--- title: "Ardent Credit Union Rates (Nov 2026): CDs to 4.50%" description: "Ardent Credit Union rates today: savings & CDs up to 4.50% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join Ardent Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/pennsylvania/ardent" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Ardent Credit Union Rates (Nov 2026): CDs to 4.50% ### Mortgage rates 8 offers | Product | Published | Rate | Term / condition | Status | | **30-Year Fixed** 30 year fixed | — APR | 6.875% | — | Standard | | **15-Year Fixed** 15 year fixed | — APR | 6.500% | — | Standard | | **3/1 ARM** 3 1 arm | — APR | 6.250% | — | Standard | | **5/1 ARM** 5 1 arm | — APR | 6.375% | — | Standard | | **7/1 ARM** 7 1 arm | — APR | 6.500% | — | Standard | | **20-Year Fixed** 20 year fixed | — APR | 6.625% | — | Standard | | **10/1 ARM** 10 1 arm | — APR | 6.750% | — | Standard | | **5/5 ARM** 5 5 arm | — APR | 6.750% | — | Standard | Ardent Credit Union mortgage rates as of November 12, 2026 ### Auto & vehicle rates 16 offers | Product | Published | Rate | Term / condition | Status | | **66-Month Used Auto Loan (2017 and Newer)** auto_used_66mo | — APR | 5.240% | 66 mo · used | Standard | | **48-Month Used Auto Loan (2015 and Newer)** auto_used_48mo | — APR | 5.240% | 48 mo · used | Standard | | **66-Month Used Auto Loan** auto_used_66mo | — APR | 5.240% | 66 mo · used | Standard | | **48-Month New Auto Loan** auto_new_48mo | — APR | 5.240% | 48 mo · new | Standard | | **75-Month Used Auto Loan (2018 and Newer)** auto_used_75mo | — APR | 5.490% | 75 mo · used | Standard | | **75-Month New Auto Loan** auto_new_75mo | — APR | 5.490% | 75 mo · new | Standard | | **First-Time Buyer Auto Loan 4** auto_any_75mo | — APR | 5.990% | 75 mo | Standard | | **84-Month Used Auto Loan (2021 and Newer)** auto_used_84mo | — APR | 6.240% | 84 mo · used | Standard | | **84-Month New Auto Loan** auto_new_84mo | — APR | 6.240% | 84 mo · new | Standard | | **60-Month New Motorcycle Loan** motorcycle_new_60mo | — APR | 6.740% | 60 mo · new | Standard | | **New Boat/Watercraft** boat_new_60mo | — APR | 6.990% | 60 mo · new | Standard | | **Used Boat/Watercraft** boat_used_60mo | — APR | 7.240% | 60 mo · used | Standard | | **60-Month Used Motorcycle Loan** motorcycle_used_60mo | — APR | 7.740% | 60 mo · used | Standard | | **Classic Auto** auto_any_60mo | — APR | 7.740% | 60 mo | Standard | | **New/Used Travel Trailer** rv_any_144mo | — APR | 8.740% | 144 mo · any | Standard | | **New/Used Motor Home** rv_any_180mo | — APR | 9.240% | 180 mo · any | Standard | Ardent Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 4 offers | Product | Published | Rate | Term / condition | Status | | **First Lien Home Equity** heloc | — APR | 6.375% | — | Standard | | **HELOC** heloc | — APR | 6.490% | — | Standard | | **Home Equity Loan (Fixed)** heloc_fixed | — APR | 6.875% | — | Standard | | **HELOC (Fixed)** heloc_fixed | — APR | 7.875% | — | Standard | Ardent Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 5 offers | Product | Published | Rate | Term / condition | Status | | **FLEXline Line of Credit** ploc_variable | — APR | 6.990% | — | Standard | | **Unsecured Personal Loan** personal_unsecured | — APR | 10.990% | — | Standard | | **Personal Loan (as low as)** personal_unsecured_60mo | — APR | 10.990% | 60 mo | Standard | | **Lend-A-Paw Line of Credit** ploc_variable | — APR | 11.240% | — | Standard | | **Personal Loan (as low as)** personal_unsecured_72mo | — APR | 11.240% | 72 mo | Standard | Ardent Credit Union personal loan rates as of November 12, 2026 ### Student loan rates 3 offers | Product | Published | Rate | Term / condition | Status | | **Student Loan Refinance (Variable)** student | — APR | 5.490% | — | Standard | | **Student Loan Refinance (Fixed)** student | — APR | 5.740% | — | Standard | | **Student Loan (Undergraduate)** student | — APR | 10.750% | — | Standard | Ardent Credit Union student loan rates as of November 12, 2026 ### Credit card rates 2 offers | Product | Published | Rate | Term / condition | Status | | **VISA Classic Card** credit_card | — APR | 10.990% | — | Standard | | **Platinum Credit Card** credit_card_platinum | — APR | 12.990% | — | Standard | Ardent Credit Union credit card rates as of November 12, 2026 ### Savings & CD rates 39 offers | Product | Published | Rate | Term / condition | Status | | **High-Yield Checking – non-qualifying account** checking | — APY | 0.01% | — | Standard | | **Business Savings Account (up to $250,000)** savings | — APY | 0.01% | — | Eligibility restricted | | **Ardent Money Market 3 ($100,000 and up)** money_market | — APY | 0.01% | — | Standard | | **Ardent Money Market 3 ($2,500 - $9,999.99)** money_market | — APY | 0.01% | — | Standard | | **Ardent Money Market 3 ($25,000 - $99,999.99)** money_market | — APY | 0.01% | — | Standard | | **Ardent Money Market 3 ($10,000 - $24,999.99)** money_market | — APY | 0.01% | — | Standard | | **Ardent Money Market 3 ($0.00 to $2,499.99)** money_market | — APY | 0.01% | — | Standard | | **Business Savings Account (over $250,000)** savings | — APY | 0.01% | — | Eligibility restricted | | **High-Yield Checking (over $25,000) - qualifying account** checking | — APY | 0.10% | — | Standard | | **High-Yield Money Market 2 ($5,000 minimum to earn interest)** money_market | — APY | 0.40% | — | Standard | | **3-month Certificate/IRA** ira_cd_3mo | 0.80% APY | 0.79% | 3 mo | Standard | | **SaveUP Account ($50,000.01-$100,000.00)** savings | — APY | 0.85% | — | Standard | | **SaveUP Account ($0-$25,000.00)** savings | — APY | 0.85% | — | Standard | | **SaveUP Account ($25,000.01-$50,000.00)** savings | — APY | 0.85% | — | Standard | | **Rookie Account– ages 0-12** savings | — APY | 0.99% | — | Standard | | **SaveUP Account ($100,000.01-$500,000.00)** savings | — APY | 1.39% | — | Standard | | **Stash Account – ages 13-26 (up to $2500)** savings | — APY | 1.49% | — | Standard | | **High-Yield Checking (up to $25,000)- qualifying account** checking | — APY | 1.49% | — | Standard | | **Stash Account– ages 13-26 (up to $5000)** savings | — APY | 1.98% | — | Standard | | **Stash Account– ages 13-26 (over $5000)** savings | — APY | 2.46% | — | Standard | | **6-month Certificate/IRA** ira_cd_6mo | 2.50% APY | 2.47% | 6 mo | Standard | | **30-month Flex Certificate 3** cd_30mo | 3.25% APY | 3.20% | 30 mo | Standard | | **30-month IRA Growth Certificate 4** ira_cd_30mo | 3.25% APY | 3.20% | 30 mo | Standard | | **SaveUP Account ($500,000.01 -$1,000,000)** savings | — APY | 3.25% | — | Standard | | **24-month BumpUP Certificate/IRA 6** ira_cd_24mo | 3.50% APY | 3.44% | 24 mo | Standard | | **12-month Certificate/IRA** ira_cd_12mo | 3.75% APY | 3.69% | 12 mo | Standard | | **60-month Certificate/IRA** ira_cd_60mo | 3.85% APY | 3.78% | 60 mo | Standard | | **48-month Certificate/IRA** ira_cd_48mo | 3.85% APY | 3.78% | 48 mo | Standard | | **36-month Certificate/IRA** ira_cd_36mo | 3.85% APY | 3.78% | 36 mo | Standard | | **Slam Dunk Certificate Base Rate 7** cd | 4.00% APY | 3.93% | — | Standard | | **18-month Flex Certificate 3** cd_18mo | 4.00% APY | 3.93% | 18 mo | Standard | | **11-month Slam Dunk Certificate Base Rate 7** cd_11mo | 4.00% APY | 3.93% | 11 mo | Standard | | **18-month IRA Growth Certificate 4** ira_cd_18mo | 4.00% APY | 3.93% | 18 mo | Standard | | **24-month Certificate/IRA** ira_cd_24mo | 4.05% APY | 3.98% | 24 mo | Standard | | **9-month Flex Certificate 3** cd_9mo | 4.10% APY | 4.03% | 9 mo | Standard | | **9-month IRA Growth Certificate 4** ira_cd_9mo | 4.10% APY | 4.03% | 9 mo | Standard | | **9-Month Flex Certificate/IRA** ira_cd_9mo | — APY | 4.10% | 9 mo | Standard | | **Slam Dunk Certificate Bonus Rate 7** cd | 4.50% APY | 4.41% | — | Standard | | **11-month Slam Dunk Certificate Bonus Rate 7** cd_11mo | 4.50% APY | 4.41% | 11 mo | Standard | Ardent Credit Union savings & cd rates as of November 12, 2026 Savings and certificate yields up to 4.50% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/pennsylvania/ardent) , verified from [Ardent Credit Union's official website](https://www.ardentcu.org/) Loading branch locator… ## About Ardent Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 34.2K Assets $931.3M Founded 1977 Locations reported 11 NCUA charter 22637 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - First-time homebuyer program - Bilingual services - Student scholarships Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Trumark Financial** Center City Philadelphia · Philadelphia · PA · 19103 About 0.2 miles away](https://rateapi.dev/credit-unions/pennsylvania/trumark-financial) [**Citadel** Center City · Philadelphia · PA · 19103-4001 About 0.2 miles away](https://rateapi.dev/credit-unions/pennsylvania/citadel) [**American Heritage** Market Street · Philadelphia · PA · 19103 About 0.2 miles away](https://rateapi.dev/credit-unions/pennsylvania/american-heritage) [**N A E** Sungard/Harland · PHILADELPHIA · PA · 19108-1001 About 0.5 miles away](https://rateapi.dev/credit-unions/virginia/n-a-e) [**Toledo Fire Fighters** Disaster Recovery Center · Philadelphia · PA · 19108-1001 About 0.5 miles away](https://rateapi.dev/credit-unions/ohio/toledo-fire-fighters) [**Police & Fire** Main Office · Philadelphia · PA · 19107-2404 About 0.6 miles away](https://rateapi.dev/credit-unions/pennsylvania/police-fire) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Ardent Credit Union Membership eligibility from Ardent Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership via the American Consumer Council ($0) - Association American Consumer Council **Cost to join:** No membership fee or minimum deposit listed. Verified from [Ardent Credit Union's membership page](https://www.ardentcu.org/resources/blog/december-2025/ardent-credit-union-expands-membership-eligibility-nationwide) . Final membership determination is always made by the credit union. ## Work at Ardent Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Ardent Credit Union ranks against Pennsylvania peers. - See which AI assistants fetched Ardent Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Pennsylvania - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=ardent&state=pennsylvania&code=PA&name=Ardent%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Ardent Credit Union offer? Ardent Credit Union currently offers mortgage, vehicle loan, HELOC, personal loan, student loan, and credit card rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Ardent Credit Union rates updated? RateAPI verifies Ardent Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Ardent Credit Union's rate data? Rate data is collected directly from Ardent Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Ardent Credit Union's best CD rate? As of November 12, 2026, Ardent Credit Union offers savings and certificate (CD) yields up to 4.50% APY. ### Who can join Ardent Credit Union? Membership via the American Consumer Council ($0) ## Related Rate Data Compare Ardent Credit Union's rates against national credit-union benchmarks. [More Pennsylvania credit unions](https://rateapi.dev/credit-unions/pennsylvania) [Pennsylvania mortgage rate leaders](https://rateapi.dev/mortgage-rates/pennsylvania) [Pennsylvania auto loan rate leaders](https://rateapi.dev/auto-loan-rates/pennsylvania) [Pennsylvania HELOC rate leaders](https://rateapi.dev/heloc-rates/pennsylvania) [Pennsylvania personal loan leaders](https://rateapi.dev/personal-loan-rates/pennsylvania) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.ardentcu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Ardent Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Pennsylvania credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Ardent Credit Union curl "https://api.rateapi.dev/credit-unions/pennsylvania /ardent " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Ardent Credit Union locations Search, filter, and browse all 11 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/pennsylvania/ardent Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp