What are the current interest rates at Ardent Federal Credit Union?

Current rates for Ardent Federal Credit Union include: 12-Month CD: 3.75%, 18-Month CD: 4.00%, 24-Month CD: 4.05%, 60-Month CD: 3.85%, Savings: 0.01%, MMA: 0.40%

MonitorBankRates

☰

Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

Home›
Credit Unions›
Ardent Federal Credit Union

iAdvertiser Disclosure

Ardent Federal Credit Union Rates & Review October 2026

Q: Is a member application needed to join Ardent Federal Credit Union?

Yes, to access services at Ardent Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Ardent Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 13, 2026

Ardent Federal Credit Union's top rates as of October 13, 2026 are 4.05% APY on its 24-month CD/IRA, 0.01% APY on savings, 0.40% APY on money market accounts, 1.50% APY on checking, 6.62% on its Adjustable-Rate Mortgages - 3/1 ARM, personal loans from 10.99% APR, and credit cards from 10.99% APR, according to rates verified by MonitorBankRates. Other Ardent Federal Credit Union CD rates include 18-month Flex CD at 4.00%, 18-month IRA Growth CD at 4.00%, and 9-month Flex CD at 4.00%. Other Ardent Federal Credit Union mortgage rates include 15 Year Fixed Rate Mortgage at 7.00%, 30 Year Fixed Rate Mortgage at 7.25%, and 20 Year Fixed Rate Mortgage at 7.25%. MonitorBankRates evaluates the financial stability of Ardent Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.29%. Rates last updated and verified on 10/13/2026.

Ardent Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Ardent Federal Credit Union? Share your experience about Ardent Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Ardent Federal Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.29%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Ardent Federal Credit Union
Administrative Offices

1601 Cherry St
Phila, PA 19102-1320

https://www.ardentcu.org

Customer Reviews

Be the first to review

Write a Review

Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Ardent Federal Credit Union CD Rates

Product	Rate	APY	Term
24-month Certificate/IRA	3.977%	4.05%	24 months
Min Balance $100 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 4.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.29%
18-month Flex Certificate	3.928%	4.00%	18 months
Min Balance $100 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75% Sep 18, 20264.00%▲ from 3.75% Sep 14, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.29%
18-month IRA Growth Certificate	3.928%	4.00%	18 months
Min Balance $100 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75% Sep 18, 20264.00%▲ from 3.75% Sep 14, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.29%
9-month Flex Certificate	3.928%	4.00%	9 months
Min Balance $100 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.29%
9-month IRA Growth Certificate	3.928%	4.00%	9 months
Min Balance $100 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.29%
36-month Certificate/IRA	3.784%	3.85%	36 months
Min Balance $100 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.85% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.29%
48-month Certificate/IRA	3.784%	3.85%	48 months
Min Balance $100 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.85% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.29%
60-month Certificate/IRA	3.784%	3.85%	60 months
Min Balance $100 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.85% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.29%
12-month Certificate/IRA	3.687%	3.75%	12 months
Min Balance $100 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.29%
30-month Flex Certificate	3.203%	3.25%	30 months
Min Balance $100 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.29%
30-month IRA Growth Certificate	3.203%	3.25%	30 months
Min Balance $100 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.29%
6-month Certificate/IRA	2.472%	2.50%	6 months
Min Balance $100 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.29%
3-month Certificate/IRA	0.787%	0.80%	3 months
Min Balance $100 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.80% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.29%

Ardent Federal Credit Union Savings Rates

Product	Rate	APY
Ardent Savings	0.01%	0.01%
Min Deposit $5 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.29%
Health Savings Account	0.01%	0.01%
Min Deposit $0 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.29%
Holiday/Vacation/Savings Goal Club	0.01%	0.01%
Min Deposit $5 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.29%

Ardent Federal Credit Union Business Savings Rates

Product	Rate	APY	View More
Business Savings Account	0.01%	0.01%
Min Deposit $5 Details up to $250,000; Balance: up to $250,000 Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 0.01% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.29%

Ardent Federal Credit Union Money Market Rates

Product	Rate	APY
High-Yield Money Market	0.40%	0.40%
Min Balance $5,000 Details Balance: $5,000 minimum to earn interest; Up to six (6) preauthorized, automatic, telephone transfers or withdrawals per month; fees may apply for more than 6 transactions per month or checks under $250 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.29%
Ardent Money Market	0.01%	0.01%
Min Balance $0 Details Balance: $0.00 - $2,499.99; Some restrictions apply; checks must be $250 or more; no minimum balance required to open Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.01% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.29%
Ardent Money Market	0.01%	0.01%
Min Balance $2,500 Details Balance: $2,500 - $9,999.99; Some restrictions apply; checks must be $250 or more; no minimum balance required to open Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.01% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.29%
Ardent Money Market	0.01%	0.01%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99; Some restrictions apply; checks must be $250 or more; no minimum balance required to open Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.01% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.29%
Ardent Money Market	0.01%	0.01%
Min Balance $25,000 Details Balance: $25,000 - $99,999.99; Some restrictions apply; checks must be $250 or more; no minimum balance required to open Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.01% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.29%
Ardent Money Market	0.01%	0.01%
Min Balance $100,000 Details Balance: $100,000 and up; Some restrictions apply; checks must be $250 or more; no minimum balance required to open Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.01% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.29%

Ardent Federal Credit Union Checking Rates

Product	Rate	APY
High-Yield Checking - qualifying account	1.485%	1.50%
Min Deposit $0 Details up to $25,000; Qualifying account; Balance: up to $25,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.29%
High-Yield Checking - qualifying account	0.10%	0.10%
Min Deposit $0 Details over $25,000; Qualifying account; Balance: over $25,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.29%
Basic Checking	0.01%	0.01%
Min Deposit $0 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.29%
High-Yield Checking - non-qualifying account	0.01%	0.01%
Min Deposit $0 Details Non-qualifying account Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.29%

Ardent Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
15 Year Fixed Rate Mortgage	7.00%	0.000%	7.12%	15 Year
Details As Low As; Rates effective starting: October 13, 2026 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.12% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.29%
30 Year Fixed Rate Mortgage	7.251%	0.000%	7.325%	30 Year
Details As Low As; Rates effective starting: October 13, 2026 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.33% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.29%
20 Year Fixed Rate Mortgage	7.25%	0.000%	7.347%	20 Year
Details As Low As; Rates effective starting: October 13, 2026 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.35% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.29%
Adjustable-Rate Mortgages - 10/1 ARM	7.125%	0.000%	7.503%
Details As Low As; Fixed for 120 months (10 years); Monthly Cost Per $10,000: $67.37; Rates effective starting October 13, 2026 Last Updated 10/13/2026 Rate History 3 changes since Sep 14, 2026 · 6.78% → 7.50% ▲ 0.73 pts · high 7.50% / low 6.78% Oct 9, 20267.50%▲ from 7.18% Sep 29, 20267.18%▲ from 7.02% Sep 17, 20267.02%▲ from 6.78% Sep 14, 20266.78%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.29%
Adjustable-Rate Mortgages - 7/1 ARM	6.875%	0.000%	7.513%
Details As Low As; Fixed for 84 months (7 years); Monthly Cost Per $10,000: $65.69; Rates effective starting October 13, 2026 Last Updated 10/13/2026 Rate History 3 changes since Sep 14, 2026 · 6.68% → 7.51% ▲ 0.83 pts · high 7.51% / low 6.68% Oct 9, 20267.51%▲ from 7.05% Sep 29, 20267.05%▲ from 6.92% Sep 17, 20266.92%▲ from 6.68% Sep 14, 20266.68%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.29%
Adjustable-Rate Mortgages - 5/1 ARM	6.75%	0.000%	7.608%
Details As Low As; Fixed for 60 months (5 years); Monthly Cost Per $10,000: $64.86; Rates effective starting October 13, 2026 Last Updated 10/13/2026 Rate History 3 changes since Sep 14, 2026 · 6.69% → 7.61% ▲ 0.92 pts · high 7.61% / low 6.69% Oct 9, 20267.61%▲ from 7.08% Sep 29, 20267.08%▲ from 6.93% Sep 17, 20266.93%▲ from 6.69% Sep 14, 20266.69%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.29%
Adjustable-Rate Mortgages - 5/5 ARM	7.125%	0.000%	7.621%
Details As Low As; Monthly Cost Per $10,000: $67.37; Rates effective starting October 13, 2026 Last Updated 10/13/2026 Rate History 3 changes since Sep 14, 2026 · 6.94% → 7.62% ▲ 0.68 pts · high 7.62% / low 6.94% Oct 9, 20267.62%▲ from 7.57% Sep 29, 20267.57%▲ from 7.33% Sep 17, 20267.33%▲ from 6.94% Sep 14, 20266.94%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.29%
Adjustable-Rate Mortgages - 3/1 ARM	6.625%	0.000%	7.769%
Details As Low As; Fixed for 36 months (3 years); Monthly Cost Per $10,000: $64.03; Rates effective starting October 13, 2026 Last Updated 10/13/2026 Rate History 3 changes since Sep 14, 2026 · 6.74% → 7.77% ▲ 1.03 pts · high 7.77% / low 6.74% Oct 9, 20267.77%▲ from 7.20% Sep 29, 20267.20%▲ from 6.99% Sep 17, 20266.99%▲ from 6.74% Sep 14, 20266.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.29%

Ardent Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Line of Credit	-	-	6.49%
Details Introductory rate for the first 12 months after the loan open date; after the 12th month the regular variable rate applies (based on the WSJ Prime Rate plus margin); APR will never be higher than 18.00% Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.29%
First Lien Home Equity	6.375%	-	6.54%	5 years
Details As Low As; Loan to Value: up to 80% Last Updated 10/13/2026 Rate History 2 changes since Sep 14, 2026 · 6.29% → 6.54% ▲ 0.25 pts · high 6.54% / low 6.29% Oct 9, 20266.54%▲ from 6.29% Sep 29, 20266.29%▼ from 6.29% Sep 14, 20266.29%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.29%
First Lien Home Equity	6.50%	-	6.67%	5 years
Details As Low As; Loan to Value: 80.01% to 90% Last Updated 10/13/2026 Rate History 2 changes since Sep 14, 2026 · 6.29% → 6.67% ▲ 0.38 pts · high 6.67% / low 6.29% Oct 9, 20266.67%▲ from 6.29% Sep 29, 20266.29%▼ from 6.29% Sep 14, 20266.29%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.29%
First Lien Home Equity	6.75%	-	6.84%	10 years
Details As Low As; Loan to Value: up to 80% Last Updated 10/13/2026 Rate History 2 changes since Sep 14, 2026 · 6.59% → 6.84% ▲ 0.25 pts · high 6.84% / low 6.59% Oct 9, 20266.84%▲ from 6.59% Sep 29, 20266.59%▲ from 6.59% Sep 14, 20266.59%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.29%
First Lien Home Equity	6.875%	-	6.94%	15 years
Details As Low As; Loan to Value: up to 80% Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 6.89% → 6.94% ▲ 0.05 pts · high 6.94% / low 6.89% Oct 9, 20266.94%▲ from 6.89% Sep 14, 20266.89%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.29%
First Lien Home Equity	6.875%	-	6.96%	10 years
Details As Low As; Loan to Value: 80.01% to 90% Last Updated 10/13/2026 Rate History 2 changes since Sep 14, 2026 · 6.59% → 6.96% ▲ 0.37 pts · high 6.96% / low 6.59% Oct 9, 20266.96%▲ from 6.59% Sep 29, 20266.59%▲ from 6.59% Sep 14, 20266.59%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.29%
Home Equity Fixed Rate	6.875%	-	7.04%	5 years
Details As Low As; Loan to Value: up to 80% Last Updated 10/13/2026 Rate History 2 changes since Sep 14, 2026 · 6.92% → 7.04% ▲ 0.12 pts · high 7.04% / low 6.92% Oct 9, 20267.04%▲ from 6.92% Sep 29, 20266.92%▲ from 6.92% Sep 14, 20266.92%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.29%
First Lien Home Equity	7.00%	-	7.06%	15 years
Details As Low As; Loan to Value: 80.01% to 90% Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 6.89% → 7.06% ▲ 0.17 pts · high 7.06% / low 6.89% Oct 9, 20267.06%▲ from 6.89% Sep 14, 20266.89%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.29%
Home Equity Fixed Rate	7.125%	-	7.29%	5 years
Details As Low As; Loan to Value: 80.01% to 90% Last Updated 10/13/2026 Rate History 2 changes since Sep 14, 2026 · 7.17% → 7.29% ▲ 0.12 pts · high 7.29% / low 7.17% Oct 9, 20267.29%▲ from 7.17% Sep 29, 20267.17%▲ from 7.17% Sep 14, 20267.17%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.29%
Home Equity Fixed Rate	7.25%	-	7.34%	10 years
Details As Low As; Loan to Value: up to 80% Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 7.34% → 7.34% ▼ 0.00 pts · high 7.34% / low 7.34% Sep 29, 20267.34%▼ from 7.34% Sep 14, 20267.34%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.29%
Home Equity Fixed Rate	7.375%	-	7.44%	15 years
Details As Low As; Loan to Value: up to 80% Last Updated 10/13/2026 Rate History 2 changes since Sep 14, 2026 · 7.32% → 7.44% ▲ 0.13 pts · high 7.44% / low 7.32% Oct 9, 20267.44%▲ from 7.32% Sep 29, 20267.32%▲ from 7.32% Sep 14, 20267.32%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.29%
Home Equity Fixed Rate	7.375%	-	7.47%	10 years
Details As Low As; Loan to Value: 80.01% to 90% Last Updated 10/13/2026 Rate History 2 changes since Sep 14, 2026 · 7.34% → 7.47% ▲ 0.13 pts · high 7.47% / low 7.34% Oct 9, 20267.47%▲ from 7.34% Sep 29, 20267.34%▼ from 7.34% Sep 14, 20267.34%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.29%
Home Equity Fixed Rate	7.75%	-	7.82%	15 years
Details As Low As; Loan to Value: 80.01% to 90% Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 7.69% → 7.82% ▲ 0.13 pts · high 7.82% / low 7.69% Oct 9, 20267.82%▲ from 7.69% Sep 14, 20267.69%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.29%
Fixed-Rate Home Equity Line-of-Credit	7.875%	-	7.875%	20 years
Details As Low As; Loan to Value: up to 90% Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 7.63% → 7.88% ▲ 0.25 pts · high 7.88% / low 7.63% Oct 9, 20267.88%▲ from 7.63% Sep 14, 20267.63%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.29%

Ardent Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto	-	-	5.24%	48 months
Details As Low As Last Updated 10/13/2026 Rate History 1 change since Sep 17, 2026 · 4.99% → 5.24% ▲ 0.25 pts · high 5.24% / low 4.99% Oct 9, 20265.24%▲ from 4.99% Sep 17, 20264.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.29%
New Auto	-	-	5.24%	66 months
Details As Low As Last Updated 10/13/2026 Rate History 1 change since Sep 17, 2026 · 4.99% → 5.24% ▲ 0.25 pts · high 5.24% / low 4.99% Oct 9, 20265.24%▲ from 4.99% Sep 17, 20264.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.29%
Used Auto (2015 or newer)	-	-	5.24%	48 months
Details As Low As Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 4.99% → 5.24% ▲ 0.25 pts · high 5.24% / low 4.99% Oct 9, 20265.24%▲ from 4.99% Sep 14, 20264.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.29%
Used Auto (2017 or newer)	-	-	5.24%	66 months
Details As Low As Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 4.99% → 5.24% ▲ 0.25 pts · high 5.24% / low 4.99% Oct 9, 20265.24%▲ from 4.99% Sep 14, 20264.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.29%
New Auto	-	-	5.49%	75 months
Details As Low As Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 5.24% → 5.49% ▲ 0.25 pts · high 5.49% / low 5.24% Oct 9, 20265.49%▲ from 5.24% Sep 14, 20265.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.29%
Used Auto (2018 or newer)	-	-	5.49%	75 months
Details As Low As Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 5.24% → 5.49% ▲ 0.25 pts · high 5.49% / low 5.24% Oct 9, 20265.49%▲ from 5.24% Sep 14, 20265.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.29%
First-Time Buyer Auto Loan	-	-	5.99%	75 months
Details As Low As; $30,000 max loan amount; Age 18 or older; No prior auto or mortgage loan history; Limited to vehicles 2016 or new and up to 100,000 miles Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 5.74% → 5.99% ▲ 0.25 pts · high 5.99% / low 5.74% Oct 9, 20265.99%▲ from 5.74% Sep 14, 20265.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.29%
New Auto	-	-	6.24%	84 months
Details As Low As Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 5.99% → 6.24% ▲ 0.25 pts · high 6.24% / low 5.99% Oct 9, 20266.24%▲ from 5.99% Sep 14, 20265.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.29%
Used Auto (2021 or newer)	-	-	6.24%	84 months
Details As Low As Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 5.99% → 6.24% ▲ 0.25 pts · high 6.24% / low 5.99% Oct 9, 20266.24%▲ from 5.99% Sep 14, 20265.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.29%
Classic Auto	-	-	7.74%	60 months
Details As Low As Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 7.49% → 7.74% ▲ 0.25 pts · high 7.74% / low 7.49% Oct 9, 20267.74%▲ from 7.49% Sep 14, 20267.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.29%

Ardent Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New Motorcycle Loan	-	6.74%	60 months
Details As Low As; Rates effective starting: October 13, 2026; Monthly Cost Per $1,000: $19.69 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 6.49% → 6.74% ▲ 0.25 pts · high 6.74% / low 6.49% Oct 9, 20266.74%▲ from 6.49% Sep 14, 20266.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.29%
New Boat/Watercraft Loan	-	6.99%	60 months
Details As Low As; Rates effective starting: October 13, 2026; Monthly Cost Per $1,000: $19.80 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 6.74% → 6.99% ▲ 0.25 pts · high 6.99% / low 6.74% Oct 9, 20266.99%▲ from 6.74% Sep 14, 20266.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.29%
Used Boat/Watercraft Loan	-	7.24%	60 months
Details As Low As; Rates effective starting: October 13, 2026; Monthly Cost Per $1,000: $19.92 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 6.99% → 7.24% ▲ 0.25 pts · high 7.24% / low 6.99% Oct 9, 20267.24%▲ from 6.99% Sep 14, 20266.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.29%
Used Motorcycle Loan	-	7.74%	60 months
Details As Low As; Rates effective starting: October 13, 2026; Monthly Cost Per $1,000: $20.16 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 7.49% → 7.74% ▲ 0.25 pts · high 7.74% / low 7.49% Oct 9, 20267.74%▲ from 7.49% Sep 14, 20267.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.29%
New/Used Travel Trailer Loan	-	8.74%	144 months
Details As Low As; Rates effective starting: October 13, 2026; Monthly Cost Per $1,000: $11.24 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 8.49% → 8.74% ▲ 0.25 pts · high 8.74% / low 8.49% Oct 9, 20268.74%▲ from 8.49% Sep 14, 20268.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.29%
New/Used Motor Home Loan	-	9.24%	180 months
Details As Low As; Rates effective starting: October 13, 2026; Monthly Cost Per $1,000: $10.30 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 8.99% → 9.24% ▲ 0.25 pts · high 9.24% / low 8.99% Oct 9, 20269.24%▲ from 8.99% Sep 14, 20268.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.29%

Ardent Federal Credit Union Student Loan Rates

Product	Rate	Points	APR	Term
Student Loan Refinance (Variable)	-	-	5.49%	5 years
Details Published APR range: 5.49% - 8.49%. Variable APR based on Prime index plus margin Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 5.49% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.29%
Student Loan Refinance (Fixed)	-	-	5.74%	5 years
Details Published APR range: 5.74% - 8.74%. Fixed APR for the life of the loan Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 5.74% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.29%
Student Loan Refinance (Variable)	-	-	6.64%	10 years
Details Published APR range: 6.64% - 9.14%. Variable APR based on Prime index plus margin Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 6.64% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.29%
Student Loan Refinance (Fixed)	-	-	6.89%	10 years
Details Published APR range: 6.89% -9.39%. Fixed APR for the life of the loan Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 6.89% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.29%
Student Loan Refinance (Variable)	-	-	6.89%	15 years
Details Published APR range: 6.89% - 9.39%. Variable APR based on Prime index plus margin Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 6.89% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.29%
Student Loan Refinance (Fixed)	-	-	7.19%	15 years
Details Published APR range: 7.19% - 9.64%. Fixed APR for the life of the loan Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 7.19% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.29%
Student Loan (Undergraduate)	-	-	10.75%
Details As Low As; Variable APR based on Prime index plus margin; 6.00% floor rate Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 10.75% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.29%

Ardent Federal Credit Union Credit Card Rates

Product	Rate	APR
VISA Classic Card	-	10.99%
Details As Low As; Fixed APR Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 10.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.29%
VISA Platinum Card	-	12.99%
Details As Low As; Fixed APR Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 12.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.29%

Ardent Federal Credit Union Personal Loan Rates

Product	APR	Term
Personal Loan (as low as)	10.99%	60 months
Details As Low As; APR (as low as) Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 10.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.29%
Personal Loan (as low as)	11.24%	72 months
Details As Low As; APR (as low as) Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 11.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.29%

Ardent Federal Credit Union Other Rates

Product	Rate	Points	APY/APR
FLEXline Line of Credit	-	-	6.99%
Details Intro rate. After 6 months rate adjusts to 12.25% Last Updated 10/13/2026 Rate History No change since Sep 29, 2026 · 6.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.29%
Lend-a-Paw Line of Credit	-	-	11.24%
Details APR = Annual Percentage Rate; Rates effective starting: October 13, 2026; Rates are subject to change at any time. Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 11.24% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.29%
Rookie Account	0.995%	-	1.00%
Min Deposit $5 Details Ages: 0-12 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.29%
SaveUP Account	0.85%	-	0.85%
Min Deposit $5 Details $0-$25,000.00; Balance: $0-$25,000.00 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 1.40% → 0.85% ▼ 0.55 pts · high 1.40% / low 0.85% Sep 18, 20260.85%▼ from 1.40% Sep 14, 20261.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.29%
SaveUP Account	1.39%	-	1.40%
Min Deposit $5 Details $100,000.01-$500,000.00; Balance: $100,000.01-$500,000.00 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.40% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.29%
SaveUP Account	3.25%	-	3.30%
Min Deposit $5 Details $500,000.01 -$1,000,000; Balance: $500,000.01-$1,000,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.30% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.29%
Stash Account - ages 13-26	1.485%	-	1.50%
Min Deposit $5 Details up to $2500; Ages: 13-26; Balance: up to $2500 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 1.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.29%
Stash Account - ages 13-26	1.98%	-	2.00%
Min Deposit $5 Details up to $5000; Ages: 13-26; Balance: up to $5000 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.29%
Stash Account - ages 13-26	2.465%	-	2.50%
Min Deposit $5 Details over $5000; Ages: 13-26; Balance: over $5000 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.29%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Ardent Federal Credit Union’s Texas Ratio rose from 2.73% in Q3 2023 to 3.29% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$869M	3.29%	5.0	A+
March 31, 2026	$931M	3.06%	5.0	A+
December 31, 2025	$894M	3.24%	5.0	A+
September 30, 2025	$872M	4.36%	5.0	A+
June 30, 2025	$886M	4.73%	5.0	A+
March 31, 2025	$900M	4.97%	5.0	A+
December 31, 2024	$853M	3.57%	5.0	A+
September 30, 2024	$844M	3.67%	5.0	A+
June 30, 2024	$856M	3.35%	5.0	A+
March 31, 2024	$886M	3.63%	5.0	A+
December 31, 2023	$851M	3.15%	5.0	A+
September 30, 2023	$839M	2.73%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Ardent Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Ardent Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Ardent Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Ardent Federal Credit Union

Website https://www.ardentcu.org

Address 1601 Cherry St, Phila, PA 19102-1320

Phone 215-569-3700

Fax 215-751-9872

President Gloria Wilson

CEO Robert Werner

Full-Time Employees 111

Part-Time Employees 3

Branch Locations 11

ATM Locations 9

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.29%

Return on Assets (ROA)

0.1145%

Return on Equity (ROE)

1.1321%

Non-Performing Loans Ratio (NPL)

0.53%

Total Assets

869,278,294

Total Amount of Shares and Deposits

746,029,499

Total Shares and Deposits < 1 Year

699,591,400

Total Shares and Deposits 1 3 Years

44,879,553

Total Shares and Deposits > 3 Years

1,558,546

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

82,167,395

Total Uninsured Shares and Deposits > $250K (F+J)

82,167,395

Total Insured Shares and Deposits > $250K (item 17 less item K)

663,862,104

Total Interest Expense (Sum of items 6 8)

8,939,871

Share Certificates

7,719

Number of Accounts for Share Drafts

22,645

IRA KEOGH Accounts

1,079

Number of Accounts for Regular Shares

41,536

All other shares

360

Money Market Shares

1,931

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

33,611,387

Total Liabilities

789,216,952

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Ardent Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://www.monitorbankrates.com/credit-unions/ardent-federal-credit-union-rates-review-22637">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Ardent Federal Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Ardent Federal Credit Union

Frequently Asked Questions About Ardent Federal Credit Union

How many branches does Ardent Federal Credit Union operate?

Ardent Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Ardent Federal Credit Union?

Yes, to access services at Ardent Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Ardent Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Ardent Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Ardent Federal Credit Union offer online and mobile banking?

Most modern institutions like Ardent Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.ardentcu.org.

Current Ardent Federal Credit Union Rates

12-Month CD3.75%
18-Month CD4.00%
24-Month CD4.05%
60-Month CD3.85%
Savings0.01%
MMA0.40%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Ardent Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Ardent Federal Credit Union Texas Ratio

Ardent Federal Credit Union Health Trend

Ardent Federal Credit Union CD Rates

Ardent Federal Credit Union Savings Rates

Ardent Federal Credit Union Business Savings Rates

Ardent Federal Credit Union Money Market Rates

Ardent Federal Credit Union Checking Rates

Ardent Federal Credit Union Mortgage Rates

Ardent Federal Credit Union Home Equity & HELOC

Ardent Federal Credit Union Auto Loan Rates

Ardent Federal Credit Union RV, Boat and Powersport Loan Rates

Ardent Federal Credit Union Student Loan Rates

Ardent Federal Credit Union Credit Card Rates

Ardent Federal Credit Union Personal Loan Rates

Ardent Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Ardent Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Ardent Federal Credit Union

How many branches does Ardent Federal Credit Union operate?

Is a member application needed to join Ardent Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Ardent Federal Credit Union offer online and mobile banking?

Current Ardent Federal Credit Union Rates

Compare to Other Credit Unions