3780 Vogel Rd
Arnold, MO 63010
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.10% 0.66% →
1-Year CD 0.45% 0.71% →
2-Year CD 0.65% 0.81% →
5-Year CD 1.10% 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Credit Union Information

Arsenal is an NCUA insured institution located in Arnold, MO. It was founded in 1948 and has approximately $303.88 millions in assets.

Who can join?

You qualify for membership if you work or reside in any of the following areas:


Jefferson County
St. Louis County
St. Louis City
Franklin County (limited to ZIP codes 63039, 63055, 63068, 63069, 63077, 63084, 63089, 63090)
Jasper County (limited to ZIP code 64801)
Miller County (limited to ZIP code 65026)
Camden County (limited to ZIP codes 65049 and 65065)
Morgan County (limited to ZIP code 65072)


Madison County
Monroe County
Randolph County
St. Clair County

You may also qualify if you are an employee of any of the following companies* or other groups we serve:

Alberici Constructors
Atlantic Express of Missouri
(The) Booksource/San Val, Inc.
Bunge North America
Dave Sinclair Ford, Inc./Dave Sinclair Auto Group
Department of Veterans Affairs (Veterans Administration)
Four Seasons Group Inc./Lodge of the Four Seasons
Hydromat/Turmatic Systems, Inc.
Kenworth of St. Louis, Inc./Kenworth Trucking Company
Lake Ozarks Hotels & Motels - various
National Geospatial-Intelligence Agency
Seiler Instrument & Manufacturing Company, Inc.
St. Louis Pre-Sort, Inc.
Weber Chevrolet

Members of the following trade unions can also join:

BCTGM Union Local No. 4
Iron Workers Local #396 AFL-CIO


Any Department of Defense organization in St. Louis area where no organized credit union exists:
Coast Guard personnel in the St. Louis area
National Guard personnel in the St. Louis area
Retired employees of the Department of Defense and Department of Veterans Affairs residing in the St. Louis area
Federal employees
Independent Electrical Contractors (IEC), Inc.
Organization accounts
Postal service
Real-estate agents, appraisers, associations, brokers and companies (in Missouri and Illinois only)

NCUA Insured Yes / State-Chartered
Charter Number # # 67195
Date Established 1948
Assets $303.88 million
Loans $194.01 million
Deposits $269.62 million
Capital $28.38 million

Field of Membership Restrictions

Arsenal CU is open to anyone who holds residence or works in any of the site listed counties or zip codes for the states of Illinois and Missouri, if you are an employee at any of the site listed CU-affiliated companies or if you are a member at any of the site listed CU-affiliated organizations.

Deposit Rates - March 3, 2021

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.10% $2,500 $4,999 Learn More
Money Market
0.10% $2,500 $2,999 Learn More
Money Market
0.25% $10,000 $14,999 Learn More
Money Market
0.30% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.20% $10,000 $14,999 Learn More
6 Mo CD
0.20% $100,000 $199,999 Learn More
12 Mo CD
0.45% $10,000 $14,999 Learn More
12 Mo CD
0.45% $100,000 $199,999 Learn More
18 Mo CD
0.55% $10,000 $14,999 Learn More
18 Mo CD
0.55% $100,000 $199,999 Learn More
24 Mo CD
0.65% $10,000 $14,999 Learn More
24 Mo CD
0.65% $100,000 $199,999 Learn More
36 Mo CD
0.75% $10,000 $14,999 Learn More
36 Mo CD
0.75% $100,000 $199,999 Learn More
48 Mo CD
1.00% $10,000 $14,999 Learn More
48 Mo CD
1.00% $100,000 $199,999 Learn More
60 Mo CD
1.10% $10,000 $14,999 Learn More
60 Mo CD
1.10% $100,000 $199,999 Learn More
Variable IRA Rates APY MIN MAX
0.15% $1 $499 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.08% $1 $99 Learn MoreShow Less
Int Ckg
0.08% $2,500 $3,499 Learn MoreShow Less

Loan Rates - March 3, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for ARSENAL

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: 13256
2.924% 2.875% 0.63 $1,562 $1,038 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info

To upload and update your bank's rates please register. It is free to register and add rates.



Below are Arsenal branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

Arsenal Locations

Financial Details

Arsenal Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Arsenal. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Arsenal U.S. Average
7.03% 4.42

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of September 30, 2020, Arsenal had $2,090,963 in non-current loans and $49,346 in owned assets. To cover these potential losses it had $28,377,117 in net worth and $2,076,721 in loans loss reserves. That gives it a Texas Ratio of 7.03%.

Net Worth
Arsenal U.S. Average
9.33% 12.91%

Arsenal FCU has a net worth of 9.33% versus the BestCashCow average of 12.91. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Arsenal

Branches and Savings

What is Arsenal?

A credit union, registered with the NCUA under certificate #67195.
Learn more about credit unions here.

Is Arsenal FDIC insured?

No, credit unions are not insured by the FDIC. Most, but not all, are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance. Arsenal is insured by the NCUA.

Who can join Arsenal?

Please see Field of Membership information above for information on who is eligible to join.

What are Arsenal's share account and share certificate rates?

Arsenal's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Arsenal?

Arsenal has total capital of $28.38 million. Full information on Arsenal's financial position is located above.

Who owns Arsenal?

Credit Unions are owned by their members.

Where are Arsenal branches located?

See branch locations nearby.

Are Arsenal ATMs Open 24/7?

Do Arsenal ATMs accept cash deposits?

Can Arsenal customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Arsenal have a mobile app?

Does Arsenal have mobile deposit?

Does Arsenal have quick pay?

How can Arsenal transfer money to other banks or credit unions?

Does Arsenal report to credit bureaus?

Does Arsenal use Chexsystems?

Does Arsenal use Equifax?

What is Arsenal's toll free phone number?

What is Arsenal's ACH Routing Number?

What is Arsenal's SWIFT code?

Where can I find Arsenal's wire transfer form?

What is the Arsenal address for deposits?

What Products Does Arsenal Offer

Does Arsenal offer mortgages?

Compare mortgage rates here.

Does Arsenal offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Arsenal offer auto and RV loans?

Compare auto loan rates here.

Does Arsenal offer student loans or personal loans?

Compare personal loan rates here.

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