Savings

Rates effective starting: 12.05.20
Product Minimum Balance 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%

Checking

Rates effective starting: 12.05.20
Product Minimum Balance 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: 12.05.20
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%

CD/CD IRA2

Rates effective starting: 12.05.20
CD Minimum Balance $100 Annual Percentage Yield1 Interest Rate
3-month CD/IRA 0.10% 0.10%
6-month CD/IRA 0.15% 0.15%
12-month CD/IRA 0.65% 0.65%
18-month Flex CD3 0.25% 0.25%
18-month IRA Growth CD4 0.25% 0.25%
24-month CD/IRA 0.25% 0.25%
30-month IRA Growth CD4 0.25% 0.25%
30-month Flex CD3 0.25% 0.25%
36-month CD/IRA 0.25% 0.25%
48-month CD/IRA 0.25% 0.25%
60-month CD/IRA 0.25% 0.25%

Car

Rates effective starting: 12.05.20
Product1 APR (As low as)2 Maximum term Monthly Cost
per $1,000
New Auto 2.74% 48 months $22.05
New Auto 2.99% 66 months $16.48
New Auto 3.24% 75 months $14.72
New Auto 3.84% 84 months3 $13.56
Used Auto (2010 or newer) 2.74% 48 months $21.98
Used Auto (2011 or newer) 2.99% 66 months $16.42
Used Auto (2013 or newer) 3.24% 75 months $14.72
Used Auto (2017 or newer) 4.29% 84 months3 $13.76
Classic Auto 4.74% 60 months $18.79
SMART Auto 5.14% 10 years $10.70

Boat/Watercraft, RV/Motorhome, Motorcycle

Rates effective starting: 12.05.20
Product1 APR (As low as)2 Maximum term Monthly Cost
per $1,000
New Motorcycle 3.99% 60 months $18.44
Used Motorcycle 4.24% 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/RV 6.24% 180 months $8.59
New/Used Travel Trailer 5.74% 144 months $9.65

Student Loans and Refinancing

Rates effective starting: 12.05.20
Product APR1 Maximum term
Student Loan (Undergraduate) As low as 6.25%2
Student Loan Refinance (Variable) 2.49% - 4.99% 5 years
Student Loan Refinance (Variable) 3.64% - 6.14% 10 years
Student Loan Refinance (Variable) 3.89% - 6.39% 15 years
Student Loan Refinance (Fixed) 3.49% - 5.99% 5 years
Student Loan Refinance (Fixed) 4.64% -7.14% 10 years
Student Loan Refinance (Fixed) 4.89% - 7.39% 15 years

Credit Cards

Rates effective starting: 12.05.20
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: 12.05.20
Loan Type APR1 Maximum Term Monthly Cost
Per $1,000
Personal Loan (as low as) 5.74% 72 months $16.46
QuickCA$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
Holiday Loan 4.99% 12 Months $85.77

Lend-a-Paw Line-of-Credit

Rates effective starting: 12.05.20
Product APR1
Lend-a-Paw Line of Credit 8.99% APR

Home Equity Loans and Lines

Rates effective starting: 12.05.20
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% 3.75% 15 years $72.73
Home Equity Fixed Rate up to 80% 3.625% 5 years $182.48
Home Equity Fixed Rate up to 80% 4.125% 10 years $101.85
Home Equity Fixed Rate up to 80% 4.125% 15 years $74.61
Home Equity Line-of-Credit (Variable at Prime) up to 90% 2.99%3 Varies
First Lien Home Equity 80.01% to 90% 3.375% 5 years $181.36
First Lien Home Equity 80.01% to 90% 3.75% 10 years $100.07
First Lien Home Equity 80.01% to 90% 3.75% 15 years $72.73
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

Fixed-Rate Mortgage

Rates effective starting: 12.05.20
Loan Type1 Rates
(as low as)
Points APR2 Monthly Cost
per $10,000
30 Year fixed 3.000% 0.000% 3.055% $42.16
20 Year fixed 2.875% 0.000% 2.951% $54.84
15 Year fixed 2.500% 0.000% 2.593% $66.68

Adjustable-Rate Mortgages

Rates effective starting: 12.05.20
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