Ardent gives your money a better workout

We help strengthen your savings by providing you with different types of CDs with variety of terms ranging from three to 60 months to suit your needs. And, you have the peace of mind knowing that all your deposits are federally insured up to the maximum allowed by law.

  • Minimum $100 initial deposit required on most terms
  • 11 different CD terms to choose from
  • Competitive rates in the region
  • No fees on minimum balance or more

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CDs Minimum Balance $100 Annual Percentage Yield1 Dividend Rate
3-month CD/IRA 1.00% 0.995%
6-month CD/IRA 1.70% 1.685%
12-month CD/IRA 2.25% 2.225%
18-month Flex CD5 2.40% 2.370%
18-month IRA Growth CD6 2.40% 2.370%
24-month CD/IRA 2.40% 2.370%
30-month Flex CD5 2.40% 2.370%
30-month IRA Growth CD6 2.40% 2.370%
36-month CD/IRA 3.00% 2.955%
48-month CD/IRA 2.40% 2.370%
60-month CD/IRA 2.50% 2.465%
1Rates are subject to change at any time without notice.

Dividends are calculated by the daily balance method, which applies a daily periodic rate to the principal in the account each day. Dividends are compounded monthly and are credited monthly. All Certificate dividend rates are fixed for the term of the Certificate. The Annual Percentage Yield is based on the assumption that dividends will remain on deposit until maturity. Premature withdrawal will reduce earnings
. A SUBSTANTIAL PENALTY IS IMPOSED if certificate funds other than dividends are withdrawn before the maturity date. The penalty is equal to the smaller of the following two amounts: dividends since the date of issuance or renewal or an amount equal to 180 days of dividends on the amount withdrawn. Any fee imposed may reduce the earnings on your account.

The dividend rates and Annual Percentage Yields may change at any time at the discretion of the Ardent Federal Credit Union Board of Directors. The Credit Union reserves the right to require members to give, in writing, not more than 60 days notice of intention to withdraw the whole or any part of the amounts so paid in by them except for those amounts paid into Share Draft/Checking Accounts.
Members who own Jumbo Share Certificates/IRAs $99,999.00 and above are protected to a level of $500,000. This protection includes $250,000 of coverage from Excess Share Insurance, as well as $250,000 from the NCUA.

2APY = Annual Percentage Yield.  The 30-month Flex CD offering is for new money only. New money is defined as funds on deposit at Ardent for 30 days or less or funds transferred from another financial institution. Up to 50% of the Flex CD balance may be withdrawn one time over the term of the share certificate with no penalty. Minimum deposit of $100 is required, and the maximum deposit is $500,000. The 18-month Flex CD offering does not require new money. Membership eligibility and requirements apply. Rates are subject to change at any time.

3IRA Growth CD is for new money only. Deposits can be added up to your IRA annual limit for IRA contributions on the IRA Growth CD.