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 7 locations. Ardent Credit Union has an A+ health rating.

Field of Membership Restrictions

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

Related Posts

Ardent Credit Union (PA) Has 13-Month No-Penalty CD, 2.35% APY - 8/7/2019

Ardent Credit Union (SE PA) has a 13-month No-Penalty CD (2.35% APY) with a penalty-free early closure. Min $100/max $500k deposit of new money. One per membership.

Ardent Credit Union (PA) Has 9-Month CD (4.00% APY) Thru 7/3/2019 - 6/29/2019

Ardent Credit Union (SE PA) has a 9-month CD (4.00% APY) now through July 3, 2019. $100 min/$25k max deposit of new money. Must be opened at new Center City branch.

Philadelphia (Center City Branch Only), 4.00% APY 9-Month CD/IRA Promo - 6/27/2019

Only available at the new branch at 1801 Market St. $100 minimum, $25,000 maximum. Good through July 3, 2019 (per email received today). Details:

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Reviews (3)

Best Credit Union - I'm So Glad That I Am A Member

Posted by: DianaC | Aug 4, 2019

I am posting this review, because I saw "unbiasedreview"'s comments and they totally contradict how great Ardent Credit Union is. I mean, why belong to a credit union for 20 years, if you think it so awful?! I have been a member since 1994 (over 25 years) and out of the 4 credit unions that I belong to, it is the best one! In fact, I live in a different state and I use it as my primary credit union, because the products and customer service are so superior. I have a KASASA cash-back checking account, which gives me VISA reward points on my debit card, up to $8 cashback each month in my checking account, and up to $25 ATM rebates on foreign ATM use. Also, all their checking accounts are free with no monthly fees. I love that on their 3-month share certificates, they have an affordable $100 minimum so you can sock away money easily. I also like their FLEX certificates which allow you to add as much you want to them at a competitive rate and you can withdraw once no-penalty. I have both a VISA gold and platinum credit card and both have low FIXED APRs. No one does fixed APRs anymore on credit cards, but Ardent does. I love this, as I have had the same APR since 1996 when I first opened my credit cards. Also, when I fell into financial difficulty about five years ago, out of my 4 credit unions, ONLY Ardent was willing to extend me a personal loan, which I am faithfully paying off this month. Only Ardent has been willing to work with me on my credit situation--this is great customer service when you need it. Also, the internal online banking system is very easy to use and has the best interface out of the 4 credit unions that I belong to. Also, Ardent is quick to respond to my emails through the internal system (within 24 hours). There is so much that could I say about how great this credit union is. I am grateful to be able to be a member.

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
  User-submitted Promotions & Notices

This section lists recent deals, promotions and rate changes submitted by our community within the past 90 days. Always verify official rates and promotions with the bank or credit union.

Philadelphia (Center City Branch Only), 4.00% APY 9-Month CD/IRA Promo

edinperk   |  
Only available at the new branch at 1801 Market St. $100 minimum, $25,000 maximum. Good through July 3, 2019 (per email received today).


Rates for Ardent Credit Union are currently being reviewed.


Ardent Credit Union Locations
Branch Office3900 Woodland AvePhiladelphia, PA 19104
Branch Office1500 Spring Garden StPhiladelphia, 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
Branch Office1801 Market StPhiladelphia, PA 19103

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