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Home Loan Products

Home Loan Products

Member Home Loan



We offer flexible rates and terms on our home loan products, which include mortgages as well as home equity loans and lines of credit. Look through our helpful resources for home buying tips, or calculate your loan payments.

Our fast, professional mortgage team will guide you through this important process with the superior service you've come to expect from your credit union. Click here for a current list of Mortgage Loan Originators at Arsenal Credit Union who are registered with NMLS.


Apply for a:

Update your insurance information for your ACU loan.


 First mortgages (fixed, adjustable, or balloon rate)

  • Choose from a range of short- and long-term fixed-rate mortgages.
  • An adjustable-rate mortgage (ARM) may have a lower up-front interest rate than a fixed-rate mortgage. (Rate caps vary by plan.)
  • Balloon mortgages offer low monthly payments at a fixed rate for seven years. With the final balloon payment of principal and interest, you can choose to pay off the loan or refinance it.
  • Rates change daily. Call 314.962.6363 and say or press 4 for our current rates and terms.


The Best Kept Secret



 Home equity loans (fixed rate)

  • Borrow 60%, 80%, or 100% of your home's equity.
  • At 60%, borrow a minimum of $20,000.

Homeline home equity line-of-credit (variable rate)

  • Borrow up to 80% ($10,000 - $150,000) at the prime rate
  • Borrow up to 100% ($5,000 - $100,000) at the prime rate + 1.0% APR*

*APR = Annual Percentage Rate. May adjust monthly. Adjustment cap 2%, floor 6%, lifetime cap 20%.
**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.

What's home equity?

The "equity" you have in your house is the difference between what you still owe on your house (your mortgage balance) and what your house is worth on the market now (the appraised value).

You can borrow against your equity to consolidate bills, fix up your home, finance college tuition, even purchase a new car. Interest on home equity loans is often tax deductible, too. Check with your tax advisor for details.

If you choose a home equity line of credit, you can draw on it as you need it. For example, if your credit line is $22,000, you might decide to initially use $5,000 to pay off all your credit card debts. A year or two later, you may want to remodel your kitchen or basement and get a $10,000 advance from your credit line to make it a reality. Tap into your line of credit anytime without reapplying with special checks from the credit union. As you pay off your credit line, the money becomes available for you to borrow again.

Please read our home equity disclosure.

What you should know about home equity lines of credit


Helpful Resources

Mortgage definitions

Mortgage types and terms

Getting started


Financial calculators

Getting control of your debt

Find more useful articles and multimedia on our online financial education hub.


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