Ardent Credit Union

Phila, Pennsylvania
Last verified: August 4, 2026
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Verified rate book

Current Ardent Credit Union rates

73 published offers verified as of August 4, 2026.

How we verify rates

Mortgage rates

8 offers
Ardent Credit Union mortgage rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
30-Year Fixed30 year fixed6.750% APR6.750%—Standard
15-Year Fixed15 year fixed6.000% APR6.000%—Standard
3/1 ARM3 1 arm6.125% APR6.125%—Standard
5/1 ARM5 1 arm6.250% APR6.250%—Standard
20-Year Fixed20 year fixed6.375% APR6.375%—Standard
7/1 ARM7 1 arm6.375% APR6.375%—Standard
5/5 ARM5 5 arm6.500% APR6.500%—Standard
10/1 ARM10 1 arm6.625% APR6.625%—Standard

Auto & vehicle rates

16 offers
Ardent Credit Union auto & vehicle rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
48-Month New Auto Loanauto_new_48mo4.990% APR4.990%48 mo · newStandard
66-Month Used Auto Loanauto_used_66mo4.990% APR4.990%66 mo · usedStandard
66-Month Used Auto Loan (2017 and Newer)auto_used_66mo4.990% APR4.990%66 mo · usedStandard
48-Month Used Auto Loan (2015 and Newer)auto_used_48mo4.990% APR4.990%48 mo · usedStandard
75-Month Used Auto Loan (2018 and Newer)auto_used_75mo5.240% APR5.240%75 mo · usedStandard
75-Month New Auto Loanauto_new_75mo5.240% APR5.240%75 mo · newStandard
First-Time Buyer Auto Loan 4auto_any_75mo5.740% APR5.740%75 moStandard
84-Month New Auto Loanauto_new_84mo5.990% APR5.990%84 mo · newStandard
84-Month Used Auto Loan (2021 and Newer)auto_used_84mo5.990% APR5.990%84 mo · usedStandard
60-Month New Motorcycle Loanmotorcycle_new_60mo6.490% APR6.490%60 mo · newStandard
New Boat/Watercraftboat_new_60mo6.740% APR6.740%60 mo · newStandard
Used Boat/Watercraftboat_used_60mo6.990% APR6.990%60 mo · usedStandard
60-Month Used Motorcycle Loanmotorcycle_used_60mo7.490% APR7.490%60 mo · usedStandard
Classic Autoauto_any_60mo7.490% APR7.490%60 moStandard
New/Used Travel Trailerrv_any_144mo8.490% APR8.490%144 mo · anyStandard
New/Used Motor Homerv_any_180mo8.990% APR8.990%180 mo · anyStandard

HELOC rates

4 offers
Ardent Credit Union heloc rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
First Lien Home Equityheloc6.000% APR6.000%—Standard
HELOCheloc6.240% APR6.240%—Standard
Home Equity Loan (Fixed)heloc_fixed6.500% APR6.500%—Standard
HELOC (Fixed)heloc_fixed7.625% APR7.625%—Standard

Personal loan rates

5 offers
Ardent Credit Union personal loan rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Unsecured Personal Loanpersonal_unsecured10.990% APR10.990%—Standard
Personal Loan (as low as)personal_unsecured_60mo10.990% APR10.990%60 moStandard
Personal Loan (as low as)personal_unsecured_72mo11.240% APR11.240%72 moStandard
Lend-a-Paw Line of Creditploc_variable11.240% APR11.240%—Standard
QuickCA$H Line-of-Creditpersonal12.250% APR12.250%—Standard

Student loan rates

3 offers
Ardent Credit Union student loan rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Student Loan Refinance (Variable)student5.490% APR5.490%—Standard
Student Loan Refinance (Fixed)student5.740% APR5.740%—Standard
Student Loan (Undergraduate)student10.750% APR10.750%—Standard

Credit card rates

2 offers
Ardent Credit Union credit card rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
VISA Classic Cardcredit_card10.990% APR10.990%—Standard
Platinum Credit Cardcredit_card_platinum12.990% APR12.990%—Standard

Savings & CD rates

35 offers
Ardent Credit Union savings & cd rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
High-Yield Checking – non-qualifying accountsavings0.01% APY0.01%—Standard
Business Savings Account (up to $250,000)savings0.01% APY0.01%—Standard
Ardent Money Market 3 ($100,000 and up)money_market0.01% APY0.01%—Standard
Ardent Money Market 3 ($2,500 - $9,999.99)money_market0.01% APY0.01%—Standard
Ardent Money Market 3 ($25,000 - $99,999.99)money_market0.01% APY0.01%—Standard
Ardent Money Market 3 ($10,000 - $24,999.99)money_market0.01% APY0.01%—Standard
Ardent Money Market 3 ($0.00 to $2,499.99)money_market0.01% APY0.01%—Standard
High-Yield Checking (over $25,000) - qualifying accountsavings0.10% APY0.10%—Standard
High-Yield Money Market 2 ($5,000 minimum to earn interest)money_market0.40% APY0.40%—Standard
3-month CD/IRAira_cd_3mo0.80% APY0.79%3 moStandard
SaveUP Account ($0-$25,000.00)savings0.85% APY0.85%—Standard
SaveUP Account ($50,000.01-$100,000.00)savings0.85% APY0.85%—Standard
SaveUP Account ($25,000.01-$50,000.00)savings0.85% APY0.85%—Standard
Rookie Account– ages 0-12savings0.99% APY0.99%—Standard
SaveUP Account ($100,000.01-$500,000.00)savings1.39% APY1.39%—Standard
Stash Account – ages 13-26 (up to $2500)savings1.49% APY1.49%—Standard
High-Yield Checking (up to $25,000)- qualifying accountsavings1.49% APY1.49%—Standard
Stash Account– ages 13-26 (up to $5000)savings1.98% APY1.98%—Standard
Stash Account– ages 13-26 (over $5000)savings2.46% APY2.46%—Standard
6-month CD/IRAira_cd_6mo2.50% APY2.47%6 moStandard
30-month Flex CD 3cd_30mo3.25% APY3.20%30 moStandard
24-month CD/IRAira_cd_24mo3.25% APY3.20%24 moStandard
30-month IRA Growth CD 4ira_cd_30mo3.25% APY3.20%30 moStandard
SaveUP Account ($500,000.01 -$1,000,000)savings3.25% APY3.25%—Standard
24-month BumpUP CD/IRA 6ira_cd_24mo3.50% APY3.44%24 moStandard
18-month Flex CD 3cd_18mo3.75% APY3.69%18 moStandard
12-month CD/IRAira_cd_12mo3.75% APY3.69%12 moStandard
18-month IRA Growth CD 4ira_cd_18mo3.75% APY3.69%18 moStandard
36-month CD/IRAira_cd_36mo3.85% APY3.78%36 moStandard
10-Month No Strings CD 5cd_10mo3.85% APY3.78%10 moStandard
48-month CD/IRAira_cd_48mo3.85% APY3.78%48 moStandard
60-month CD/IRAira_cd_60mo3.85% APY3.78%60 moStandard
9-month IRA Growth CD 4ira_cd_9mo4.00% APY3.93%9 moStandard
9-month Flex CD 3cd_9mo4.00% APY3.93%9 moStandard
9-Month Flex CD/IRAira_cd_9mo4.00% APY4.00%9 moStandard

As of August 4, 2026, Ardent Credit Union offers a 30-year fixed mortgage at 6.75% APR. Vehicle loans available from 4.99% APR for 48 months. HELOC rates from 6% APR. Personal loan rates from 10.99% APR. Credit card rates from 10.99% APR. Savings and certificate yields up to 4.00% APY.

Source: RateAPI.dev, verified from Ardent Credit Union's official website

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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. 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.

PennPenn Federal Credit Union · Philadelphia · PA · 19107About 0.4 miles awayPhiladelphiaCenter City - 1108 Chestnut · Philadelphia · PA · 19107-4802About 0.4 miles awayPolice & FireMain Office · Philadelphia · PA · 19107-2404About 0.4 miles awayAmerican HeritageMarket Street · Philadelphia · PA · 19103About 0.5 miles awayCitadelCenter City · Philadelphia · PA · 19103-4001About 0.5 miles awayTrumark FinancialCenter City Philadelphia · Philadelphia · PA · 19103About 0.5 miles away

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.

Membership via the American Consumer Council ($0)

  • AssociationAmerican Consumer Council

Cost to join: No membership fee or minimum deposit listed.

Verified from Ardent Credit Union's membership page. Final membership determination is always made by the credit union.

Work at Ardent Credit Union?

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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 August 4, 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 August 4, 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 mortgage rate?

As of August 4, 2026, Ardent Credit Union offers a 30-year fixed mortgage at 6.75% APR.

What are Ardent Credit Union's auto, rv, boat & motorcycle loan rates?

As of August 4, 2026, Ardent Credit Union offers vehicle loans from 4.99% APR.

What is Ardent Credit Union's HELOC rate?

As of August 4, 2026, Ardent Credit Union offers home equity lines of credit from 6% APR.

What is Ardent Credit Union's personal loan rate?

As of August 4, 2026, Ardent Credit Union offers personal loans from 10.99% APR.

What is Ardent Credit Union's best CD rate?

As of August 4, 2026, Ardent Credit Union offers savings and certificate (CD) yields up to 4.00% APY.

Related Rate Data

Compare Ardent Credit Union's rates against national credit-union benchmarks.

More Pennsylvania credit unionsMortgage rate benchmarkAuto loan rate benchmarkHELOC ratesPersonal loan ratesCredit card ratesHow we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

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Methodology

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

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