I bought a vehicle out of my state of residence. The DMV wouldn't allow a copy of the lien release on the vehicle I purchased. It was from 2023 and had been financed through Arsenal. I contacted Arsenal, and although it was a 3 yr old document, they looked it up and gave me the original. They were quick and communicated promptly by email. I was able to get my tags done. Thank you, Arsenal! read more

Problems started back last summer when I went to cash a petty cash check from the company that I work for, who direct deposited my check into my Arsenal Credit Union account, all while I was dressed head to toe in company branded apparel and they turned me down. More recently than not, I began the process of making that account inactive, but still open, as family and business partners have accounts within that branch and you can use their coinstar at no extra charge. One of the final things I asked of them, was to please turn off over draft and decline any attempted transactions instead of doing what they call a Courtesy Pay. I was promised that if any transaction attempts were made that they wouldn't go through unless I had an adequate balance. That was a lie. One slip up and an $8.99 charge for a music streaming service we forgot to switch cost me the $8.99 plus an additional $28! I called and Kim waived it for me only after throwing it in my face and going out of her way me feel like an idiot for trusting what the rep told me to my face about it being turned off like I had asked. Her explanation was basically summed up as "well you can turn off courtesy pay, but it doesn't matter because it still works regardless". Little to no effort was made to retain my business after being a member for nearly 10 years I felt like the staff was just as happy to have one less member as I was to be closing my account with them after poor treatment. Hi! Come join me over at Central Bank to get paid up to $300 for opening a checking account. It's an easy process and takes a few minutes on their site using my referral link. https://secure.centralbank.net/refer-a-friend/RAF30001405162322 read more

I provided Arsenal Credit Union with substantial information regarding my divorce with a court ruling stating that my ex-husband was to be held responsible for the auto loan our names were both on. The ex-husband purposely let the vehicle get repossessed to negatively impact my credit score in an attempt to ruin the chance of me moving forward with my life. Arsenal Credit Union blatantly does not care about domestic violence survivors. I do not recommend this business to anyone, especially females trying to carry on with their lives after a traumatic life event. read more

Been banking with them for 15 years. They are always helpful, friendly, solution oriented, financed a car, financed a second from another bank with ridiculous rates... always good advice. A great team! Thx... Judith C. read more

NOT USER FRIENDLY! Provide auto financing through dealerships remotely, but then everything from changing your address, setting up online banking, closing your account, must be done in person. If you are going to finance remotely then do not make remote banking so difficult once customers have the account. I do not live locally and now have to travel two hours to get a refund check and close an account. RIDICULOUS! read more

if I could give ZERO stars I WOULD. I have been banking with arsenal for over 20 years. in the last year they have changed their online banking to make it extremely difficult to do ANYTHING. I used to have automatic payments to my card-- and they took that away. now it takes two separate transfers to make a payment. I fell behind by 2 payments not knowing they weren't coming out automatically anymore, and they reported to my credit, knocking me down 100 points.. which was a financial domino affect for me, a single mom working two jobs -- hard enough as it is. arsenal has RUINED the hard work I've put in to get a good score and good credit. they have screwed me financially. I will NEVER do business with them again and I highly recommend staying away from this credit union. read more

Their digital tools are severely lacking, half the time the app isn't working. They take significantly longer than other banks/CUs to display correct transactions and your actual balance- I've had more than one experience where they've charged me $28 overdraft fees for inaccurately displayed balances that will appear and disappear randomly) I now keep minimal money in the account, at this point I'm concerned about closing it for fear of undisplayed transactions from weeks/months ago passing thru. (Ex. Transaction of $20 from a purchase 3 months prior) This was my first bank- it hasn't been anywhere near a good experience for me, and initially created a toxic mindset towards financial institutions until I realized it was just this place. read more

Arsenal has great in person & phone service. I have banked with them for many years & service has always been outstanding.

Ever since Arsenal Credit Union changed its online banking have NOTHING BUT PROBLEMS. I have been a member for mor than 40 years. ACU has reached bottom for their service. I am not having these problems with my other online account services. ACU likes to tell u the problem is ur end not them. IS THERE NO ONE ELSE SEEING THE PROBLEM WITH ONLINE BANKING SINCE ACU CHANGED?? SPEAK OUT! read more

Never use them is you are a business, you can not even download your transactions in an electronic format. I have a business credit card with an authorized user, she has complete control I am not allowed to do anything on her card, I have to pay the bill. They also freeze your card for charging things at Walmart as that is suspicious. Bad Bad Bad bank read more

Do NOT come here if you are trying to rebuild. I have a car loan with them and had a few personal loans. Everything was fine. Pandemic related issues required me to file for Bankruptcy. Still paying on the car, charged off the other loans. Moved out of state to go to grad school to try and better my situation. While here, I discovered that they will not allow me to pay my bill online because of the bankruptcy nor will they allow me to pay over the phone. On top of this, I cannot refinance the vehicle because they will not let creditors know that I am still making payments since the account was under the protection of the bankruptcy even though I am still making payments. Nor will they allow a refi within their institution. Nor will they allow a transfer into a new account that creditors will see. Basically, if you are a person that has fallen on hard times and trying to turn your life around, the people at Arsenal Credit Union will not support you. read more

I opened my account with Arsenal in the fall of 2019. I was very specific with my needs and they where very accommodating. Unfortunately there where several hiccups along the way. The last straw was the week before Christmas 2020. I normally cash my paycheck through my work, and deposit what I don't keep in cash directly into my checking account at Arsenal. So on this fateful Friday I went to the credit union a little before noon. The gentleman that waited on me gave a very nice greetings, and I told him, I wanted to deposit just over $500 in cash into my checking account. At the end of my transaction, he did something that I had never experienced before, he asked if I would like a receipt. I had never been asked before, it had just always been apart of the transaction - unfortunately, me being on my lunch break, I declined. Big mistake. Flash forward to that evening, I get online to pay a few bills, and low and behold, my cash deposit from earlier is now short $100. I calmly call Arsenal and leave a message in their general mail box, explaining what occurred, my initial thought is, since the deposit was off by exactly $100 it was probably just a slip up. I take the time the following day to get to the credit union during their small 3 hour window of open time, and am informed that they will audit the drawers and look into the incident, and contact me on Monday. Monday comes, no communication, so I take off from work a half hour early and just make it to the credit union minutes before closing - I talk to another gentleman who tells me the first gentleman wasn't there that day - so I would be contacted on Tuesday. Again, I leave work early and head to the credit union on Tuesday because I did not receive any communication. I am greeted by the first gentleman who took my original complaint and am told that my transaction was reviewed and all the drawers from that day audited, and there was no sign of any extra money anywhere, he told me he reviewed the footage on the camera and that the "woman" that performed my transaction did everything she was suppose to. When I stopped him and informed him it was a gentleman that waited on me that day - he told me it was in fact a woman. Which I knew to be a lie. So I asked to escalate my encounter to the branch manager, who just happened to be on vacation until the next Monday after Christmas. Thankfully, she did happen to know how to use her phone and called me around 10:00AM that Monday, unfortunately she was spouting the same nonsense that the previous gentleman had, and told me that if there was a problem with the transaction, *I SHOULD HAVE CAUGHT IT DURING THE TRANSACTION*. I politely hung up on her. Long story short, I was out $100 right before Christmas, and Arsenal Credit Union did everything in their power to cover up any mistakes, even going so far as to blame me for not watchdogging the transaction. I will not be a member of their credit union after the new year. read more

This is the worst credit union I've come to know. I've been w/ them for several years and the service have declined in the last 4. During a time of crisis, I asked them to return an unauthorized transaction and they told me it would take 60 days!!!!! In a time if uncertainty who can wait 60 days to get their money back?!?! I asked if the company that took the money verified that the transactions was processed the error,would they return the credit to my acct and the Assistant Vice President at the Watson branch stated "we would not accept a letter". This goes to show you the level of empathy this company has for their members. If you're reading this post and considering this Credit Union, you should look elsewhere. There are some great Credit Unions that are accommodating their members during this world's crisis. read more

Less than helpful. Was told to bring in a cashier's check to get a lien release to pay off a car and when I did what the CU told me they could not give me the lien release, they needed cash. They don't trust cashier's checks.. who knew and who takes large sums of cash anymore??? Total waste of 2 hours and very frustrating experience. I would suggest a different credit union. read more

I have been at Arsenal Credit Union in Around since they began. I have my business and my personal accounts there. They have been so helpful and fair I love doing business there. Personal help whenever you need it also. Clay Simmering read more

The best in small banking with many of the big business perks. We selected Arsenal in 2008 during a used car purchase where the best rate was from Arsenal. Since then we have opened personal checking and savings as well and business checking savings and small business loan. Originally some of the online banking technology was lacking but has been upgraded in past years. People are great and services are strong. read more