Our Pennsylvania credit union 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 the loans and accounts you need to achieve more.

Fee Schedule

Share Savings & Share Draft Checking1

Rates effective starting:

Product Minimum Balance Annual Percentage Yield Dividend Rate
Share Account (Savings) $0.00 0.10% 0.10%
Holiday & Vacation Club $0.00 0.10% 0.10%
Share Draft (Checking) $0.00 0.10% 0.10%
Health Savings Account $0.00 0.25% 0.25%

Money Market/IRA1

Rates effective starting:

Tier Balance Annual Percentage Yield1 Dividend Rate
$0.00 to $2,499.99 (MMA IRA only) 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 an Ardent Money Market Account, however to start earning interest the minimum balance is $2,500. 

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.

Share Certificates / Individual Retirement Account (IRA)

Rates effective starting:

Share Certificates Minimum Balance $500 Annual Percentage Yield1 Dividend Rate
3-month Share Certificate/IRA 0.20% 0.20%
6-month Share Certificate/IRA 0.30% 0.30%
12-month Share Certificate/IRA 0.50% 0.50%
18-month Flex CD3 1.05% 1.04%
18-month IRA Growth CD4 1.05% 1.04%
24-month Share Certificate/IRA 1.10% 1.09%
30-month Flex CD3 1.35% 1.34%
30-month IRA Growth CD4 1.35% 1.34%
36-month Share Certificate/IRA 1.40% 1.39%
48-month Share Certificate/IRA 1.50% 1.49%
48-month JUMP Share Certificate/IRA2 1.50% 1.49%
60-month Share Certificate/IRA 2.00% 1.98%

1Rates are subject to change at any time without notice. 

248-month JUMP Regular Share Certificate/IRA allows the member to increase the rate one time during the term of the Certificate/IRA if the Certificate/IRA rate of the same or lesser term is higher. The increase must come at the request of the member. There may be a penalty for early withdrawal. 

Dividends are calculated by the daily balance method, which applies a daily periodic rate to the principal in the account each day. Dividends are be 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. There may be a penalty for early withdrawal. 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.

3APY = Annual Percentage Yield. The average financial institution APY on an 18-month CD is 0.46% and 0.79% for a 30-month CD, as reported by bankrate.com, as of 2/8/16. Both the 18- and 30-month Flex CD offerings are 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 $500 is required, and the maximum deposit is $1,000,000. Membership eligibility and requirements apply. Rates are effective as of 2/8/16 and may be subject to change at any time.

4IRA 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.

New & Used Auto

Rates effective starting:

Product1 APR (As low as)2 Maximum term
New Auto 0.99% 36 months
New Auto 1.49% 48 months
New Auto 1.74% 72 months
New Auto 2.74% 84 months ($15,000 minimum)
Used Auto (2009 and newer) 1.99% 48 months
Used Auto (2009 or newer) 2.24% 72 months
Used Auto (2014 &2015) 3.24% 84 months ($15,000 minimum)
Classic Auto 3.49% 60 months
SMART Auto 3.99% 10 years

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. 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 at 100% Loan to Value at a rate of 2.99% Annual Percentage Rate.

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.

New & Used Boat/Watercraft, RV/Motorhome, Motorcycle

Rates effective starting:

Product1 APR (As low as)2 Maximum term
New Motorcycle 2.99% 60 months
Used Motorcycle 3.49% 60 months
New Boat/Watercraft 2.99% 60 months
Used Boat/Watercraft 3.49% 60 months
New Motor Home/RV 2.99% 60 months
New Motor Home/RV 3.99% 84 months
Used Motor Home/RV 3.49% 60 months
Used Motor Home/RV 4.49% 84 months

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.

Unsecured Loans

Rates effective starting:

Product APR1 Maximum term
Personal Loan As low as 8.99%2 72 months
Student Loans (Student Choice) As low as 6.50%3
Share Secured Share Rate +1.5% 120 months
Certificate Secured Certificate Rate +1.5% 120 months
QuickCA$H Line-of-Credit 12.25%
VISA Platinum Card as low as 10.88% fixed
VISA Gold Card as low as 10.96% fixed
VISA Classic Card as low as 9.99% fixed
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.

2Members who want to refinance existing loans must borrow an additional $2500 in new money to qualify for current posted rate.

3Prime market index plus a margin; prime rate currently at 3.50%. 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.

Home Loans

Rates effective starting:

Loan Type1 Loan to Value Annual Percentage Rate2 Maximum Term
First Lien Home Equity 80% as low as 2.49% 5 years
First Lien Home Equity 80% as low as 3.24% 10 years
First Lien Home Equity 80% as low as 3.99% 15 years
Home Equity Fixed Rate up to 80% as low as 2.99% 5 years
Home Equity Fixed Rate up to 80% as low as 3.74% 10 years
Home Equity Fixed Rate up to 80% as low as 4.24% 15 years
Home Equity Line-of-Credit (Variable at Prime) 80% as low as 2.49% (introductory rate)3 20 years

1There is an application fee of $95 on any home equity loan. Certain states, such as New York and Florida, incur a tangible tax that will be paid by the borrower. Monthly payment of $899.00 based on a 3.00% APR, $50,000, 70% Loan-to-Value (LTV), and five-year term home equity loan. Home equity loans are not available in Texas and Puerto Rico.

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.

32.49% 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 3.50%). Loans more than $250,000.00 require a title insurance.

Fixed-Rate Mortgages

Rates effective starting:

Loan Type1 Rates Points APR2
30 Year fixed (as low as) 3.500% 0.000% 3.542%
20 Year fixed (as low as) 3.250% 0.000% 3.308%
15 Year fixed (as low as) 2.750% 0.000% 2.823%

1Mortgage Loans are not available in California, Texas, West Virginia, and Puerto Rico. 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 3.5%, 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.

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

Rates effective starting:

Loan Type1 Rates Points APR2
3/1 ARM (as low as) 2.675% 0.000% 3.442%
5/1 ARM (as low as) 2.750% 0.000% 3.520%
5/5 ARM (as low as) 2.625% 0.000% 3.474%
7/1 ARM (as low as) 3.125% 0.000% 3.698%
10/1 ARM(as low as) 3.375% 0.000% 3.802%

1Mortgage Loans are not available in California, Texas, West Virginia, and Puerto Rico. 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 3.5%, 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.

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.