Loans > Auto

You can get an auto loan anywhere. We’re not just anywhere.

Rates on new and used auto loans starting at 5.25% APR*

Great rates. Flexible repayment terms. Personalized service. Every auto lender claims they offer
these things. What makes getting an auto loan at Arsenal different? It’s simple. We’re in the business
of saving you time and money.

Apply for your auto loan online

Save time

Apply online, through Live Video Banking or at a branch and you’ll get a quick decision on your loan. You can even get on-the-spot Arsenal financing at most dealers in the St. Louis area.

Save money

You’ll be able to figure out exactly what add-ons, extras and insurances you need without any of the pressure. You’ll get a custom rate and your preferred repayment terms (up to 84 months).

It's the extras that count

Unique perks that make your auto loan at Arsenal simply the best. Your Arsenal Member Advocate will help you understand these benefits and extras so you get exactly what you need.

Roll related costs into your loan

Unique perks that make your auto loan at Arsenal simply the best. Your Arsenal Member Advocate will help you understand these benefits and extras so you get exactly what you need.

No hidden fees

You pay no application fees. There are also no pre-payment penalties.

Make easy online payments

Pay your loan easily in online or mobile banking — with an Arsenal account or an outside account/debit card.

Extra security

Explore add-on options like GAP Plus, Debt Protection with Life Plus, Vehicle Service Contracts and auto insurance.

Take a break

Postpone an auto loan payment once every 6 months, up to five times total, with no penalties or dings to your credit score. Set up your "Skip-A-Pay" directly in online + mobile banking.

Take control of your car-buying journey by getting preapproved

Auto dealers don’t want you to know the trick to saving time and money when buying a car. We’re going to let you in on the secret: Get preapproved!

Apply online or at a branch

Begin your application online, start a video chat with an Arsenal rep or visit one of our branches.

Get pre-approved

After you apply, we’ll give you a quick decision on your loan, plus your rate and repayment terms.

Find your vehicle

If you already have something picked out, head to the dealer. If you don’t know what you want, having your auto loan preapproval will let the salesperson know you’re serious about buying and give you more leverage when negotiating a price.

Complete the documents

Once you’re ready to make a purchase, the dealer will send us the purchase agreement. You’ll be able to electronically sign your loan documents, and the dealer will get the funds for the vehicle.

Drive off the lot

Freedom! Enjoy your new vehicle.

No credit history? No problem.

Our first-time borrower program is an excellent way to get a car and establish credit. Borrow up to $12,000 at a low rate of 11.50% APR. Get up to 60 months to pay off your loan.

No down payment required. Finance up to 100 percent of your vehicle’s value.

Apply for your auto loan online

Estimate your savings

See what your potential monthly payment rate will be based on the type of loan you need for the age of the car you want to finance. Use the table below for our most current rates.

Apply online

Loan Calculator
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Format: 12m, 36m, 3y, 7y

Total Savings

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Excellent rates that beat industry averages

Vehicle Loan Rates
Home Loan Rates
Credit Card Rates
Deposit Rates

APR*

Term

5.25% APR-20.00% APR

0-36 months

5.25% APR-21.00% APR

37-48 months

7.00% APR-22.00% APR

49-63 months

7.00% APR-23.00% APR

64-72 months

7.00% APR-15.50% APR

73-84 months

New auto loan (current and last model year, never been titled) – Up to 125% of purchase price financed (including taxes, dealer handling charges, warranty and insurance) based on creditworthiness.

*APR = Annual Percentage Rate, subject to change and based on creditworthiness. Rates as of 4.1.2024.

APR*

Term

5.75% APR-20.00% APR

0-36 months

5.75% APR-21.00% APR

37-48 months

7.50% APR-22.00% APR

49-63 months

7.50% APR-23.00% APR

64-72 months

7.50% APR-15.50% APR

73-84 months

Previously titled – Up to 125% of current NADA retail value financed (including taxes, dealer handling charges, warranty and insurance) based on creditworthiness.

*APR = Annual Percentage Rate, subject to change and based on creditworthiness. Rates as of 4.1.2024.

APR*

Term

7.25% APR-23.50% APR

0-36 months

8.25% APR-24.50% APR

37-48 months

9.75% APR-25.50% APR

49-63 months

Previously titled – Up to 95% of current NADA retail value financed (including taxes, dealer handling charges, warranty and insurance) based on creditworthiness.

*APR = Annual Percentage Rate, subject to change and based on creditworthiness. Rates as of 4.1.2024.

APR*

Term

10.00% APR-19.00% APR

0-60 months

10.50% APR-20.00% APR

61-120 months

11.00% APR-21.00% APR

121-144 months

11.50% APR-22.00% APR

145-180 months

New Boats (certificate of origin) – Up to 100% of MSRP financed (plus tax, title and license)

*APR = Annual Percentage Rate, subject to change and based on creditworthiness. Rates as of 4.1.2024.

APR*

Term

10.00% APR-19.00% APR

0-60 months

10.50% APR-20.00% APR

61-120 months

11.00% APR-21.00% APR

121-144 months

11.50% APR-22.00% APR

145-180 months

Used Boats – Up to 90% of NADA retail value financed

*APR = Annual Percentage Rate, subject to change and based on creditworthiness. Rates as of 4.1.2024.

APR*

Term

7.50% APR-23.75% APR

0-36 months

8.00% APR-11.50% APR

37-60 months

9.75% APR-13.75% APR

61-84 months

New Motorcycles and Personal Watercraft – (current model year and up to two previous model years with no previous title)

*APR = Annual Percentage Rate, subject to change and based on creditworthiness. Rates as of 4.1.2024.

APR*

Term

7.50% APR-23.75% APR

0-36 months

8.00% APR-11.50% APR

37-60 months

9.75% APR-13.75% APR

61-84 months

Used Motorcycles/Pers. Watercraft (model previously titled and no more than six years old, includes current year) – Up to 115% of NADA retail value financed (plus tax, title, and license)

*APR = Annual Percentage Rate, subject to change and based on creditworthiness. Rates as of 4.1.2024.

APR*

Term

12.00% APR-25.25% APR

0-84 months

12.50% APR-25.50% APR

85-120 months

13.50% APR-25.75% APR

121-144 months

17.75% APR-26.00% APR

145-180 months

New Motorhomes, Campervans, Travel Trailers and Campers – Up to 115% of MSRP financed (plus tax, title and license)

*APR = Annual Percentage Rate, subject to change and based on creditworthiness. Rates as of 4.1.2024.

APR*

Term

12.00% APR-25.25% APR

0-84 months

12.50% APR-25.50% APR

85-120 months

13.50% APR-25.75% APR

121-144 months

17.75% APR-26.00% APR

145-180 months

Used Motorhomes, Campervans, Travel Trailers and Campers – Up to 115% of NADA used wholesale value financed (plus tax, title and license)

*APR = Annual Percentage Rate, subject to change and based on creditworthiness. Rates as of 4.1.2024.

Loan Type

APR*

Term

Payment

New car: 2022-2024

7.75%

72 months

$17.41

Used car: 2022-2023

6.75%

48 months

$23.83

Used car: 2019-2021

8.25%

84 months

$15.71

Used car: 2014-2018

8.75%

72 months

$17.90

Older-model auto

8.25%

48 months

$24.53

New or used boat

10.50%

120 months

$13.49

New motorcycle

9.75%

72 months

$18.40

Used motorcycle

7.50%

36 months

$31.11

New or used RV

12.50%

120 months

$14.64

Personal

10.49%

18 months

$60.28

Monthly loan payment examples per $1,000 borrowed

Use our free calculator to estimate your monthly payments and check out other financial calculators we provide at no cost.

*APR=Annual Percentage Rate. Subject to change and based on creditworthiness. Rates as of 4.1.2024.

All ACU loans are simple-interest loans calculated on the declining balance and have no prepayment penalties.
Aggregate total for unsecured debt is $50,000.

Loan Type

APR*

Term

Fixed-Rate 60% Home Equity Loan

5.50% Rate 5.50% APR $20,000 min., $150,000 max.

60% equity Up to 60 months 5-year amortization no escrow

Fixed-Rate 80% Home Equity Loan

6.25%-7.75% Rate 6.25%-7.75% APR $5,000 min., $150,000 max

80% equity 60-180 month repayment terms

Fixed-Rate 100% Home Equity Loan

6.75-8.25% Rate 6.75-8.25% APR $5,000 min., $150,000 max.

100% equity 60-180 month repayment terms

APR = Annual Percentage Rate, subject to change and based on creditworthiness. Rates as of 4.1.2024.
– Equity is the difference between what you still owe on your house (mortgage balance) and what your house is worth on the market now (appraised value).
– MO property located in St. Louis City, St. Louis County, Jefferson County, Franklin County, Washington County, St. Francois County and Ste. Genevieve County, as well as St. Charles County. IL property located in St. Clair County, Madison County, Monroe County and Randolph County.

To calculate how much you can borrow, take your home’s current value and multiply it by 60%, 80% or 100%. Take that figure and subtract how much you still owe on your current mortgage. The result is your available equity.

For example: If your home is worth $100,000, then $80,000 will be 80% of it. Next, if your current mortgage balance is $50,000, you will subtract it from $80,000. The maximum amount you can borrow for 80% is $30,000.

Loan Type

APR*

Term

Variable-Rate HELOC (Home Equity Line of Credit) - 80% Equity

Prime

120 months 240-month amortization adjustment cap: 2%; floor rate: 4.50%; life cap: 20%

Variable-Rate HELOC (Home Equity Line of Credit) - 100% Equity

Prime + 1.0%

120 months 240-month amortization adjustment cap: 2%; floor rate: 6%; life cap: 20%

APR = Annual Percentage Rate, subject to change and based on creditworthiness. Rates as of 4.1.2024.

– Equity is the difference between what you still owe on your house (mortgage balance) and what your house is worth on the market now (appraised value).
– MO property located in St. Louis City, St. Louis County, Jefferson County, Franklin County, Washington County, St. Francois County and Ste. Genevieve County, as well as St. Charles County. IL property located in St. Clair County, Madison County, Monroe County and Randolph County.

To calculate how much you can borrow, take your home’s current value and multiply it by 60%, 80% or 100%. Take that figure and subtract how much you still owe on your current mortgage. The result is your available equity.

For example: If your home is worth $100,000, then $80,000 will be 80% of it. Next, if your current mortgage balance is $50,000, you will subtract it from $80,000. The maximum amount you can borrow for 80% is $30,000.

Loan Type

APR*

Term

For current rates on mortgages, please visit contact us at mortgages@arsenalcu.com. Or, call Jon DeBold at 636.575.0678. Visit our mortgage application site to start your application online.

Loan Type

APR*

Term

Payment

Home equity (fixed, 60%)

5.00%

60 mths

$188.71

Home equity (fixed, 80%)

5.65%

120 mths

$109.27

Home equity (fixed, 100%)

5.85%

180 mths

$83.58

APR = Annual Percentage Rate, subject to change and based on creditworthiness. Rates as of 4.1.2024.
Monthly loan payment examples per $10,000 borrowed.
APR=Annual Percentage Rate
All ACU loans are simple interest loans calculated on the declining balance and have no prepayment penalties.
*Aggregate total for unsecured debt $50,000.
**ACU may pay closing costs for home equity loans or lines of credit. Borrower is responsible for obtaining and paying for comprehensive insurance to cover the value of the real estate. If the borrower repays the loan within the first 12 months, the borrower must reimburse the credit union for the closing costs.

Card Type

Limit

APR*

Fixed-rate Visa Platinum

$300 - $30,000 credit limit

9.90% APR-17.90% APR

Variable-rate Visa Platinum

Max $5,000 credit limit

Prime + 4.50% with a cap of 18.90% (may adjust monthly)

No annual or monthly fees; no minimum finance charge; no cash advance fees; no balance transfer fees; no penalty rate; 25-day grace period.

*APR = Annual Percentage Rate, subject to change and based on creditworthiness. Rates as of 4.1.2024.

Term

Minimum Balance to Earn

APY* / Interest Rate

With IRA CD - APY / Rate

3-month Monthly

$500

2.75% / 2.722%

2.75% / 2.722%

6-month Quarterly

$500

4.00% / 3.941%

4.00% / 3.941%

12-month Quarterly

$500

4.35% / 4.281%

4.35% / 4.281%

15-month Quarterly***

$10,000

5.15% / 5.053%

5.15% / 5.053%

18-month Quarterly

$500

4.55% / 4.474%

4.55% / 4.474%

24-month Quarterly

$500

3.50% / 3.455%

3.50% / 3.455%

36-month Quarterly

$500

3.55% / 3.504%

3.55% / 3.504%

48-month Quarterly

$500

3.60% / 3.552%

3.60% / 3.552%

60-month Quarterly

$500

3.65% / 3.601%

3.65% / 3.601%

*APY=Annual Percentage Yield. Rates Subject To Change Without Notice. Rates as of 4.1.2024.

**Money Mover CD $25,000 minimum balance, new funds only. No rate bump allowed.  Subject to change without notice.

Bonus rate of .25% may be applied to any certificate except 15-month opened with new funds of $2,500 or more not currently on deposit at Arsenal Credit Union

All certificates 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.
The minimum balance requirement is $100 for members age 18 and under to earn the stated APY.
Fees may reduce earnings on the account. A penalty rate may be imposed for early withdrawal.

Product

Minimum Balance to Earn APY*

APY / Dividend Rate / Interest Rate

Compounding Frequency

Money Market Account

$2,500 - $9,999

2.00% / 1.982%

Monthly

$10,000 - $24,999

2.50% / 2.469%

Monthly

$25,000 - $49,999

3.00% / 2.956%

Monthly

$50,000 - $99,999

3.25% / 3.203%

Monthly

$100,000 and over

3.50% / 3.445%

Monthly

Regular Savings

$100

0.15% / 0.15%

Monthly (Dividend)

Special Saving

$0

0.15% / 0.15%

Monthly (Dividend)

Tracker Kids Club

$0

0.15% / 0.15%

Monthly

Christmas Club

$0

0.15% / 0.15%

Monthly

Vacation Club

$0

0.15% / 0.15%

Monthly

Value Checking

$0

0.05% / 0.05%

Monthly

Advantage Plus Checking

$0

0.08% / 0.08%

Monthly

Business Checking II

$500

0.05% / 0.05%

Monthly

Business Checking III

$2,500

0.08% / 0.08%

Monthly

IRA Savings Account***

$0

0.20% / 0.20%

Monthly

DEPOSIT RATES AND TERMS
*APY=Annual Percentage Yield. Rates Subject To Change Without Notice. Rates as of 4.1.2024.

Bonus rate of .25% may be applied to any certificate except 15-month opened with new funds of $2,500 or more not currently on deposit at Arsenal Credit Union

All certificates 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.

The minimum balance requirement is $100 for members age 18 and under to earn the stated APY.

**On IRA savings accounts, fees could reduce earnings on the account and early withdrawal penalties may be imposed.

***To qualify for highest rate noted, deposits made to Money Mover CD must be new funds from an account outside of Arsenal Credit Union.

What are people saying?

“Great rate, a quick car loan approval and I was out the door in less than 15 minutes!”

Christie O.
Member

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Apply online

Credit union membership and qualifications are required. Loan terms and conditions depend on credit qualifications and approval. See if you’re eligible to join the credit union here. For assistance opening accounts, applying for loans and other general inquiries, start a live chat during normal business hours.