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Credit union · NCUA insured

Arsenal Credit Union Auto Loan Rates

Top Carrot, Carrot Score 88Top Carrot

Arsenal Credit Union auto loans start at 4.49% APR for a new vehicle and 4.49% for a used one. Rates checked October 16, 2026.

How Arsenal Credit Union’s auto loan rates compare

Compared with banks and credit unions near St. Louis, MO-IL, where Arsenal Credit Union has the most branches. New vehicle, lowest advertised APR first.

  • Top Carrot, Carrot Score 88

    This credit union’s lowest

    Arsenal Credit Union

    4.49%APR

    Terms
    49–63 months
    Up to
    22.00% APR

    New & Used Vehicle: 2017-2027 Models

  • Lowest rate

    St. Louis Policemen's Credit Union

    3.50%APR

    Terms
    —
    Up to
    12.25% APR

    St. Louis Policemen's Credit Union rates

  • 2nd-lowest rate

    First Missouri Credit Union

    3.99%APR

    Terms
    —
    Up to
    —

    First Missouri Credit Union rates

Compare auto loan rates near you →

Arsenal Credit Union auto loan score

89

Auto loan score

Higher than 89% of U.S. banks and credit unions

By vehicle
  • New vehicleNew4.49%
  • Used vehicleUsed4.49%

Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.

How the score works →

Where Arsenal Credit Union ranks

By auto loan score, in each area where it has branches

Every rate

Current auto loan rates

Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.

Who can join Arsenal Credit Union

This may be incomplete or out of date, so check with the credit union before you apply.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.

Membership information collected October 4, 2026.

Check membership requirements ↗Branches and institution details
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