Ready for an upgrade? Meet Ardent Credit Union.

    Great rates, real support and no red flags. Now serving South Jersey. 

    Meet a financial partner who's invested in you, one that offers personal support, flexible accounts, and affordable banking for whatever you’re working toward. Ardent is now available in your area, and we're ready to show you what a healthy banking relationship actually looks like.

    Ardent Credit Union has spent nearly 50 years building something real, one member relationship at a time. Now we're ready to do the same for you.

    Now open for membership in your county.

    Your Money Deserves a Membership.

    So, what exactly is a credit union? Think of it as a financial institution that works for the people who bank there. Credit unions offer checking accounts, loans, credit cards and more. However, they’re not-for-profit and member-owned, which puts their focus on delivering value to members, not profits to shareholders. Learn more about the differences between credit unions and banks here.

    The Receipts.

    Because we don't just talk a good game.

    $2,081 average savings on your next car with our free Auto Buying Concierge service

    $1,900 average cash back when you buy or sell a home with an agent in our network

    Up to $420 in cash back and ATM fee refunds per year with Cashback Checking

    Banking with Benefits

    From everyday checking to your next big purchase, we've got you covered. Consider it our love language.

    Cashback Checking  

    Everyday checking that pays you back. No minimum balance, no monthly fees, just the opportunity to earn cash back on your spending.

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    Flex Certificate

    Grow your savings with a certificate that flexes with you. Add funds anytime and access a portion early if your plans change.

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    Kids Accounts

    Give your kids a head start on smart money habits with accounts and tools built just for them.

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    Renovation Loan

    Create your someday home today. Flexible financing built around the value your renovation will create.

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    Lend-a-Paw

    Fixed-rate line of credit for your pet's needs, from vet visits to training to everyday care, with no annual fee.

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    Platinum Card

    Fixed-rate Visa® credit card that earns cash back on every purchase with no annual fee. Simple rewards for everyday spending.

    Learn More

    Think We're a Match? Let's Talk.

    Make the first move and a member of our team will reach out.

    FAQs

    A credit union is a member-owned financial institution, offering similar services to a bank, but it is owned by its members, not shareholders. As a cooperative, Ardent reinvests profits back into better rates and lower fees for members rather than paid out to Wall Street investors. Each member has a say in how their credit union is run.

    Yes, Ardent Credit Union deposits are federally insured by the National Credit Union Administration up to $250,000 per account, which is the maximum amount allowed by law and the same level of protection offered by the FDIC at major banks.

    Most likely, yes. Ardent Credit Union has expanded its charter and is now open to members nationwide, including residents of South Jersey.  Learn more about membership eligibility here.
    Yes, Ardent Credit Union offers full-service digital banking from your computer, phone or tablet, along with access to a nationwide fee-free ATM network.

    You also gain access to the shared branching network, a national network of credit unions that lets members transact at participating branches as if they were at their own credit union.
    Switching to Ardent Credit Union is designed to be simple. The Ardent team can assist with direct deposit transfers and automatic payment updates, and most members complete the switch faster than expected.
    Ardent Credit Union offers full-service banking, including auto loans, mortgages, credit cards, youth banking, wealth advisory services, and specialized programs, such as our unique Renovation Loan, the First Home Concierge for first-time homebuyers and the Auto Buying Concierge for negotiating vehicle purchases.

    Membership also unlocks personal finance tools like CreditSavvy, a free credit monitoring tool that lets you easily check your credit score and report daily, simulate changes, set goals and more.

    Ardent Credit Union was founded in 1977 in Philadelphia and has grown into a community-focused credit union serving members nationwide.