Credit union · NCUA insured
Ardent Credit Union Savings Rates
Ardent Credit Union’s best savings rate is 0.85% APY on $10,000, with its SaveUP Account. Rates checked October 16, 2026.
How Ardent Credit Union’s savings 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
0.85%APY
- Requires
- None
- Minimum
- $5
- Earns on $10,000 a year
- $85
SaveUP Account
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
Comenity Capital Bank
4.05%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $405
Ardent Credit Union savings score
83
Savings score
Higher than 64% of U.S. banks and credit unions
- $1,000 balance$1,0000.85%
- $10,000 balance$10,0000.85%
- $100,000 balance$100,0000.85%
- QualifiedQualified0.85%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
SaveUP Account
0.85%APY
Limit one account per person. Maximum deposit of $1,000,000. No monthly service fee.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000No monthly service fee. Limit one account per person. | 0.85% | $85 | No monthly service fee. Limit one account per person. |
| $25,000 – $50,000No monthly service fee. Limit one account per person. | 0.85% | — | No monthly service fee. Limit one account per person. |
| $50,000 – $100,000No monthly service fee. Limit one account per person. | 0.85% | — | No monthly service fee. Limit one account per person. |
| $100,000 – $500,000No monthly service fee. Limit one account per person. | 1.40% | — | No monthly service fee. Limit one account per person. |
| $500,000 – $1,000,000No monthly service fee. Limit one account per person. | 3.30% | — | No monthly service fee. Limit one account per person. |
Sources (3)
All captured Oct 16, 2026
Ardent Savings
0.01%APY
Opening establishes Ardent CU membership.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.01% | $1 |
Sources (2)
All captured Oct 16, 2026
Special-purpose accounts
Stash Account
2.50%APY
Exclusively for savers age 13 to 26. Primary accountholders under age 18 require an adult co-owner on the account. No monthly service fee.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500For savers age 13-26. Adult co-owner required if under 18. No monthly service fee. | 1.50% | — | For savers age 13-26. Adult co-owner required if under 18. No monthly service fee. |
| $5,000 and upFor savers age 13-26. Adult co-owner required if under 18. No monthly service fee. | 2.50% | $250 | For savers age 13-26. Adult co-owner required if under 18. No monthly service fee. |
Sources (3)
All captured Oct 16, 2026
Rookie Account
1.00%APY
Exclusively for savers age 12 or younger. Primary accountholders under age 18 require an adult co-owner on the account. No monthly service fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceFor savers age 12 or younger. Adult co-owner required if under 18. No monthly service fee.Any balance | 1.00% | $100 | For savers age 12 or younger. Adult co-owner required if under 18. No monthly service fee. |
Sources (3)
All captured Oct 16, 2026
High-Yield Money Market
0.40%APY
IRA option available. $5,000 minimum daily balance to waive $10 monthly service fee. Up to 6 preauthorized, automatic, telephone transfers/withdrawals or transfers by check, draft, or debit card to a third party per month. Checks drawn must be for $250 or more.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5,000 and up$5,000 minimum to earn interest. $5,000 minimum daily balance to waive $10 monthly service fee.$5,000 and up | 0.40% | $40 | $5,000 minimum to earn interest. $5,000 minimum daily balance to waive $10 monthly service fee. |
Sources (2)
All captured Oct 6, 2026
Ardent Money Market
0.01%APY
IRA option available. Account access not available through ATMs or Bill Pay service. Checks drawn must be for $250 or more. Money Market interest is calculated monthly on entire balance in the tier balance falls in for that month.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Calculated monthly on entire balance in the tier the balance falls in for that month. | 0.01% | — | Calculated monthly on entire balance in the tier the balance falls in for that month. |
| $2,500 – $10,000Calculated monthly on entire balance in the tier the balance falls in for that month. | 0.01% | — | Calculated monthly on entire balance in the tier the balance falls in for that month. |
| $10,000 – $25,000Calculated monthly on entire balance in the tier the balance falls in for that month. | 0.01% | $1 | Calculated monthly on entire balance in the tier the balance falls in for that month. |
| $25,000 – $100,000Calculated monthly on entire balance in the tier the balance falls in for that month. | 0.01% | — | Calculated monthly on entire balance in the tier the balance falls in for that month. |
| $100,000 and upCalculated monthly on entire balance in the tier the balance falls in for that month. | 0.01% | — | Calculated monthly on entire balance in the tier the balance falls in for that month. |
Sources (2)
All captured Oct 6, 2026
Health Savings Account
0.01%APY
Must be an Ardent CU member currently enrolled in a High-Deductible Health Plan. No fees to open or maintain account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAvailable for members enrolled in a High-Deductible Health Plan. No monthly maintenance fee.Any balance | 0.01% | $1 | Available for members enrolled in a High-Deductible Health Plan. No monthly maintenance fee. |
Sources (3)
- ardentcu.org/bank/savings
- ardentcu.org/resources/rates
- ardentcu.org/bank/savings/health-savings-account
All captured Oct 16, 2026
Holiday/Vacation/Savings Goal Club
0.01%APY
Accounts do not have ATM access to encourage savings growth.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.01% | $1 |
Sources (3)
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.