Maximize your savings

You work hard, your money should, too. With our money market accounts, you can stash away money for a rainy day or save for a big purchase. Earn a competitive rate with the ability to access your money anytime. The more you deposit, the more you'll earn.


High-Yield Money Market

  • Earn a high rate of interest on balances of $5,000 or more
  • $5,000 minimum daily balance to waive $10 monthly service fee
  • Open with a minimum balance of $5,000
  • No maximum balance
  • No minimum withdrawal amounts
  • New money only2
  • Access account information, transfer funds and deposit checks through eBanking
  • Interest compounded daily and credited monthly
  • Make up to a total of six withdrawals, transfers per month3
  • IRA option available
 

Ardent Money Market

  • Higher balances earn higher interest rates
  • No monthly service fee
  • No minimum balance to open
  • Make unlimited deposits, anytime
  • Includes 24 free personalized checks
  • Minimum check withdrawal amount of $250
  • Access account information, transfer funds and deposit checks through eBanking
  • Interest compounded daily and credited monthly
  • Make up to a total of six withdrawals, transfers or checks per month2
  • IRA option available
     

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    1APY= Annual Percentage Yield
    2 Funds on deposit at Ardent for less than 30 days
    Federal regulation
Tier Balance Annual Percentage Yield1 Dividend Rate
High-Yield Money Market ($5,000 minimum to earn interest)3 1.50% 1.485%
$0.00 to $2,499.99 0.10% 0.10%
$2,500 - $9,999.99 0.10% 0.10%
$10,000 - $24,999.99 0.10% 0.10%
$25,000 - $99,999.99 0.15% 0.15%
$100,000 and up 0.20% 0.20%

1Rates are subject to change without notice. 

Some restrictions do apply to the Ardent Money Market Account. Although you can make transfers to your Money Market Account in eBanking, account access is not available through ATMs or through Ardent's Bill Pay service. 

Up to six (6) preauthorized, automatic, telephone transfers or withdrawals may be made from each Money Market Account to another account or to a third party in any month, and no more than six (6) transfers may be made by check, draft, or debit card to a third party. Any checks drawn on your Money Market Account must be for an amount of $250 or more. If you exceed these limitations, your account may be subject to a fee or be closed. 

There is no minimum balance required to open or start earning interest on an Ardent Money Market Account.

If you make in excess of 6 transactions per month (writing checks, transfers) or you draw checks in an amount less than $250, your account will be subject to fees. Fees could reduce the earnings on the account. 

Money Market dividends are calculated monthly on your entire balance in the tier your balance falls in for that month. For example, if your balance is $15,500.00 for the first 15 days in the month, you will earn the dividend rate for tier 2 on the entire balance in the account, for 15 days. If your balance is $7,500.00 for the last 15 days of the month, you will earn the dividend rate for tier 1 on the entire balance in the account for 15 days.

2New money only. Funds on deposit at Ardent for less than 30 days.

Money Market 25K Accounts

Company Compare Rate
Ardent
1.500
Bank of America
0.040
Wells Fargo Bank
0.030
TD Bank
0.200
Citizens Bank
1.250
Santander
0.150
PNC
0.110