Credit union · NCUA insured
Arsenal Credit Union
Top CarrotA $395.1M credit union headquartered in Arnold, MO, with 29,837 members and 4 branches in 2 states. Best rates: CDs 2.25% APY.
Arsenal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 80% of U.S. banks and credit unions
#18 of 79 in St. Louis, MO-IL metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Arsenal Credit Union
Founded in 1948 to serve National Geospatial-Intelligence Agency employees and their family members, Arsenal Credit Union is headquartered in Arnold, Missouri.
The credit union operates four branch locations across the St. Louis area, serving communities in Missouri and Illinois.
- Headquarters
- 3780 Vogel Rd, Arnold, MO 63010
- NCUA charter
- 67195
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to individuals who live or work, or small businesses located, in served counties and select ZIP codes in Missouri and Illinois.
Employers and groups
- Membership is open to members of select local labor organizations (BCTGM Local 4, CWA 4217, Iron Workers Local 396, SEIU Healthcare Illinois, UFCW Local 534).
- Membership is open to individuals involved in the local real-estate industry (agents, appraisers, brokers, real-estate company employees in MO/IL, and real-estate association members).
Military, government and schools
- Membership is open to retired employees of the Department of Defense and Department of Veterans Affairs residing in the St. Louis area.
- Membership is open to federal government workers, postal employees, and individuals working for the Coast Guard or National Guard in the St. Louis area.
- Membership is open to employees of the National Geospatial-Intelligence Agency (NGA), the local VA, or contractor companies of either.
2 more ways to join
Military, government and schools
- All VA beneficiaries are eligible to open an account when setting up direct deposit through the Veterans Benefits Banking Program.
Family and household
- Membership is open to family members (parent, grandparent, sibling, child, grandchild, spouse, aunt, uncle, niece, nephew, first cousin, or legal guardian, including steps, in-laws, and adoptive relationships) of individuals eligible based on where they live or work.
Cost to join
- A $5.00 minimum deposit in a savings account is required to establish membership.
Branches
4 branches in 2 states
Loading map…
Missouri
3 branches
- Arnold BranchMain office3780 Vogel Rd, Arnold, MO 63010Directions
- North Branch14305 New Halls Ferry Rd, Florissant, MO 63033Directions
- Watson Branch8651 Watson Rd, St. Louis, MO 63119Directions
Illinois
1 branch
- Swansea Branch4384 N Illinois St, Swansea, IL 62226Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 8.84% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.10% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.50% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $79 | $76 | — |
- CapitalNet worth ratio8.84%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.10%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.50%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$79Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Arsenal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.