Rates

Share Savings & Share Draft Checking¹

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%
Free Basic Checking Account	$0.00	0.10%	0.10%
Health Savings Account	$0.00	0.25%	0.25%
Free Kasasa Cash® Checking Account (up to $25,000)	$0.00	1.00%	0.995%
Free Kasasa Cash® Checking Account (over $25,000)	$0.00	0.25%	0.250%

Money Market/IRA¹

Tier Balance	Annual Percentage Yield1	Dividend Rate
$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.

Share Certificates / Individual Retirement Account (IRA)

Share Certificates Minimum Balance $100	Annual Percentage Yield1	Dividend Rate
3-month Share Certificate/IRA	0.250%	0.250%
6-month Share Certificate/IRA	0.400%	0.400%
12-month Share Certificate/IRA	1.00%	0.995%
18-month Flex CD2	1.00%	0.995%
18-month IRA Growth CD3	1.00%	0.995%
24-month Share Certificate/IRA	1.100%	1.095%
30-month Flex CD2	1.25%	1.240%
30-month IRA Growth CD3	1.25%	1.240%
36-month Share Certificate/IRA	1.25%	1.240%
48-month Share Certificate/IRA	1.50%	1.495%
60-month Share Certificate/IRA	2.00%	1.980%

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

Dividends are calculated by the daily balance method, which applies a daily periodic rate to the principal in the account each day. Dividends are 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. A SUBSTANTIAL PENALTY IS IMPOSED if certificate funds other than dividends are withdrawn before the maturity date. The penalty is equal to the smaller of the following two amounts: dividends since the date of issuance or renewal or an amount equal to 180 days of dividends 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 Share Draft/Checking Accounts.

Members who own Jumbo Share Certificates/IRAs $99,999.00 and above are protected to a level of $500,000. This protection includes $250,000 of coverage from Excess Share Insurance, as well as $250,000 from the NCUA.

²APY = Annual Percentage Yield.  The 30-month Flex CD offering is 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 $100 is required, and the maximum deposit is $500,000. The 18-month Flex CD offering does not require new money. Membership eligibility and requirements apply. Rates are subject to change at any time.

³IRA 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

Product1	APR (As low as)2	Maximum term	Monthly Cost (per $1,000)
New Auto	1.99%	66 months	$16.03
New Auto	2.49%	75 months	$14.43
New Auto	2.99%	84 months ($15,000 minimum)	$13.23
Used Auto (2007-2008)	2.49%	48 months	$21.94
Used Auto (2009-2010)	2.49%	60 months	$17.77
Used Auto 2011	2.74%	72 months	$15.10
Used Auto (2012 or newer)	2.49%	66 months	$16.25
Used Auto (2012 or newer)	2.74%	75 months	$14.54
Used Auto (2015 or newer)	3.74%	84 months ($15,000 minimum)	$13.58
Classic Auto	3.99%	60 months	$18.45
SMART Auto	4.49%	10 years	$10.38

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 has a tiered rate policy which applies different interest rates to borrowers, based upon the borrower’s credit worthiness. Loan example: Five and a half-year (66 months) auto loan of $15,000 at 1.99% APR would result in a monthly payment of $210.35. Members applying for an auto loan no later than June 30, 2017 may have the option to defer their first payment for 90 days. Interest will continue to accrue during the deferral period and will be collected with your first loan payment. May not be combined with any other Ardent offer. Borrower must meet credit union lending guidelines. Click here for membership eligibility requirements that apply. A new vehicle is defined as an automobile with 5,000 miles or less. Used car value determined by using the current NADA retail book value; new car value determined by using, MSRP.

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

Product1	APR (As low as)2	Maximum term	Monthly Cost (per $1,000)
New Motorcycle	3.24%	60 months	$18.10
Used Motorcycle	3.49%	60 months	$18.22
New Boat/Watercraft	3.24%	60 months	$18.11
Used Boat/Watercraft	3.49%	60 months	$18.22
New Motor Home/RV	3.24%	60 months	$18.10
New Motor Home/RV	4.24%	84 months	$13.81
Used Motor Home/RV	3.74%	60 months	$18.33
Used Motor Home/RV	4.74%	84 months	$14.04

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

Product	APR1	Maximum term	Monthly Cost (per $1,000)
Personal Loan	As low as 8.99%2	72 months	$18.09
Student Loan (Student Choice)	As low as 7.00%3
Student Loan Refinance (Student Choice)	As low as 2.64%3 (Variable)	5 years
Student Loan Refinance (Student Choice)	As low as 3.64%3 (Variable)	10 years
Student Loan Refinance (Student Choice)	As low as 4.14%3 (Variable)	15 years
Student Loan Refinance (Student Choice)	As low as 3.64%3 (Fixed)	5 years
Student Loan Refinance (Student Choice)	As low as 4.64%3 (Fixed)	10 years
Student Loan Refinance (Student Choice)	As low as 5.14%3 (Fixed)	15 years
Share Secured	Share Rate +1.5%	120 months
Certificate Secured	Certificate Rate +1.5%	120 months
QuickCA$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.

³The 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. 

Home Loans

Loan Type1	Loan to Value	Annual Percentage Rate2	Maximum Term	Monthly Cost (per $10,000)
First Lien Home Equity	up to 80%	as low as 2.99%	5 years	$179.87
First Lien Home Equity	up to 80%	as low as 3.24%	10 years	$97.81
First Lien Home Equity	up to 80%	as low as 3.99%	15 years	$74.05
Home Equity Fixed Rate	up to 80%	as low as 3.49%	5 years	$182.14
Home Equity Fixed Rate	up to 80%	as low as 3.74%	10 years	$100.17
Home Equity Fixed Rate	up to 80%	as low as 4.24%	15 years	$75.31
Home Equity Line-of-Credit (Variable at Prime)	up to 90%	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 $887.15 based on a 2.49% APR, $50,000, 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.

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 4.25%). The APR will never be higher than 18.00% in a variable-rate plan. Loans more than $250,000.00 require a title insurance.

Fixed-Rate Mortgages

Loan Type1	Rates	Points	APR2	Monthly Cost (per $10,000)
30 Year fixed (as low as)	4.000%	0.000%	4.043%	$47.74
20 Year fixed (as low as)	3.750%	0.000%	3.809%	$59.29
15 Year fixed (as low as)	3.250%	0.000%	3.324%	$70.26

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

Loan Type1	Rates	Points	APR2	Monthly Cost (per $10,000)
3/1 ARM (as low as)	3.375%	0.000%	4.088%	$44.21
5/1 ARM (as low as)	3.125%	0.000%	4.201%	$42.84
5/5 ARM (as low as)	3.250%	0.000%	4.246%	$43.52
7/1 ARM (as low as)	3.375%	0.000%	4.264%	$44.21
10/1 ARM(as low as)	3.750%	0.000%	4.309%	$46.31

¹ Mortgage 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.