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 $30,000.
Variable-Rate HomeLine
(Home Equity Line of Credit) - 80% Equity |
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| Variable-Rate HomeLine (Home Equity Line of Credit) - 100% Equity |
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| Fixed-Rate 60% Home Equity |
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| Fixed-Rate 80% Home Equity |
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| Fixed-Rate 100% Home Equity |
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FIRST MORTGAGES
- Fixed Rate
(short and long term)
- Balloon )
- Adjustable Rate |
| Rates Change Daily. For current rates/terms, call our Real Estate department at 314.962.6363, and say or press 4. |
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Monthly loan payment examples per $10,000 borrowed
| Loan type | APR | Term | Payment |
| Home equity (fixed, 60%) | 4.75% | 60 mths | $187.57 |
| Home equity (fixed, 80%) | 5.50% | 120 mths | $108.53 |
| Home equity (fixed, 100%) | 6.50% | 180 mths | $87.11 |
To estimate how much your loan payments will be, use our
online loan calculator.
| Share Savings |
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| Special Savings |
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| Tracker Kids Club |
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| Christmas Club* |
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| Vacation Club* |
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| Value Checking |
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| Advantage Plus Checking |
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| Business Checking II |
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| Business Checking III |
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| IRA Accumulation Account |
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| Money Market Account |
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Fees could reduce earnings on the account.
Early withdrawal penalties may be imposed.
3 month
None |
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6 month
Quarterly |
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9 month
Quarterly |
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12 month
Quarterly |
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18 month
Quarterly |
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24 month
Quarterly |
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30 month
Quarterly |
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36 month
Quarterly |
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48 month
Quarterly |
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60 month
Quarterly |
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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).
Fees may reduce earnings on the account. A penalty rate may be imposed for early withdrawal.
| Overdraft transfer (from savings account) |
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| Nonsufficient funds (includes checks, preauthorized & ACH withdrawals, & AccessPoint Internet Bill-Pay) |
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| Uncollected funds (includes checks, preauthorized & ACH withdrawals, & AccessPoint Internet Bill-Pay) |
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| Overdraft (each debit or check paid that creates a negative balance) |
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| Collection item (incoming & outgoing) |
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| Stop Payment - Check, AccessPoint Internet Bill Pay, & ACH |
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| Stop Payment - Series (2 or more checks) |
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| Account Closed by ACU |
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| Below minimum average daily balance fee (Value Checking accounts only) |
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Advantage Plus service fee
*Prime Advantage Club Members |
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| Temporary checks (set of 10) |
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| Account-balancing assistance |
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| Money Orders |
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| Cashier's Checks |
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| Agent Checks |
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| MasterCard® Cash Passport |
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| Transaction at an Arsenal-owned ATM or CO-OP Network machine using ATM card issued by Arsenal Credit Union |
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| Transaction using ATM card from Arsenal at an ATM not owned by Arsenal and not in the CO-OP Network
(withdrawals, transfers & inquiries) |
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| Transaction at an ACU-owned ATM by member not using an ATM card from Arsenal or a credit union in the
CO-OP Network |
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| Card Replacement |
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| Inactive (debit only) |
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| Sales draft copy |
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| T&E documentation |
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| Abuse/revoke |
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| Trans. fee for credit card purchases/cash advances |
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| Annual fee for Visa credit credit |
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| Late-payment fee on unsecured Visa |
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Late-payment on secured Visa credit card
If minimum periodic payment (MPP) is $25 or
less
If MPP is more than $25 |
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| Statement Copy |
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| 3 x 5 box rental (n/a at North St. Louis County branch) |
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| 5 x 5 box rental (n/a at Jefferson County and North St. Louis County branches) |
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| 3 x 10 box rental |
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| 5 x 10 box rental |
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| 7 x 10 box rental (n/a at Mid and North St. Louis County branches) |
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| 10 x 10 box rental |
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| Key Deposit |
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| Domestic wire transfers (outgoing) |
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| Federal Reserve |
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| Western Union |
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| International wire transfers (outgoing) |
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| Federal Reserve |
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| Western Union (fee depends on dollar amount to be transferred) |
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| $1.00-$500 |
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$501-$1,000 |
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| $1,001-$2,000 |
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$2,001-$5,000 |
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| $5,001-$10,000 |
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| ActionLine transactions (transfer money between accounts, request withdrawals, make loan payments, etc.,
through Arsenal's 24-hour audio response system) |
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| Inquiry or account transfer by phone (not through ActionLine) |
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| AccessPoint Internet transactions (transfer money between accounts, request withdrawals, make loan payments,
etc., through your computer & the Internet) |
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| AccessPoint Internet Bill-Paying Service |
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| Set-up fee for Internet Bill-Paying Service |
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| External Funds Transfer – online banking – standard |
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| $ 1-$ 2,000 |
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| $ 2,001-$ 5,000 |
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| $ 5,001-$ 10,000 |
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| $10,000-$15,000 |
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| External Funds Transfer expedited – next day |
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| Person to Person (POP Money) Transfer |
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| Person to Person (POP Money) Transfer expedited – next day |
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| Notary service (members) |
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| Notary service (non-members) |
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| Copy of check or statement |
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| Account activity printout |
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| Early withdrawal on Christmas Club or Vacation Club account |
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| Excessive withdrawal from savings account (over-the-counter, in excess of 3 per month) |
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| Account closed within one year of opening |
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| Inactive account (no activity for 9 months or more and no other accounts at ACU) |
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| Safekeeping fee for undeliverable statements |
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| Deposit items returned unpaid |
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| Locator fee |
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| Garnishment & levies |
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| Redemption of coupon bonds |
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| IRA rollover/transfer fee (to another financial institution) |
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| Research/document retrieval |
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