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Business

Business Rates & Fees

Loan Rates

Contact Jennifer Wright, Business Services Manager, for more information.

Arsenal Credit Union is an SBA-participating lender.

 

Deposit Rates

Subject to change without notice. Rates as of 4/1/13.

 Product Minimum Balance
to Earn APY
Annual Percentage Yield/
Interest Rate
Compounding
Frequency
Share Savings $100 0.10% / 0.10% Quarterly
Money Market Account $2,500 - $9,999 0.15% / 0.15% Monthly
  $10,000 - $24,999 0.20% / 0.20% Monthly
  $25,000 - $49,999 0.25% / 0.25% Monthly
  $50,000 - $99,999 0.30% / 0.30% Monthly
  $100,000 and up 0.40% / 0.40% Monthly

APY = Annual Percentage Yield. Fees could reduce earnings on the account. Early withdrawal penalties may be imposed.

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Certificate of Deposit (CD) Terms & Rates

Subject to change without notice. Rates as of 3/26/13.

Term Minimum Balance
to Earn
Annual Percentage Yield/
Interest Rate
3 months
(no compounding)
$500 0.05% / 0.05%
6 months
(quarterly)
$500 0.15% / 0.15%
12 months
(quarterly)
$500 0.35% / 0.35%
18 months
(quarterly)
$500 0.45% / 0.45%
24 months
(quarterly)
$500 0.80% / 0.80%
36 months
(quarterly)
$500 1.00% / 1.00%
48 months
(quarterly)
$500 1.10% / 1.10%
60 months
(quarterly)
$500 1.40% / 1.39%
All certificates (except the 3 month) have the option of paying quarterly or monthly interest that would be transferred to another Arsenal Credit Union account. Interest checks may be paid monthly for all certificates with a $10,000 minimum balance. Selecting any of these interest options will affect the annual percentage yields quoted on this rate sheet - the annual percentage yields are calculated based on quarterly compounding of the interest.
Fees may reduce earnings on the account. A penalty rate may be imposed for early withdrawal.

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Checking Rates & Fees

  Business Checking I Business Checking II Business Checking III
Transactions per month Up to 200 Up to 500 More than 500
Per transaction fee $0.25 per transaction in excess of 200 $0.50 per transaction in excess of 500 $0.10 per transaction
Monthly fee None $20, waived with ADB in excess of $5,000 None
Minimum deposit $100 $500 $1,000
Earns dividends No On $500+ ADB On $2,500+ ADB
Annual Percentage Yield/Interest Rate N/A 0.10% / 0.10%
(monthly)
0.20% / 0.20% 
(monthly)
Minimum ADB required None $5,000 None

 APY = Annual Percentage Yield. ADB = Average Daily Balance.

 Other checking fees  
Nonsufficient funds
(includes checks, preauthorized & ACH withdrawals,
and AccessPoint Internet Bill Pay)
$25.00/each
Uncollected funds
(includes checks, preauthorized & ACH withdrawals,
and AccessPoint Internet Bill Pay)
$25.00/each
Collection item (incoming & outgoing) $25.00
Stop payment — check, AccessPoint Internet Bill Pay and ACH $25.00
Stop payment — series (2 or more checks) $50.00
Account closed by ACU $25.00
Temporary checks (set of 10) $2.00
Account-balancing assistance $20.00/hour
Copy of check or statement $1.50/each
Account activity printout $3.50

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Online Banking

Free. 

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Online Bill Pay Fees

Account type  Fees
Business Checking I $5.95 monthly fee
$0.55 per bill after first 10 bills per month
Business Checking II $5.75 monthly fee
$0.50 per bill after first 10 bills per month
Business Checking III no monthly fee
$0.40 per bill after first 10 bills per month

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Plastic Card Fees

Transaction Fee
Transaction at an Arsenal-owned ATM,
using Arsenal-issued ATM card or debit card
No charge
Transaction at an ATM not owned by Arsenal,
using Arsenal-issued ATM card or debit card
$1.00/each
Transaction at an Arsenal-owned ATM,
using ATM card or debit card not issued by Arsenal
$2.50/each
Card replacement $3.00/card
Inactive (debit only) $5.00/year
Sales draft copy $8.00/each
T&E documentation $25.00/request
Abuse/revoke $15.00

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Safe Deposit Box Fees

Size Fee
3 x 5 box rental
(n/a at North St. Louis County branch)
$15.00/year
5 x 5 box rental
(n/a at Jefferson County and
North St. Louis County branches)
$25.00/year
3 x 10 box rental $30.00/year
5 x 10 box rental $45.00/year
7 x 10 box rental
(n/a at Mid and North St. Louis County branches)
$60.00/year
10 x 10 box rental $75.00/year
Key Deposit $10.00

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Wire Transfer Fees

Domestic wire transfer (outgoing) Fee 
Federal Reserve $25.00/each
Western Union $17.00/each
International wire transfer (outgoing) Fee 
Federal Reserve $30.00/each
Western Union Fee depends on dollar amount to be transferred (see below)
$1.00-$500 $25.00/each
$501-$1,000 $30.00/each
$1,001-$2,000 $35.00/each
$2,001-$5,000 $40.00/each
$5,001-$10,000 $50.00/each

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Miscellaneous Fees

Product or service  Fees
Locked key bag $15/each
Notary service Free

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3780 Vogel Road; Arnold, MO 63010|
314.962.6363 and 1.800.719.6363|
arsenalcu@arsenalcu.org