Rates

Rates effective starting: July 1, 2025

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

Rates effective starting: July 1, 2025

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

Rates effective starting: July 1, 2025

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.

Rates effective starting: July 1, 2025

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.

⁵Rate increase may be request one time during the CD term if the advertised rate for the same term increases. Rate increase must be requested via phone or in branch and will be effective the next business day.

Rates effective starting: July 1, 2025

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 $348.90 or $23.26 per $1,000 borrowed (including optional payment protection) is based on a new or used $15,000, 48-month auto loan, at 100% Loan to Value at a rate of 5.49% Annual Percentage Rate.

²APR = Annual Percentage Rate. 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. Not everyone will qualify for the best rate. Interest rate based on borrower's credit score at the time of application. 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.

Rates effective starting: July 1, 2025

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. 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.

Rates effective starting: July 1, 2025

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. 

Rates effective starting: July 1, 2025

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.

Application Disclosure

Rates effective starting: July 1, 2025

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. 

Rates effective starting: July 1, 2025

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

Rates effective starting: July 1, 2025

¹Home equity loans are not available in Texas or Puerto Rico. Monthly payment of $1449.96 based on a single family, owner occupied, 6.1660% APR, 80% Loan-to-Value (LTV), five-year term First Lien home equity loan for $75,000 for borrowers with excellent credit.. Monthly payment does not include taxes and insurance. This is only an example. Your rate may vary based on a number of factors, such as Loan-to-Value ratio (LTV), credit score, term and property type. Title insurance is required on loan amounts greater than $400,000. Other fees may apply 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. Available on 1-4 family primary or secondary residences. 2-unit and 3–4-unit properties have a maximum LTV of 80% and 75%, respectively.  Property and/or flood insurance is required. All loans and lines of credit are subject to approval and collateral evaluation. The LTV 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. 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. Additional restrictions, limitations and exclusions may apply, offer subject to change, please contact an Ardent representative for further details and current rates. Equal Opportunity Lender. NMLS 498568

²APR = Annual Percentage Rate. APR includes a $299 origination fee. APR shown is for first and second lien position home equity loans, single family, owner occupied, and for a 80% or 90% Loan-to-Value (LTV) and various terms for borrowers with excellent credit. Ardent has a tiered loan rate policy which applies different loan rates to borrowers based upon the borrower's credit worthiness, Loan-to-Value (LTV), term and lien position. Rates are subject to change at any time. Other fees may apply 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. APR effective as of date shown and is subject to change without notice. The rate(s) shown are the lowest available for each of terms listed. Loan subject to credit approval. Additional terms and rates available.

³Introductory rate of 6.99% 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 7.50%). The APR will never be higher than 18.00% in a variable-rate plan. 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. Additional restrictions, limitations and exclusions may apply, offer subject to change, please contact an Ardent representative for further details and current rates.

Rates effective starting: July 1, 2025

¹Mortgage and Home equity loans are not available in Texas and Puerto Rico. Payment example: for example, if you borrow $400,000 for 360 monthly payments at 6.625%, you would make monthly payments of $2,561.24 at an APR of 6.696%. 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.

Rates effective starting: July 1, 2025

¹Mortgage and Home equity loans are not available in Texas and Puerto Rico. Payment example: for example, if you borrow $400,000 for 360 monthly payments at 6.375%, you would make monthly payments of $2,495.48 at an APR of 6.802%. 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.