Credit union · NCUA insured
Ardent Credit Union
A $931.3M credit union headquartered in Phila, PA, with 34,159 members and 10 branches in Pennsylvania. Best rates: CDs 4.05% and savings 0.85% APY.
Ardent Credit Union Carrot Score
83
Carrot Score
Higher than 63% of U.S. banks and credit unions
#33 of 118 in Philadelphia, PA-NJ-DE-MD metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Ardent Credit Union
Ardent Credit Union is a member-owned financial cooperative headquartered in Philadelphia that serves members nationwide, with branch locations in Philadelphia, Montgomery, Delaware, and Chester Counties.
Founded in 1977 by employees of the SmithKline Corporation, the credit union later changed its name from Sb1 to Ardent.
- Headquarters
- 1601 Cherry St, Ste 2000, Phila, PA 19102-1320
- NCUA charter
- 22637
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Prospective members anywhere in the country can join Ardent Credit Union by enrolling in the American Consumer Council (ACC), with enrollment facilitated by Ardent at no cost during account opening.
Employers and groups
- Employees of Ardent's Select Employee Group (SEG) partner organizations are eligible for membership.
Family and household
- Individuals are eligible for membership through qualifying immediate family or household members.
Branches
10 branches in Pennsylvania
Loading map…
Pennsylvania
10 branches
- Administrative OfficesMain office1601 Cherry St, Ste 2000, Phila, PA 19102Directions
- Blue Bell1301 Skippack Pike, Blue Bell, PA 19422Directions
- Upper Providence1250 S Collegeville Rd, Collegeville, PA 19426Directions
- Havertown160 W Eagle Rd, Havertown, PA 19083Directions
- King of Prussia110 Town Square Pl, King of Prussia, PA 19406Directions
- Va3900 Woodland Ave, Phila, PA 19104Directions
- Center City1801 Market St, Philadelphia, PA 19103Directions
- Spring Garden1500 Spring Garden St, Philadelphia, PA 19130Directions
- Oaks110 Black Rock Rd, Phoenixville, PA 19460Directions
- Wayne516 Lancaster Ave, Wayne, PA 19087Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 10.11% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.53% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.23% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $76 | $76 | — |
- CapitalNet worth ratio10.11%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.53%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.23%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$76Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Ardent Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.