Credit union · NCUA insured
Ardent Credit Union CD Rates
Ardent Credit Union’s best CD rate is 4.05% APY on a 2-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Ardent Credit Union’s CD rates compare
Compared with banks and credit unions near Philadelphia, PA-NJ-DE-MD, where Ardent Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Ardent Credit Union
4.05%APY
- Term
- 24 months
- Requires
- None
- Minimum
- $100
- Earns on $10,000
- $826
Certificate
Top rate
Monroe Savings Bank (Williamstown, NJ)
5.00%APY
- Term
- 6 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $247
2nd-highest rate
First Financial Federal Credit Union
5.00%APY
- Term
- 7 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $289
Ardent Credit Union CD score
87
CD score
Higher than 77% of U.S. banks and credit unions
- 3–8 months3–8 mo2.50%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo4.05%
- 31–60 months31–60 mo3.85%
- QualifiedQualified4.05%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Ardent Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Certificate
Up to 4.05%APY · 7 terms
Membership eligibility and requirements apply. Fees may reduce earnings. Certificate interest is calculated by the daily balance method, which applies a daily periodic rate to the principal in the account each day. Interest is compounded and credited monthly. Fixed interest rates for the term of the Certificate. Early withdrawal penalty applies (smaller of interest since issuance/renewal or 180 days of interest). Unless otherwise stated, certificates automatically renew at maturity to the rate effective at that time. Minimum balance / opening minimum is $100.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 0.80% | $20 |
| 6 months | 2.50% | $124 |
| 12 months | 3.75% | $375 |
| 24 months | 4.05% | $826 |
| 36 months | 3.85% | $1,200 |
| 48 months | 3.85% | $1,631 |
| 60 months | 3.85% | $2,079 |
Sources (1)
- ardentcu.org/bank/savings/certificates-of-deposits · captured Oct 16, 2026
Flex Certificate
Up to 4.00%APY · 3 terms
Up to 50% of the Flex Certificate balance may be withdrawn one time over the term of the Certificate with no penalty. Subsequent withdrawals or withdrawals in excess of 50% are subject to early withdrawal penalties. Minimum deposit to open is $100; maximum deposit is $500,000. Additional funds up to the maximum deposit can be added at any time during the term. Automatically renews at maturity to the rate in effect at that time.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 9 months | 4.00% | $299 |
| 18 months | 3.75% | $568 |
| 30 months | 3.25% | $832 |
Sources (2)
All captured Sep 17, 2026
Special-purpose accounts
Certificate IRA
Up to 4.05%APY · 7 terms
Membership eligibility and requirements apply. Fees may reduce earnings. Certificate interest is calculated by the daily balance method, which applies a daily periodic rate to the principal in the account each day. Interest is compounded and credited monthly. Fixed interest rates for the term of the Certificate. Early withdrawal penalty applies (smaller of interest since issuance/renewal or 180 days of interest). Unless otherwise stated, certificates automatically renew at maturity to the rate effective at that time. Minimum balance / opening minimum is $100.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 0.80% | $20 |
| 6 months | 2.50% | $124 |
| 12 months | 3.75% | $375 |
| 24 months | 4.05% | $826 |
| 36 months | 3.85% | $1,200 |
| 48 months | 3.85% | $1,631 |
| 60 months | 3.85% | $2,079 |
Sources (1)
- ardentcu.org/bank/savings/certificates-of-deposits · captured Oct 16, 2026
IRA Growth Certificate
Up to 4.00%APY · 3 terms
Funds can be added up to your Growth Certificate up to your annual limit for IRA contributions. Minimum deposit to open is $100. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 9 months | 4.00% | $299 |
| 18 months | 3.75% | $568 |
| 30 months | 3.25% | $832 |
Sources (1)
- ardentcu.org/resources/rates · captured Sep 17, 2026
BumpUP Certificate
3.50%APY · 1 term
Rate increase may be requested one time during the Certificate term if the advertised rate for the same term increases; effective next business day. Minimum deposit $100, maximum deposit $500,000. IRA eligible. Renews as a 24-Month BumpUP Certificate at market rate at maturity unless otherwise requested.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 monthsEligible for 1 rate bump during the 24-month term if advertised rates rise | 3.50% | $712 |
Sources (2)
All captured Oct 16, 2026
BumpUP Certificate IRA
3.50%APY · 1 term
Rate increase may be requested one time during the Certificate term if the advertised rate for the same term increases; effective next business day. Minimum deposit $100, maximum deposit $500,000. IRA eligible. Renews as a 24-Month BumpUP Certificate at market rate at maturity unless otherwise requested.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 monthsEligible for 1 rate bump during the 24-month term if advertised rates rise | 3.50% | $712 |
Sources (2)
All captured Oct 16, 2026
Who can join Ardent Credit Union
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.
Membership information collected October 5, 2026.