Savings

Rates effective starting: 10.04.22
Product Minimum to Open Annual Percentage Yield1 Interest Rate
Ardent Savings $5.00 0.05% 0.05%
Business Savings Account (up to $250,000) $5.00 0.05% 0.05%
Business Savings Account (over $250,000) $5.00 0.05% 0.05%
Holiday/Vacation/Savings Club $5.00 0.05% 0.05%
Health Savings Account $0.00 0.05% 0.05%
Rookie Account– ages 0-12 $5.00 1.00% 0.995%
Stash Account – ages 13-26 (up to $2500) $5.00 1.00% 0.995%
Stash Account– ages 13-26 (up to $5000) $5.00 1.50% 1.485%
Stash Account– ages 13-26 (over $5000) $5.00 2.00% 1.980%
SaveUP Account2 (first $25,000 of balance) $5.00 2.15% 2.125%
SaveUP Account2 (funds over $25,000) $5.00 0.10% 0.10%

Checking

Rates effective starting: 10.04.22
Product Minimum to Open Annual Percentage Yield1 Interest Rate
Free High-Yield Checking Account (up to $25,000) See full benefits $0.00 1.00% 0.995%
Free High-Yield Checking Account (over $25,000) See full benefits $0.00 0.10% 0.10%
Free Basic Checking Account $0.00 0.01% 0.01%
Cash Account – ages 13-26 $5.00 0.00% 0.00%

Money Market / Money Market IRA

Rates effective starting: 10.04.22
Tier Balance Annual Percentage Yield1 Interest Rate
High-Yield Money Market2 ($5,000 minimum to earn interest) 0.75% 0.75%
Ardent Money Market3 ($0.00 to $2,499.99) 0.10% 0.10%
Ardent Money Market3 ($2,500 - $9,999.99) 0.10% 0.10%
Ardent Money Market3 ($10,000 - $24,999.99) 0.10% 0.10%
Ardent Money Market3 ($25,000 - $99,999.99) 0.10% 0.10%
Ardent Money Market3 ($100,000 and up) 0.10% 0.10%

CD/CD IRA2

Rates effective starting: 10.04.22
CD Minimum Balance $100 Annual Percentage Yield1 Interest Rate
3-month CD/IRA 1.000% 0.995%
6-month CD/IRA 1.000% 0.995%
12-month CD/IRA 3.00% 2.955%
18-month Flex CD3 2.75% 2.715%
18-month IRA Growth CD4 2.75% 2.715%
24-month CD/IRA 3.00% 2.955%
30-month IRA Growth CD4 3.10% 3.055%
30-month Flex CD3 3.10% 3.055%
36-month CD/IRA 3.15% 3.105%
48-month CD/IRA 3.20% 3.15%
60-month CD/IRA 3.25% 3.200%

Car

Rates effective starting: 10.04.22
Product1 APR (As low as)2 Maximum term Monthly Cost
per $1,000
New Auto 4.74% 48 months $22.83
New Auto 4.74% 66 months $17.19
New Auto 4.74% 75 months $15.38
New Auto 5.74% 84 months3 $14.43
Used Auto (2012 or newer) 4.74% 48 months $22.83
Used Auto (2014 or newer) 4.74% 66 months $17.19
Used Auto (2015 or newer) 4.74% 75 months $15.38
Used Auto (2018 or newer) 5.74% 84 months3 $14.43
Classic Auto 5.74% 60 months $19.22
SMART Auto 7.14% 10 years $11.63

Boat/Watercraft, RV, Motorcycle

Rates effective starting: 10.04.22
Product1 APR (As low as)2 Maximum term Monthly Cost
per $1,000
New Motorcycle 4.99% 60 months $18.87
Used Motorcycle 5.99% 60 months $19.33
New Boat/Watercraft 4.99% 60 months $18.87
Used Boat/Watercraft 5.24% 60 months $18.99
New/Used Motor Home 7.24% 180 months $9.13
New/Used Travel Trailer 6.74% 144 months $10.15

Student Loans and Refinancing

Rates effective starting: 10.04.22
Product APR1 Maximum term Monthly Cost
(per $1,000)
Student Loan (Undergraduate) As low as 7.00%2
Student Loan Refinance (Variable) 3.24% - 5.74% 5 years $18.18 – $19.40
Student Loan Refinance (Variable) 4.39% - 6.89% 10 years $10.39 – $11.69
Student Loan Refinance (Variable) 4.64% - 7.14% 15 years $7.79 – $9.18
Student Loan Refinance (Fixed) 2.99% - 5.99% 5 years $17.99 – $19.38
Student Loan Refinance (Fixed) 4.14% -6.64% 10 years $10.21 – $11.46
Student Loan Refinance (Fixed) 4.39% - 6.89% 15 years $7.61 – $8.89

Credit Cards

Rates effective starting: 10.04.22
Product APR1
VISA Platinum Card As low as 10.88% fixed2
VISA Gold Card As low as 10.96% fixed2
VISA Classic Card As low as 9.99% fixed2
VISA Secured Card 17.90% fixed ($25 Annual Fee)

Personal Loans and Lines

Rates effective starting: 10.04.22
Loan Type APR1 Maximum Term Monthly Cost
Per $1,000
Personal Loan (as low as) 6.49% 72 months $16.73
QuickCA$H Line-of-Credit 12.25%
Share Secured Ardent Savings Rate +1.5% 120 months Varies
Certificate Secured Certificate Rate +1.5% 120 months Varies

Lend-a-Paw Line-of-Credit

Rates effective starting: 10.04.22
Product APR1
Lend-a-Paw Line of Credit 8.99% APR

Home Equity Loans and Lines

Rates effective starting: 10.04.22
Loan Type1 Loan to Value Rates (as low as) Annual Percentage Rate2
(as low as)
Maximum Term Monthly Cost
per $10,000
First Lien Home Equity up to 80% 4.625% 4.730% 5 years $187.01
First Lien Home Equity up to 80% 5.000% 5.0580% 10 years $106.08
First Lien Home Equity up to 80% 5.125% 5.1660% 15 years $79.75
Home Equity Fixed Rate up to 80% 5.250% 5.3600% 5 years $189.87
Home Equity Fixed Rate up to 80% 5.625% 5.6830% 10 years $109.16
Home Equity Fixed Rate up to 80% 5.750% 5.7910% 15 years $83.06
Fixed-Rate Home Equity Line-of-Credit up to 85% as low as 6.000% 20 years $100.00
Home Equity Line-of-Credit (Variable at Prime) up to 85% as low as 5.50% 20 years $108.00
First Lien Home Equity 80.01% to 90% 4.750% 4.8590% 5 years $187.58
First Lien Home Equity 80.01% to 90% 5.125% 5.1830% 10 years $106.69
First Lien Home Equity 80.01% to 90% 5.250% 5.2910% 15 years $80.41
Home Equity Fixed Rate 80.01% to 90% 5.500% 5.6100% 5 years $191.02
Home Equity Fixed Rate 80.01% to 90% 5.750% 5.8080% 10 years $109.79
Home Equity Fixed Rate 80.01% to 90% 6.125% 6.1670% 15 years $85.09

Fixed-Rate Mortgage

Rates effective starting: 10.04.22
Loan Type1 Rates
(as low as)
Points APR2 Monthly Cost
per $10,000
30 Year fixed 6.500% 0.000% 6.566% $63.20
20 Year fixed 6.250% 0.000% 6.336% $73.09
15 Year fixed 5.875% 0.000% 5.982% $83.71

Adjustable-Rate Mortgages

Rates effective starting: 10.04.22
Loan Type1 Rates
(as low as)
Points APR2 Monthly Cost
per $10,000
3/1 ARM 5.125% 0.000% 6.486% $54.45
5/1 ARM 5.375% 0.000% 6.346% $55.99
5/5 ARM 5.625% 0.000% 6.444% $57.56
7/1 ARM 5.625% 0.000% 6.299% $57.56
10/1 ARM 5.875% 0.000% 6.283% $59.15