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iAdvertiser Disclosure
Advertiser Disclosure
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 Ardent Federal Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 18, 2026
Ardent Federal Credit Union's 10-Month CD rates are at 3.85%, 10-Month No Strings CD rates are at 3.85%, 9-month Flex CD rates are at 3.80%, 9-Month Flex CD/IRA rates are at 3.80%, 9-month IRA Growth CD rates are at 3.80%. Ardent Federal Credit Union's savings rates are at 0.01%. Ardent Federal Credit Union's money market rates are at 0.01%. Ardent Federal Credit Union's 15 Year fixed rates are at 5.88%, 20 Year fixed rates are at 6.12%, 7/1 ARM rates are at 6.00%, 5/1 ARM rates are at 5.88%, 10/1 ARM rates are at 6.25%. Ardent Federal Credit Union's Personal Loan Rates are at 10.99%. 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 4.56%. Rates were last updated on 04/18/2026. 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. Ardent Federal Credit Union
Administrative Offices 1601 Cherry St
https://www.ardentcu.org Phila, PA 19102 1320 
Ardent Federal Credit Union CD Rates
Ardent Federal Credit Union 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 Student Loan Rates
Ardent Federal Credit Union Credit Card Rates
Ardent Federal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates 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
110
Part-Time Employees
1
Branch Locations
10
ATM Locations
10
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
4.56%
Return on Assets (ROA)
0.1527%
Return on Equity (ROE)
1.5239%
Non-Performing Loans Ratio (NPL)
0.70%
Total Assets
871,659,169
Total Amount of Shares and Deposits
703,724,773
Total Shares and Deposits < 1 Year
672,996,430
Total Shares and Deposits 1 3 Years
29,254,802
Total Shares and Deposits > 3 Years
1,473,541
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
78,790,505
Total Uninsured Shares and Deposits > $250K (F+J)
78,790,505
Total Insured Shares and Deposits > $250K (item 17 less item K)
624,934,268
Total Interest Expense (Sum of items 6 8)
13,659,042
Share Certificates
7,838
Number of Accounts for Share Drafts
22,301
IRA KEOGH Accounts
1,167
Number of Accounts for Regular Shares
41,614
All other shares
377
Money Market Shares
2,065
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
96,027,788
Total Liabilities
792,900,207
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Ardent Federal Credit UnionIs Ardent Federal Credit Union a safe place to deposit money?Yes, Ardent Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 4.5632344857321%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. 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
Retrieved from our database of financial products. Rates subject to change.
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