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Ardent Credit Union

Overview / Commentary
1500 Spring Garden St
Philadelphia, PA 19130

Ardent Credit Union is headquartered in Phila and is the 13th largest credit union in the state of Pennsylvania. It is also the 441st largest credit union in the nation. It was established in 1977 and as of March of 2019, it had grown to 108 employees and 34,706 members at 6 locations. Ardent Credit Union's money market rates are 5X the national average, and it boasts an A+ health rating.

Field of Membership Restrictions

Membership is open to those who live, work, worship, volunteer or attend school in Philadelphia, Bucks, Chester, Delaware, and Montgomery counties. Immediate family of existing members are also eligible.
See current membership details

Related Posts

Ardent raises High-Yield Money Market rate to 1.75% (PA) - 8/3/2018

-Earn 1.75% APY on balances of $5,000 or more -$5,000 minimum daily balance to waive $10 monthly service fee -Open with a minimum balance of $5,000 -No maximum balance -IRA option available

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Reviews (2)

A credit union that values its customers

Posted by: Julia14 | Oct 12, 2014

Sb1 is a fantastic credit union that provides a wide range of services for its customers. It has helped me learn how to be a financially independent young adult and enables me to continually manage my finances successfully, providing excellent rates on CDs and mutual funds as well as competitive mortgage rates. They're also great for low-interest loans and wire transfers, and their customer service can't be beat. I've enjoyed interacting with their marketing team on a more regular basis now that they've popped up on Facebook and post insightful articles that keep me up-to-date on the world of finance.

Probably One Of The Worse Credit Unions

Been a member for over 20 years - so this review carries some credibility. I have seen this credit union change for the worse over the years. Quite frankly, their policies are unfriendly and they have evolved into a big, impersonal bank like experience. There is a lack of consistency among the poorly trained customer service staff. They outsource their website, their financial transactions, etc ... and you do not save on much like you would expect from a credit union. Their fees are worse than or no different than some big banks. They are unprofessional, immature, and dishonest as well as condescending on the phone. They care more about themselves than their customers. Most of their programs are worse then what you could find at any big bank. I have seen many better credit unions - I highly recommend to put your money somewhere else - this credit union experience is definitely on the decline.


Health Grade Components

NCUA #22637
Year Chartered1977
Primary Regulator
Profit Margin
Return on Assets - YTD0.39%
Return on Equity - YTD3.63%
Annual Interest Income$6.2MM
Assets and Liabilities
AssetsQ1 2019vs Q1 2018$693.4MM$657.1MM
LoansQ1 2019vs Q1 2018$466.9MM$440.9MM
DepositsQ1 2019vs Q1 2018$617.7MM$576.1MM
Equity CapitalQ1 2019vs Q1 2018$73.0MM$67.7MM
Loan Loss AllowanceQ1 2019vs Q1 2018$3.3MM$3.8MM
Unbacked Noncurrent LoansQ1 2019vs Q1 2018$2.3MM$4.9MM
Real Estate OwnedQ1 2019vs Q1 2018$238.00K$352.00K
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Always verify rates and promotions with the bank or credit union. We are not Ardent Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Ardent Credit Union Savings Account Rates

2.00%*$5k*-Stash Account
OTHER TIERS: 1.00% $5 - $2.5k | 1.50% $2.5k - $5k
1.00%*$5$250kBusiness Savings Account
OTHER TIERS: 0.10% $250k+
1.00%$5-Rookie Account
0.25%--Health Savings Account
0.10%$5-Ardent Savings
0.10%$5-Holiday Club
0.10%$5-Vacation Club

Ardent Credit Union Money Market Rates

2.00%$5k-High-Yield Money Market (New Money)
0.20%*$100k*-Money Market
OTHER TIERS: 0.10% Up to $25k | 0.15% $25k - $100k
0.20%*$100k*-Money Market IRA
OTHER TIERS: 0.10% Up to $25k | 0.15% $25k - $100k

Ardent Credit Union Checking Account Rates

1.00%*-$25kKasasa Cash
OTHER TIERS: 0.25% $25k+
0.05%--Free Basic Checking Account

Ardent Credit Union CD Rates

2.75%$100-12 Month CD
2.25%$100-24 Month CD
2.25%$100-36 Month CD
2.25%$100-48 Month CD
2.25%$100-60 Month CD
2.25%$100$500k30 Month Flex CD
2.25%$100$500k18 Month Flex CD
1.50%$100-6 Month CD
1.00%$100-3 Month CD

Ardent Credit Union IRA Rates

2.75%$100-12 Month IRA
2.25%$100-24 Month IRA
2.25%$100-36 Month IRA
2.25%$100-48 Month IRA
2.25%$100-60 Month IRA
2.25%$100-30 Month IRA Growth CD (New Money)
2.25%$100-18 Month IRA Growth CD (New Money)
1.50%$100-6 Month IRA
1.00%$100-3 Month IRA

Ardent Credit Union Locations
Branch Office3900 Woodland AvePhila, PA 19104
Branch Office1500 Spring Garden StPhila, PA 19130
Branch Office1250 S Collegeville RdCollegeville, PA 19426-2990
Branch Office110 Black Rock RdPhoenixville, PA 19460-3161
Branch Office5 Crescent DrPhiladelphia, PA 19112
Branch Office1301 Skippack PikeBlue Bell, PA 19422

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