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Arsenal Credit Union

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Arsenal Credit Union Rates & Review September 2026

Q: How many branches does Arsenal Credit Union operate?

Arsenal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join Arsenal Credit Union?

Yes, to access services at Arsenal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Is there a first-time homebuyer program?

Currently, Arsenal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Arsenal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 22, 2026

Arsenal Credit Union's Credit Card Rates are at 9.90%. MonitorBankRates evaluates the financial stability of Arsenal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 12.61%. Rates last updated and verified on 09/22/2026.

Arsenal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Arsenal Credit Union? Share your experience about Arsenal Credit Union by leaving a review below, or read customer reviews before you decide to use Arsenal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 94/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

12.61%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Arsenal Credit Union
Arnold Branch

3780 Vogel Rd
Arnold, MO 63010

https://www.arsenalcu.com

Arsenal Credit Union Checking Rates

Product	Rate	APY	View More
Premier Checking	-	4.25%
Details Earn up to 4.25% APY on balances up to $15,000. Fewer "hoops" than similar accounts elsewhere. Checking flexibility with CD-level interest. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.61%

Arsenal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Line of Credit	-	-	4.99%
Details Introductory APR for the first six months. Borrow up to 100 percent and pay no closing costs. Offer available for a limited time only. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.61%

Arsenal Credit Union Credit Card Rates

Product	Rate	APR	View More
Credit Card	-	9.90%
Details Rates start as low as 9.90% APR. Pay no fees when you transfer high-interest balances. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.61%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Arsenal Credit Union’s Texas Ratio rose from 10.69% in Q2 2023 to 12.61% in Q1 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$395M	12.61%	5.0	A
December 31, 2025	$409M	17.93%	4.8	B+
September 30, 2025	$428M	17.23%	4.8	B+
June 30, 2025	$432M	15.77%	4.9	A-
March 31, 2025	$425M	14.79%	5.0	A-
December 31, 2024	$420M	12.36%	5.0	A
September 30, 2024	$423M	12.47%	5.0	A
June 30, 2024	$414M	12.57%	5.0	A
March 31, 2024	$396M	13.09%	5.0	A
December 31, 2023	$397M	15.04%	5.0	A-
September 30, 2023	$393M	13.12%	5.0	A
June 30, 2023	$394M	10.69%	5.0	A

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Arsenal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Arsenal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Arsenal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Arsenal Credit Union

Website https://www.arsenalcu.com

Address 3780 Vogel Rd, Arnold, MO 63010

Phone 314-962-6363

Fax 636-333-8379

President Gary Dierks

CEO Richard Preble

Full-Time Employees 88

Part-Time Employees 7

Branch Locations 4

ATM Locations 1

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (94/100)

Texas Ratio

12.61%

Return on Assets (ROA)

0.1118%

Return on Equity (ROE)

1.3107%

Non-Performing Loans Ratio (NPL)

1.65%

Total Assets

395,078,634

Total Amount of Shares and Deposits

361,477,619

Total Shares and Deposits < 1 Year

353,125,002

Total Shares and Deposits 1 3 Years

6,506,478

Total Shares and Deposits > 3 Years

1,846,139

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

16,007,483

Total Uninsured Shares and Deposits > $250K (F+J)

16,007,483

Total Insured Shares and Deposits > $250K (item 17 less item K)

345,470,136

Total Interest Expense (Sum of items 6 8)

878,124

Share Certificates

1,606

Number of Accounts for Share Drafts

17,253

IRA KEOGH Accounts

485

Number of Accounts for Regular Shares

34,343

Money Market Shares

3,050

Net Income (unless the amount is already included in Undivided Earnings)

441,872

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

14,125,143

Total Liabilities

366,264,282

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Arsenal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Arsenal Credit Union

How many branches does Arsenal Credit Union operate?

Arsenal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Arsenal Credit Union?

Yes, to access services at Arsenal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Arsenal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Arsenal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Arsenal Credit Union offer online and mobile banking?

Most modern institutions like Arsenal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.arsenalcu.com.