Arsenal Credit Union (MO/IL) 60-Month CD Earns 3.25% APY


Deal Summary: 60-month CD, 3.25% APY, $500 minimum.

Availability: Residents of the City of St. Louis, five Missouri counties, portions of four additional Missouri counties, and four Illinois counties, all in the greater St. Louis metropolitan area.

At the beginning of the year, Arsenal Credit Union (Arsenal CU) raised the rate on its 60-month CD to 3.25% APY; that rate is still in effect today. The minimum opening deposit is $500, with no stated balance cap. The 60-month Youth CD also earns 3.25%, but only requires a $100 minimum deposit.

3.65%$500-Arsenal Credit Union60 Month CD
3.65%$500-Arsenal Credit Union60 Month IRA (Traditional, Roth)
3.65%$100-Arsenal Credit UnionYouth 60 Month CD
Rates as of March 13, 2024.

The CD is also offered as an IRA (Traditional and Roth), earning the same APY with the same funding requirements.

DA has been tracking the 60-month CD for more than eight years, but it only became competitive in the last few months, as many other long-term rates dropped.

As stated in the Account Disclosures, the Early Withdrawal Penalty reads as follows:

We will impose a penalty if you withdraw any of the funds before the maturity date.

For accounts having a term greater than one year, the penalty imposed will equal 180 days of interest on the amount withdrawn.


Headquartered in Arnold, Missouri, Arsenal Credit Union's field of membership (FOM) is primarily residency based, with individuals who live or work in the Missouri counties of Franklin, Jefferson, St. Francois, Ste. Genevieve, or St. Louis, and the southwest Illinois counties of Madison, Monroe, Randolph, or St. Clair eligible to join.

The FOM also includes specific Zip Codes in Camden, Jasper, Miller, and Morgan Counties, Missouri.

Individuals who live or work in the City of St. Louis are also eligible. Although the City of St. Louis borders on St. Louis County, it is an independent city and not in the territory of any county.

Family members of anyone eligible to join Arsenal CU are welcome to apply. Family is defined as “parent, grandparent, brother, sister, child, grandchild, spouse, aunt, uncle, niece, nephew, first cousin. or legal guardian” and includes steps, in-laws and legally adoptive relationships.

Arsenal CU’s FOM includes a variety of Select Employee Groups (SEGs), the largest of which are the National Geospatial-Intelligence Agency and the Department of Veterans Affairs. Other SEGs include five local trade unions, local Federal government agencies, the St. Louis Coast Guard and National Guard, local USPS branches, and local real estate companies/associations.

Joining Arsenal CU and/or opening a CD can be done online or at any of four Missouri branches located in Arnold, Florissant, and St. Louis (2). There is also one Illinois branch in Swansea, which was acquired during a merger with Southern Illinois Area Credit Union.

With as little as a $5 deposit, you can start a savings account at the credit union.
This simple action instantly makes you a member/owner of Arsenal.

Arsenal CU participates in the Co-Op Shared Branching and ATM network.

Use more than 5,000 credit union shared branches across the country, including more than 50 in St. Louis.

Use free CO-OP Network ATMs – there are nearly 30,000 across the country, including more than 250 in St. Louis.

Credit Union Overview

Arsenal Credit Union has an overall health grade of "A" at, with a Texas Ratio of 6.53% (excellent), based on March 31, 2019 data. In the past year, Arsenal CU increased its total non-brokered deposits by $7.8 million, an excellent annual growth rate of 3.78%. Please refer to our financial overview of Arsenal Credit Union (NCUA Certificate # 67195) for more details.

Founded in 1948, Arsenal Credit Union was initially known as the Aero Chart Credit Union. The original FOM included employees of the Aero Chart Service, Plant and Store, a U.S. government agency that is now known as the National Geospatial-Intelligence Agency (NGA). Rebranded as “Arsenal” in 1952, the new name was a tribute to NGA’s campus on the banks of the Mississippi, which was the site of the St. Louis Arsenal during the Civil War. Arsenal CU is currently the twelfth largest credit union in Missouri, with more than 27,300 members and assets in excess of $242 million.

How the CD Compares

When compared to 261 similar length-of-term CDs tracked by that require a similar minimum deposit and are available within the FOM, Arsenal Credit Union’s 60-month CD APY currently ranks first.

The above rates are accurate as of 8/15/2019.

To search for the best CD rates, both nationwide and state specific, please refer to’s CD Rates Table page.

Related Pages: St. Louis CD rates, 5-year CD rates

Arsenal Credit Union (MO/IL) 24-Month CD Earns 3.25% APY
Deal Summary: 24-month CD, 3.25% APY, $500 minimum.

Availability: Residents of the City of St. Louis, two Missouri counties, and portions of five additional Missouri counties, and three Illinois counties, all in the greater St. Louis metropolitan area.

Last week, Arsenal Credit Union (Arsenal CU) substantially raised the rate on its 24-month CD to 3.25% APY. The minimum opening deposit is $500, with no stated balance cap. The 24-month Youth CD also earns 3.25%, but only requires a $100 minimum deposit.

The CD is also offered as...

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