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Credit cards

Credit Cards

Credit Card Connection

Arsenal Credit Union offers both fixed-rate and variable-rate Visa® credit cards.

Please view our credit card disclosure, then complete the online application.

See our helpful resources below.


Our credit cards come with the following benefits:

CU Rewards
  • Rewards points — Each time you make a purchase with your ACU credit card, you'll earn points which can be redeemed for travel, electronics, entertainment, and more. See what you can earn and track your points here.
  • Annual percentage rates (APRs) as low as 7.75% on variable-rate cards and 9.90% on fixed-rate cards
  • No minimum finance charge
  • No transaction fees for purchases
  • No cash advance fees
  • No balance transfer fees
  • No penalty rates
  • No monthly or annual fees
  • 25-day grace period
  • 24-hour account information by phone with Visa Audio Response Unit
  • 24-hour account information online through AccessPoint Internet Account Access
  • Online protection with Verified by Visa
  • Auto rental insurance
  • Warranty manager service
  • Travel and emergency assistance
  • 90-day product registration
  • Payment card protection
  • Travel reservation service

Fixed-rate Visa Platinum credit card

  • Advantage Point and share-secured options available

Variable-rate Visa Platinum credit card

  • Prime rate plus 4.50% (cap 18.90% APR)
  • Variable rate adjusts monthly

ACU Visa credit card agreement


We encourage our cardholders to sign up for and receive eStatements for their credit card rather traditional paper statements in the mail because of the greater security and quicker account access they provide, not to mention less clutter and a more environmentally friendly touch. It’s easy and quick to sign up for Visa credit card eStatements. Click here for directions.


Current Arsenal Visa credit card holders: If you lost your card or believe it has been stolen, call Visa at 1.800.449.7728.


Helpful Resources

Visa Security


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  • Equal Housing Lender
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  • Available on the Android Market

3780 Vogel Road; Arnold, MO 63010|
314.962.6363 and 1.800.719.6363|