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Search results:

    Hi! Is there something I can help you find?

    • What would you like to borrow for?
      • A home
        • Great, what are you more interested in?
          • I’d like to buy a home, or refinance my current loan.
            • Sounds great. We offer Mortgage Loans at great prices, as well as refinancing options.
          • I want to make some environmentally friendly home improvements.
            • Let’s get started making our community greener. We offer no-collateral Home Improvement loans just for that. We think you’ll love our rates.
          • I’m more interested in using the value in my home to get a loan.
            • Sounds good. Would you prefer a lump sum of cash for your loan, or more flexible spending?
              • Lump sum
                • Sounds like you are looking for a Home Equity Loan. It’s a great way to secure a lower rate, and you can use the money on any expense.
              • Flexible spending
      • A car
      • Something fun
        • What are you interested in?
          • Boat
            • Awesome! Let us help you get on the water. We offer low rates and long terms to make your Boat Loan payments affordable.
          • Personal Watercraft
          • Motorcycle or ATV
            • You’re one step closer to hitting the open road or trail. We have the right financing on Motorcycle and ATV Loans to make it happen.
          • Motorhome, Campervan or Travel Trailer
      • Something else
        • Okay. Business or personal?
          • Business
            • Sounds great! We offer a wide range of Business Loans, including loans for vehicles, equipment and real estate.
          • Personal
            • Terrific! We offer Personal Loans for any need, including weddings, vacations and debt consolidation.
      • I’m mostly interested in a credit card
    • What would you like help with?
      • Accessing my accounts
        • Okay, how would you like to access your accounts?
          • Online
            • Ok! If this is your first time using Online Banking?
              • Yes
                • Okay! To enroll, call us during normal business hours at 314.962.6363 (or 618.239.6363 for Illinois members; 1.800.719.6363 if you are outside of the St. Louis area) and press option 6, then 2.
              • No
                • Great. To access your account, simply click “Login” in the upper right hand corner of the page.
          • On my mobile device
      • Opening a checking account
        • Great! What do you care most about in a checking account?
          • Earning interest
            • Okay! Both our Advantage Plus Checking and Value Checking accounts earn interest. Advantage Plus earns higher interest than Value Checking. With Value Checking, there’s no monthly fee if you maintain an average daily balance of $500 or more.
          • Having no fees
          • Getting free checks
      • Signing up for eStatements
        • Cool! If you are already signed up for and using our online banking service, all you need to do is click on the eStatements tab within online banking and accept the disclosure that appears.
      • Getting insurance
      • Reporting a lost or stolen card
        • We’re sorry to hear that. Is this during or after business hours?
          • During
            • Please call us at 314.962.6363 or 618.239.6363, and press option 6, then 1.
          • After
            • If it’s your debit card, please call 1.888.918.774. If it’s your credit card, please call 1.866.820.3035.
      • Taking control of your debit/credit card
      • Sending money to family and friends
    • What would you like to save for?
      • An upcoming holiday or vacation
        • Sounds lovely! We have both Christmas Club and Vacation Club accounts available to our members. Check out our Savings page and scroll down for more info.
      • Retirement
      • College
        • Meet with our financial advisor to learn about the different options available for funding a college education, including the Coverdell Educational Savings Account and the 529 College Savings Plan.
      • Something else – and I’d like to earn a good interest rate
        • Do you have some money saved up already?
          • Yes, quite a bit
            • Nice! Are you okay with leaving your money untouched for a while?
              • Sure
                • Cool! We think you might like one of our CDs. You agree to leave your money untouched for a while in exchange for a higher interest rate.
              • I’d prefer to make withdrawals when I need to.
                • Sounds good. Check out our Money Market account. It’s a little more flexible, but still gets you a higher rate.
          • Not much
            • No worries. Once you open a Savings account, you can open secondary accounts for whatever you need, including college, rainy day funds and more.
      • I’d prefer just a basic savings account
        • Ok! Our Savings account sounds just right for you. It also secures your Arsenal membership.
      • I want to make saving automatic
        • We can help. Enroll in our Spend to Save program to have your debit card transactions rounded up to the nearest dollar, with the change deposited to your savings account. You can also set up a payroll deduction to have a part of your paycheck deposited directly into savings each pay period.

    Compare Checking Accounts

    "The people who work for Arsenal are always friendly and helpful. I really appreciate knowing they care about my needs."

    Portrait of a cheerful young woman holding tablet computer. Smiling girl with digital tablet outdoors, copy space, social networking concept Julie P.
    Open Now!

    Find the account that’s right for you

    Whether you’re looking for your basic everyday free account or one that will earn interest while your money sits, we have something that meets your needs.

    No matter which one of our three checking options you choose, the following features all come standard and will save you time, stress and money.

    All of the digital tools you want

    • Free mobile and online banking

    • Free online bill pay and presentment

    • Free mobile check deposit on the Arsenal app

    • Free Money Management tool that helps you keep track of your spending

    A debit card that works for you

    • Free EMV chip debit card issued instantly at one of our full-service branches

    • Free CardKey app that makes it easy to control your card

    • Rewards on signature-based transactions (redeem points you earn at CURewards.com)

    • Connect your card with Apple Pay®, Google Pay® or Samsung Pay® for contactless transactions

    Security features for your data and personal information

    •  Optional overdraft protection (line of credit or Courtesy Pay)

    •  Free CheckArmor® Fraud Protection when you purchase checks through us

    •  Free eStatements – ditch the paper.

    More ways to save money

    • Free access to more than 250 local and nearly 30,000 CO-OP Network ATMs around the country

    • Free Spend to Save program that rounds up your debit card transactions and automatically deposits the “spare change” directly into your ACU savings account

     

    Below are some differences between our checking accounts to help decide which one is best for you!

    Compare Checking Accounts

    Advantage Plus Checking Value Checking Totally Free Checking
    Monthly Fee $4.00
    No balance requirement    		 None if $500 minimum avg. daily balance requirement met; otherwise, $4.00 None
    Interest Paid Yes Yes No
    Check Orders One free package of checks a year Refer to price list Refer to price list
    Advantages Free checks, waived fees and earn higher interest. This is our top-tier account. Earn interest on your account balance. No monthly fees or minimum balance. Perfect for your everyday purchasing and bill-paying needs.

    • Monthly Fee $4.00No balance requirement

      Interest Paid Yes
      Check Orders Refer to price list
      Advantages Free unlimited reg-style checks, waived fees and earn higher interest. This is our top-tier account.

    • Monthly Fee None if $500 minimum avg. daily balance requirement met; otherwise, $4.00
      Interest Paid Yes
      Check Orders Refer to price list
      Advantages Earn interest on your account balance.

    • Monthly Fee None
      Interest Paid Check Orders
      Check Orders Refer to price list
      Advantages No monthly fees or minimum balance. Perfect for your everyday purchasing and bill-paying needs