Our great rates work for you

Whether you're shopping for a mortgage or car loan or trying to save for a specific goal, Ardent Credit Union offers highly competitive rates for whatever you need. 

We’re happy to answer any questions you may have about our rates or Ardent Credit Union in general. Call us at 800.806.9465 to learn more.....

Fee Schedule

Deposit Rates

Loan Rates

Deposit Rates

Savings

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Rates effective starting: 01.23.22
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 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%

1Rates are subject to change at any time without notice. Membership eligibility and requirements apply. Fees may reduce earnings.

Checking

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Rates effective starting: 01.23.22
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%

1Rates are subject to change at any time without notice. Membership eligibility and requirements apply. Fees may reduce earnings.

Money Market / Money Market IRA

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Rates effective starting: 01.23.22
Tier Balance Annual Percentage Yield1 Interest Rate
High-Yield Money Market2 ($5,000 minimum to earn interest) 0.25% 0.25%
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%

1Rates are subject to change at any time without notice. Membership eligibility and requirements apply. Fees may reduce earnings.

2Up 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. 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.

3Some 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.  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. Money Market interest is 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 interest 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 interest rate for tier 1 on the entire balance in the account for 15 days.

CD/CD IRA2

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Rates effective starting: 01.23.22
CD Minimum Balance $100 Annual Percentage Yield1 Interest Rate
3-month CD/IRA 0.25% 0.25%
6-month CD/IRA 0.25% 0.25%
12-month CD/IRA 0.55% 0.55%
18-month Flex CD3 0.50% 0.50%
18-month IRA Growth CD4 0.50% 0.50%
24-month CD/IRA 0.75% 0.75%
30-month IRA Growth CD4 0.75% 0.75%
30-month Flex CD3 0.75% 0.75%
36-month CD/IRA 1.00% 0.995%
48-month CD/IRA 1.25% 1.240%
60-month CD/IRA 1.50% 1.485%

1Rates are subject to change at any time without notice. Membership eligibility and requirements apply. Fees may reduce earnings.

2Deposits at Ardent are Federally Insured to $250,000 by NCUA (National Credit Union Administration) a U.S. Government Agency. CD 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. All Certificate interest 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 interest are withdrawn before the maturity date. The penalty is equal to the smaller of the following two amounts: interest since the date of issuance or renewal or an amount equal to 180 days of interest 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 Checking Accounts.

3Up 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.

4Deposits can be added up to your IRA annual limit for IRA contributions on the IRA Growth CD.

Loan Rates

Car

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Rates effective starting: 01.23.22
Product1 APR (As low as)2 Maximum term Monthly Cost
per $1,000
New Auto 2.49% 48 months $21.92
New Auto 2.49% 66 months $16.23
New Auto 2.49% 75 months $14.42
New Auto 3.84% 84 months3 $13.56
Used Auto (2010 or newer) 2.49% 48 months $21.92
Used Auto (2011 or newer) 2.49% 66 months $16.23
Used Auto (2013 or newer) 2.49% 75 months $14.42
Used Auto (2016 or newer) 3.99% 84 months3 $13.69
Classic Auto 4.74% 60 months $18.79
SMART Auto 5.14% 10 years $10.70

1A new vehicle is defined as 5,000 miles or less. A used vehicle is defined as model years covering the current calendar year and the past 9 calendar years. Used car value determined by using the current NADA retail book value; new car value determined by using, MSRP. Monthly payment example of $287.93 or $19.20 per $1,000 borrowed (including optional payment protection) is based on a new or used $15,000, 60-month auto loan, at 100% Loan to Value at a rate of 2.99% Annual Percentage Rate.

2APR = Annual Percentage Rate. APR shown reflects 0.25% discount for automatic payment from an Ardent Credit Union checking or savings account; APR is 0.25% higher without automatic payment. Rates and terms are subject to change based on market conditions and borrower’s eligibility. Ardent Credit Union has a tiered rate policy, which applies different interest rates to borrowers, based upon the borrower’s credit worthiness. Borrower must meet credit union lending guidelines. Click here for membership eligibility requirements, which apply. Auto Loans are not available in Puerto Rico.

3$15,000 minimum required.

Boat/Watercraft, RV, Motorcycle

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Rates effective starting: 01.23.22
Product1 APR (As low as)2 Maximum term Monthly Cost
per $1,000
New Motorcycle 3.99% 60 months $18.44
Used Motorcycle 4.99% 60 months $18.56
New Boat/Watercraft 3.99% 60 months $18.44
Used Boat/Watercraft 4.24% 60 months $18.56
New/Used Motor Home 6.24% 180 months $8.59
New/Used Travel Trailer 5.74% 180 months $9.65

1A new vehicle is defined as 5,000 miles or less. A used vehicle is defined as model years covering the current calendar year and the past 7 calendar years.

2APR = Annual Percentage Rate. Ardent has a tiered loan rate policy which applies different loan rates to borrowers based upon the borrower's credit worthiness. APR shown reflects 0.25% discount for automatic payment from an Ardent Credit Union checking or savings account. APR is 0.25% higher without automatic payment. Rates are subject to change at any time. Promotional rate discounts are subject to change at any time without notice. May not be combined with any other Ardent offer.

Student Loans and Refinancing

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Rates effective starting: 01.23.22
Product APR1 Maximum term Monthly Cost
(per $1,000)
Student Loan (Undergraduate) As low as 6.25%2
Student Loan Refinance (Variable) 2.49% - 4.99% 5 years $17.77 – $18.91
Student Loan Refinance (Variable) 3.64% - 6.14% 10 years $9.97 – $11.21
Student Loan Refinance (Variable) 3.89% - 6.39% 15 years $7.36 – $8.68
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

1APR = Annual Percentage Rate. Ardent has a tiered loan rate policy which applies different loan rates to borrowers based upon the borrower's credit worthiness. Rates are subject to change at any time. 

2The APR for our undergraduate private education line of credit is variable and is based on the Prime index, plus a margin. The margin rate currently ranges between 3.00% and 5.00%, depending on the borrower’s or co-borrower's credit score at the time of application. The 'floor' rate for the loan will be 6.00%, meaning that your interest rate will never fall below this 'floor' rate. For student loan refinance, APR on a variable option is variable and based on the Prime index, plus a margin; for fixed-rate option, APR is fixed for the life of the loan. The rate you receive depends on your credit qualifications and the repayment term you select. Subject to credit qualification and additional criteria, including graduating from an approved school. Loans subject to approval. 

Credit Cards

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Rates effective starting: 01.23.22
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)

1APR = Annual Percentage Rate. Ardent has a tiered loan rate policy which applies different loan rates to borrowers based upon the borrower's credit worthiness. Rates are subject to change at any time.

2APR = Annual Percentage Rate. On Ardent Visa® Classic, Gold and Platinum cards, for an introductory period of 12 billing cycles after you receive your credit card, the Annual Percentage Rate for purchase and balance transfer will be a lower rate than the permanent Annual Percentage Rate. After the introductory period, the permanent Annual Percentage Rate will apply to all purchase and balance transfers.

A Foreign Transaction fee of 1.00% of the amount of your transaction in U.S. Dollars will be charged.

Personal Loans and Lines

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Rates effective starting: 01.23.22
Loan Type APR1 Maximum Term Monthly Cost
Per $1,000
Personal Loan (as low as) 4.99% 72 months $16.23
QuickCA$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

1APR = Annual Percentage Rate. Ardent has a tiered loan rate policy which applies different loan rates to borrowers based upon the borrower's credit worthiness. Rates are subject to change at any time.

Lend-a-Paw Line-of-Credit

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Rates effective starting: 01.23.22
Product APR1
Lend-a-Paw Line of Credit 8.99% APR

1APR = Annual Percentage Rate. Rates are subject to change at any time.

Home Equity Loans and Lines

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Rates effective starting: 01.23.22
Loan Type1 Loan to Value Annual Percentage Rate2
(as low as)		 Maximum Term Monthly Cost
per $10,000
First Lien Home Equity up to 80% 3.25% 5 years $180.81
First Lien Home Equity up to 80% 3.625% 10 years $99.48
First Lien Home Equity up to 80% 3.625% 15 years $72.11
Home Equity Fixed Rate up to 80% 3.50% 5 years $181.92
Home Equity Fixed Rate up to 80% 4.00% 10 years $101.25
Home Equity Fixed Rate up to 80% 4.00% 15 years $73.98
Home Equity Line-of-Credit up to 85% 2.99%3

(first 12 months; then, prime rate – currently 3.25%)

 Varies
Fixed-Rate Home Equity Line-of-Credit up to 85% as low as 4.25% 20 years
First Lien Home Equity 80.01% to 90% 3.375% 5 years $181.36
First Lien Home Equity 80.01% to 90% 3.625% 10 years $99.48
First Lien Home Equity 80.01% to 90% 3.625% 15 years $72.11
Home Equity Fixed Rate 80.01% to 90% 3.75% 5 years $183.04
Home Equity Fixed Rate 80.01% to 90% 4.25% 10 years $102.45
Home Equity Fixed Rate 80.01% to 90% 4.375% 15 years $75.87

1There is a minimum collateral evaluation fee of $325 on any home equity loan. This fee may be higher based on property type and state where property is located. Certain states, such as New York and Florida, incur a tangible tax that will be paid by the borrower. Monthly payment of $916.51 based on a 3.74% APR, 80% Loan-to-Value (LTV), five-year term First Lien home equity loan. Monthly payment does not include taxes and insurance. Home equity loans are not available in Texas and Puerto Rico.
Available on 1-4 family primary or secondary residences. Property and/or flood insurance is required. All loans and lines of credit are subject to approval and collateral evaluation. Fees and charges may apply. Additional restrictions, limitations and exclusions may apply, offer subject to change, please contact an Ardent representative for further details and current rates.
The combined loan-to-value ratio is the sum of the balance outstanding on your first mortgage, if any, and the amount of your new home equity loan or credit line divided by the fair market value of your home. Loan over $250,000 require title insurance. Property must have a clean title and adequate appraisal to qualify. Per membership eligibility, you must maintain $5 in a savings account to utilize the credit union’s services. If you close your home equity line of credit within 36 months of opening, you will be required to reimburse the Credit Union for the bona fide third party fees paid on your behalf which could range from $250.00 to $2,500.00. Equal Opportunity Lender. NMLS 498568

2Annual Percentage Rate (APR) effective as of date shown and is subject to change without notice.  APR may vary depending on creditworthiness, loan amount, and loan-to-value. Rate reflects a 0.25% discount for loan payment via automatic funds transfer from an Ardent checking account. Otherwise, rate 0.25% higher. Home Equity Loans exceeding 80% LTV require strong creditworthiness. The rate(s) shown are the lowest available for each of terms listed. The rate you receive will be determined by your credit worthiness at the time of application and the term of your loan. Loan subject to credit approval. Additional terms and rates available. Rates shown are for primary residences only.

3Introductory rate of 2.99% APR is for the first 12 months after the loan open date. At the beginning of the 13th month, your regular rate will go into effect which is based on the value of an index (the Prime Rate published in the Wall Street Journal, currently at 3.25%). The APR will never be higher than 18.00% in a variable-rate plan. 

Fixed-Rate Mortgage

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Rates effective starting: 01.23.22
Loan Type1 Rates
(as low as)		 Points APR2 Monthly Cost
per $10,000
30 Year fixed 3.625% 0.000% 3.682% $45.61
20 Year fixed 3.250% 0.000% 3.328% $56.72
15 Year fixed 2.750% 0.000% 2.849% $67.87

1Mortgage and Home equity loans are not available in Texas and Puerto Rico.
Payment example: for example, if you borrow $200,000 for 360 monthly payments at 3.50%, you would make monthly payments of $898.09 at an APR of 3.55%. This is only an example. Your rate may vary based on a number of factors, such as down payment, credit score, property value, and so forth. Monthly payment does not include taxes and insurance.

2APR = Annual Percentage Rate. Ardent has a tiered loan rate policy which applies different loan rates to borrowers based upon the borrower's credit worthiness. Rates are subject to change at any time.

Adjustable-Rate Mortgages

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Rates effective starting: 01.23.22
Loan Type1 Rates
(as low as)		 Points APR2 Monthly Cost
per $10,000
3/1 ARM 2.750% 0.000% 3.000% $40.82
5/1 ARM 2.875% 0.000% 3.012% $41.49
5/5 ARM 3.125% 0.000% 3.181% $42.83
7/1 ARM 3.125% 0.000% 3.114% $42.83
10/1 ARM 3.250% 0.000% 3.209% $43.52

1Mortgage and Home equity loans are not available in Texas and Puerto Rico.
Payment example: for example, if you borrow $200,000 for 360 monthly payments at 3.50%, you would make monthly payments of $898.09 at an APR of 3.55%. This is only an example. Your rate may vary based on a number of factors, such as down payment, credit score, property value, and so forth. Monthly payment does not include taxes and insurance.

2APR = Annual Percentage Rate. Ardent has a tiered loan rate policy which applies different loan rates to borrowers based upon the borrower's credit worthiness. Rates are subject to change at any time.