Savings

Rates effective starting: 08.14.22
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/Savings 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%
SaveUP Account2 (first $25,000 of balance) $5.00 2.00% 1.980%
SaveUP Account2 (funds over $25,000) $5.00 0.10% 0.10%

Checking

Rates effective starting: 08.14.22
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%

Money Market / Money Market IRA

Rates effective starting: 08.14.22
Tier Balance Annual Percentage Yield1 Interest Rate
High-Yield Money Market2 ($5,000 minimum to earn interest) 0.40% 0.40%
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: 08.14.22
CD Minimum Balance $100 Annual Percentage Yield1 Interest Rate
3-month CD/IRA 1.000% 0.995%
6-month CD/IRA 1.000% 0.995%
12-month CD/IRA 1.75% 1.735%
18-month Flex CD3 2.00% 1.98%
18-month IRA Growth CD4 2.00% 1.98%
24-month CD/IRA 2.25% 2.225%
30-month IRA Growth CD4 2.25% 2.225%
30-month Flex CD3 2.25% 2.225%
36-month CD/IRA 2.50% 2.465%
48-month CD/IRA 2.75% 2.715%
60-month CD/IRA 3.00% 2.955%

Car

Rates effective starting: 08.14.22
Product1 APR (As low as)2 Maximum term Monthly Cost
per $1,000
New Auto 3.99% 48 months $22.51
New Auto 3.99% 66 months $16.85
New Auto 3.99% 75 months $15.05
New Auto 4.99% 84 months3 $14.08
Used Auto (2010 or newer) 3.99% 48 months $22.51
Used Auto (2011 or newer) 3.99% 66 months $16.85
Used Auto (2013 or newer) 3.99% 75 months $15.05
Used Auto (2018 or newer) 4.99% 84 months3 $14.08
Classic Auto 5.24% 60 months $18.91
SMART Auto 6.39% 10 years $11.25

Boat/Watercraft, RV, Motorcycle

Rates effective starting: 08.14.22
Product1 APR (As low as)2 Maximum term Monthly Cost
per $1,000
New Motorcycle 4.49% 60 months $18.58
Used Motorcycle 5.49% 60 months $19.02
New Boat/Watercraft 4.49% 60 months $18.58
Used Boat/Watercraft 4.74% 60 months $18.69
New/Used Motor Home 6.74% 180 months $8.81
New/Used Travel Trailer 6.24% 144 months $9.84

Student Loans and Refinancing

Rates effective starting: 08.14.22
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

Credit Cards

Rates effective starting: 08.14.22
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)

Personal Loans and Lines

Rates effective starting: 08.14.22
Loan Type APR1 Maximum Term Monthly Cost
Per $1,000
Personal Loan (as low as) 6.49% 72 months $16.73
QuickCA$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

Lend-a-Paw Line-of-Credit

Rates effective starting: 08.14.22
Product APR1
Lend-a-Paw Line of Credit 8.99% APR

Home Equity Loans and Lines

Rates effective starting: 08.14.22
Loan Type1 Loan to Value Rates (as low as) Annual Percentage Rate2
(as low as)
Maximum Term Monthly Cost
per $10,000
First Lien Home Equity up to 80% 4.375% 4.4840% 5 years $185.89
First Lien Home Equity up to 80% 4.750% 4.8070% 10 years $104.87
First Lien Home Equity up to 80% 4.875% 4.9150% 15 years $78.46
Home Equity Fixed Rate up to 80% 5.000% 5.1090% 5 years $188.74
Home Equity Fixed Rate up to 80% 5.375% 5.4330% 10 years $107.94
Home Equity Fixed Rate up to 80% 5.500% 5.5410% 15 years $81.74
Fixed-Rate Home Equity Line-of-Credit up to 85% as low as 5.75% 20 years $100.00
Home Equity Line-of-Credit (Variable at Prime) up to 85% as low as 4.75% 20 years $108.00
First Lien Home Equity 80.01% to 90% 4.500% 4.6090% 5 years $186.46
First Lien Home Equity 80.01% to 90% 4.875% 4.9330% 10 years $105.48
First Lien Home Equity 80.01% to 90% 5.00% 5.0400% 15 years $79.11
Home Equity Fixed Rate 80.01% to 90% 5.250% 5.3600% 5 years $189.89
Home Equity Fixed Rate 80.01% to 90% 5.50% 5.5580% 10 years $108.56
Home Equity Fixed Rate 80.01% to 90% 5.875% 5.9160% 15 years $83.74

Fixed-Rate Mortgage

Rates effective starting: 08.14.22
Loan Type1 Rates
(as low as)
Points APR2 Monthly Cost
per $10,000
30 Year fixed 5.375% 0.000% 5.437% $56.00
20 Year fixed 5.000% 0.000% 5.082% $66.00
15 Year fixed 4.750% 0.000% 4.853% $77.79

Adjustable-Rate Mortgages

Rates effective starting: 08.14.22
Loan Type1 Rates
(as low as)
Points APR2 Monthly Cost
per $10,000
3/1 ARM 4.500% 0.000% 5.410% $50.66
5/1 ARM 4.750% 0.000% 5.355% $52.16
5/5 ARM 5.000% 0.000% 5.450% $53.68
7/1 ARM 5.000% 0.000% 5.377% $53.68
10/1 ARM 5.250% 0.000% 5.448% $55.22