Arsenal Credit Union

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 is $25,000.

HOME EQUITY LOANS - Variable Rate - 80% and 100% - Fixed Rate - 60%, 80% and 95% - 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, county, and adjacent counties (St. Charles, Jefferson, Franklin) and IL counties of St. Clair, Madison, and Monroe
Variable-Rate HomeLine (Home Equity Line of Credit) - 80% Equity
Variable-Rate HomeLine (Home Equity Line of Credit) - 100% Equity
Fixed-Rate 60% Home Equity
Fixed-Rate 80% Home Equity
Fixed-Rate 95% Home Equity
HOME IMPROVEMENT LOANS - Unsecured
95% Home Improvement Loan
FIRST MORTGAGES - Fixed Rate (10-, 15-, 20-, 25-, and 30-year) - Balloon (7-year) - Adjustable Rate (1-, 3-, 5-, and 7-year)
Rates Change Daily. For current rates/terms, call our Real Estate department at 314.962.6363, and say or press 4.

Try our free home value estimator and other mortgage calculators:
Monthly Payments/Amortization Schedule
Mortgage Qualifier
15-Year vs. 30-Year Mortgage
ARM vs. Fixed-Rate Mortgage
Mortgage Points
Refinance Breakeven
Refinance Interest Savings
Mortgage Payoff

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 $25,000.

Deposit Rates & Terms Rates Subject To Change Without Notice. Rates as of .
PRODUCT	MINIMUM BALANCE TO EARN APY	ANNUAL PERCENTAGE YIELD	INTEREST RATE	COMPOUNDING FREQUENCY
Share Savings
Special Savings
Tracker Kids Club
Christmas Club
Vacation Club
Arsenal Advantage
Arsenal Advantage Plus
Checking II As of 4/10/01, no longer offered
Checking Plus As of 4/10/01, no longer offered
IRA Accumulation Account
Money Market Account

See how we compare on CD rates.

CD Rates Rates Subject To Change Without Notice. Rates as of .
TERM	MINIMUM BALANCE TO EARN	ANNUAL PERCENTAGE YIELD	INTEREST RATE	WITH CHECKING PLUS OR IRA CD - APY	WITH CHECKING PLUS OR IRA CD - RATE
3 month None
6 month Quarterly
9 month Quarterly
12 month Quarterly
18 month Quarterly
24 month Quarterly
36 month Quarterly
48 month Quarterly
60 month Quarterly

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.
The minimum balance requirement is $100 for Advantage Point Club members (age 13-18) to earn the stated APY (applies to 3-, 6-, and 12-month CDs).

Checking Account Fees
Overdraft transfer (from savings account)
Nonsufficient funds (includes checks, preauthorized & ACH withdrawals, & AccessPoint Internet Bill-Pay)
Uncollected funds (includes checks, preauthorized & ACH withdrawals, & AccessPoint Internet Bill-Pay)
Overdraft (each debit or check paid that creates a negative balance)
Collection item (incoming & outgoing)
Stop Payment - Check, AccessPoint Internet Bill Pay, & ACH
Stop Payment - Series (2 or more checks)
Account Closed by ACU
Below minimum average daily balance fee (Checking II accounts only; no longer offered)
Below minimum average daily balance fee (Arsenal Advantage accounts only)
Checking Plus service fee (account no longer offered)
Arsenal Advantage Plus service fee *Prime Advantage Club Members
Temporary checks (set of 10)
Account-balancing assistance

Money Orders & Other Checks
Money Orders
Cashier's Checks
Agent Checks
Visa TravelMoney card

Plastic Card Fees
Transaction at an Arsenal-owned ATM or CO-OP Network machine using ATM card issued by Arsenal Credit Union
Transaction using ATM card from Arsenal at an ATM not owned by Arsenal and not in the CO-OP Network (withdrawals, transfers & inquiries)
Transaction at an ACU-owned ATM by member not using an ATM card from Arsenal or a credit union in the CO-OP Network
Card Replacement
Inactive (debit only)
Sales draft copy
T&E documentation
Abuse/revoke
Trans. fee for credit card purchases/cash advances
Annual fee for Visa credit credit
Late-payment/over-limit fees on unsecured Visa
Late-payment on secured Visa credit card If minimum periodic payment (MPP) is $25 or less If MPP is more than $25


Statement Copy

Safe Deposit Box Fees (only available at Arnold and Watson locations)
3 x 5 box rental
5 x 5 box rental (n/a at Arnold Branch)
3 x 10 box rental
5 x 10 box rental
7 x 10 box rental (n/a at Watson Branch)
10 x 10 box rental
Key Deposit

Wire Transfer Fees
Domestic wire transfers (outgoing)
Federal Reserve
Western Union
International wire transfers (outgoing)
Federal Reserve
Western Union (fee depends on dollar amount to be transferred)
$1.00-$500
$501-$1,000
$1,001-$2,000
$2,001-$5,000
$5,001-$10,000

Miscellaneous Fees
ActionLine transactions (transfer money between accounts, request withdrawals, make loan payments, etc., through Arsenal's 24-hour audio response system)
Inquiry or account transfer by phone (not through ActionLine)
AccessPoint Internet transactions (transfer money between accounts, request withdrawals, make loan payments, etc., through your computer & the Internet)
AccessPoint Internet Bill-Paying Service
Set-up fee for Internet Bill-Paying Service
Notary service (members)
Notary service (non-members)
Copy of check or statement
Account activity printout
Early withdrawal on Christmas Club or Vacation Club account
Excessive withdrawal from savings account (over-the-counter, in excess of 3 per month)
Account closed within 90 days of opening
Inactive account (no activity for 9 months or more and no other accounts at ACU)
Undeliverable statement
Deposit items returned unpaid
Locator fee
Garnishment & levies
Redemption of coupon bonds
IRA rollover/transfer fee (to another financial institution)
Research/document retrieval