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10-month Welcome Certificate
Start your membership with this special savings offer
New to Ardent? Welcome. We’re biased, but we think choosing a credit union is always a smart move for your money, and we’re glad you’re considering us.
To sweeten the deal, we’re offering new members an exclusive way to start earning even more on their savings. Right now, you can lock in 4.20% Annual Percentage Yield for 10 months with our Welcome Certificate.
10-Month Welcome Certificate
4.20%
ANNUAL PERCENTAGE YIELD¹
How does the Ardent Welcome Certificate work?
- Open to new Ardent members only
- Fixed 4.20% APY rate for the full term
- 10-month term
- $100 minimum - $250,000 maximum deposit
What is Ardent Credit Union?
Founded in 1977, Ardent Credit Union is a member-owned, not-for-profit financial cooperative. Basically, unlike a traditional bank, we’re built to serve our members, not outside shareholders. That can mean more competitive rates, lower fees and more personal support.
We offer smart, affordable everyday banking and expert guidance designed to help you make the right moves with your money. We’re headquartered in the Philadelphia region and we have strong roots in the region, but we serve members nationwide.
Frequently Asked Questions
The Welcome Certificate is available exclusively to new Ardent members. Membership eligibility and requirements apply. If you already have an Ardent account, you are not eligible.
You can open your Welcome Certificate with as little as $100. The maximum deposit is $250,000.
Yes. Your rate is guaranteed for the 10-month term, so you’ll know how much your savings will earn through maturity.
You can withdraw funds before maturity, but an early withdrawal penalty may apply.
Unless you request to withdraw funds or select a different term, the 10-month Welcome Certificate will automatically renew as a 6-month certificate at market rate.
A Certificate, often called a CD at some financial institutions, is a guaranteed investment product commonly sold by credit unions and banks. The financial institution expects that certificate to be held for a specific amount of time, called the term. Once the certificate matures, the funds can be withdrawn and interest is paid to the depositor.
Like a savings account, certificates pay interest. However, certificates are different in three ways:
⦁ Fixed term (typically three months to five years)
⦁ Fixed rate (typically guaranteed for the full term)
⦁ Fixed maturity date (Can’t withdraw funds without penalty prior to maturity)
⦁ Fixed term (typically three months to five years)
⦁ Fixed rate (typically guaranteed for the full term)
⦁ Fixed maturity date (Can’t withdraw funds without penalty prior to maturity)
Opening a Certificate at Ardent Credit Union can be a safe and reliable way help you achieve longer-term savings goals. Certificates also provide a guaranteed rate of return, so you will know how much your investment will grow over time. Ardent certificates are federally insured by the NCUA.
Federally Insured by NCUA
¹APY = Annual Percentage Yield. Available to new Ardent members only. Membership eligibility and requirements apply. Rate subject to change at any time without notice. Certificate interest rates are fixed for the term of the Certificate. Certificate interest is calculated by the daily balance method, which applies a daily periodic rate to the principal in the account each day. Interest is compounded and credited monthly. Annual Percentage Yield assumes interest remains on deposit until maturity. Early withdrawal may reduce earnings and a penalty may apply. Minimum $100 deposit required to open. Maximum deposit $250,000. The Certificate will automatically renew at maturity to a 6-month Certificate for the APY in effect at that time unless you notify us.