Certificates

Power up your savings with our high-yielding certificates.

Ardent gives your money a better workout

Our certificates, often called CDs at other institutions, strengthen your savings with great rates and a variety of terms, ranging from three-to-60 months. Earn guaranteed dividends on your funds with our competitive savings rates.  You also get peace of mind knowing that all your funds are federally insured up to the maximum allowed by law.

  • Minimum $100 initial deposit required on most terms
  • 11 different terms to choose from
  • Competitive rates in the region
  • No fees on minimum balance or more
  • Penalties for early withdrawal may apply

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FEATURED RATE

12-Month Certificates/IRA

3.75%

ANNUAL PERCENTAGE YIELD

Frequently Asked Questions

A Certificate, often known as a CD at other financial institutions, is a guaranteed investment product commonly sold by credit unions and banks. The financial institution expects that certificate to be held for a specific amount of time, called the term. Once the certificate matures, the funds can be withdrawn and interest is paid to the depositor.

Like a savings account, certificates pay interest. However, certificates are different in three ways:
⦁    Fixed term (typically three months to five years)
⦁    Fixed rate (typically guaranteed for the full term)
⦁    Fixed maturity date (Can’t withdraw funds without penalty prior to maturity)

Investing in Certificates can be a safe and reliable alternative to investing in the stock market to help you achieve longer-term savings goals. Certificates also provide a guaranteed rate of return, so you will know how much your investment will grow over time. This appeals to the risk averse, as well as those inexperienced with the stock market. Plus, Ardent certificates are federally insured by the NCUA.

Certificate/Certificate IRA2

Rates effective starting: September 12, 2026

Certificate MINIMUM BALANCE $100 ANNUAL PERCENTAGE YIELD1 Interest Rate
3-month Certificate/IRA 0.80% 0.787%
6-month Certificate/IRA 2.50% 2.472%
9-month Flex Certificate3 4.00% 3.928%
9-month IRA Growth Certificate4 4.00% 3.928%
12-month Certificate/IRA 3.75% 3.687%
18-month Flex Certificate3 3.75% 3.687%
18-month IRA Growth Certificate4 3.75% 3.687%
24-month Certificate/IRA 4.05% 3.977%
24-month BumpUP Certificate/IRA6 3.50% 3.445%
30-month IRA Growth Certificate4 3.25% 3.203%
30-month Flex Certificate3 3.25% 3.203%
36-month Certificate/IRA 3.85% 3.784%
48-month Certificate/IRA 3.85% 3.784%
60-month Certificate/IRA 3.85% 3.784%

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

2Funds at Ardent are Federally Insured to $250,000 by NCUA (National Credit Union Administration) a U.S. Government Agency. Certificate 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 the interest 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. Unless otherwise stated, certificates automatically renew at maturity to the rate effective at that time. The interest 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 Certificate balance may be withdrawn one time over the term of the Certificate with no penalty. Subsequent withdrawals or any withdrawals in excess of 50% of the principal balance are subject to early withdrawal penalties. Fees may reduce earnings. Minimum deposit to open is $100. Maximum deposit is $500,000. Additional funds up to the maximum deposit can be added at any time during the term.

4Funds can be added up to your Growth Certificate up to your annual limit for IRA contributions.

5Withdraw your full balance, plus the interest earned,  without penalty any time at least 7 days after opening. Limit one per member. Renews as 6-month Certificate at market rate at time of maturity unless otherwise requested.

6Rate increase may be request one time during the Certificate 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.