Credit union · NCUA insured
Arsenal Credit Union Credit Card Rates
Top CarrotArsenal Credit Union credit cards start at 9.90% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Arsenal Credit Union’s credit card rates compare
Compared with banks and credit unions near St. Louis, MO-IL, where Arsenal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Arsenal Credit Union
9.90%APR
- Up to
- 17.90% APR
Fixed-rate Visa Platinum
Lowest rate
FRB Federal Credit Union
7.50%APR
- Up to
- —
2nd-lowest rate
First Community Credit Union
7.90%APR
- Up to
- 16.90% APR
Arsenal Credit Union credit card score
84
Credit card score
Higher than 65% of U.S. banks and credit unions
- Purchase APRPurchase APR9.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Arsenal Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Fixed-rate Visa Platinum
Credit union membership and qualifications required. Simple interest, no annual or monthly fees, no cash advance fees, no balance transfer fees, no penalty rate, 25-day grace period. Credit limit $300 - $30,000.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.90%–17.90% | None | Rate based on creditworthiness. Credit limit $300 - $30,000. No annual or monthly fees. 25-day grace period. |
Sources (2)
All captured Oct 5, 2026
Share Secure Credit Card
Credit union membership and qualifications required. Secured by deposit in Arsenal savings account. Credit limit $300 - $3,000. Simple interest, no annual or monthly fees, no cash advance fees, no balance transfer fees, no penalty rate, 25-day grace period.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.90% | None | Credit limit $300 - $3,000. Credit limits based on amount on deposit in Arsenal savings account. No annual or monthly fees. 25-day grace period. |
Sources (2)
All captured Oct 5, 2026
Youth Credit Card
Available to individuals between the ages of 16-18. Must have qualified adult co-signor/guarantor. Credit limit $300 - $500. Simple interest, no annual or monthly fees, no cash advance fees, no balance transfer fees, no penalty rate, 25-day grace period.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.90% | None | Available to individuals between the ages of 16-18 with qualified adult co-signor/guarantor. Credit limit $300 - $500. No annual or monthly fees. 25-day grace period. |
Sources (1)
- arsenalcu.com/personal/loans/auto-loans · captured Oct 5, 2026
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.