Ardent Credit Union Ups Long-Term CD Rates


Deal Summary: CDs – 60-month (1.50% APY) and 48-month (1.25% APY), $100 minimum deposit.

Availability: Residents of the Pennsylvania counties of Bucks, Chester, Delaware, Montgomery, and Philadelphia.

Ardent Credit Union (Ardent) recently raised the rates on its 48-month CD and 60-month CD to competitive levels. Following significant increases of 35 and 50 bps, the 48-month CD now earns 1.25 APY, with the 60-month CD earning 1.50% APY. The minimum opening deposit is only $100, with no stated balance cap.

1.50%$100-Ardent Credit Union60 Month CD
1.25%$100-Ardent Credit Union48 Month CD
Rates as of January 24, 2022.

Both CDs are offered as IRA CDs (Traditional, Roth), earning the same APYs with the same low $100 opening deposit.

As stated in the fine print on the Rates page, the Early Withdrawal Penalty reads as follows,

A SUBSTANTIAL PENALTY IS IMPOSED if certificate funds other than interest are withdrawn before the maturity date. The penalty is equal to the smaller of the following two amounts: interest since the date of issuance or renewal or an amount equal to 180 days of interest on the amount withdrawn.

The Credit Union reserves the right to require members to give, in writing, not more than 60 days notice of intention to withdraw the whole or any part of the amounts so paid in by them except for those amounts paid into Checking Accounts.


Headquartered in Philadelphia, Ardent Credit Union’s field of membership (FOM) is community-based, with individuals who live, work, worship, attend school, or volunteer in the southeast Pennsylvania counties of Bucks, Chester, Delaware, Montgomery, or Philadelphia, eligible to join.

Relatives of current Ardent CU members also qualify for membership. In this instance, relatives are defined as “parent, sibling, grandparent, spouse, child, grandchild, stepparent, stepchild or stepsibling.” Household members (any person sharing a residence as part of a single-family unit) are also eligible for membership.

Joining Ardent and/or opening a CD can be done online, or at any of six Pennsylvania branches located in Blue Bell, Philadelphia (3), Phoenixville, and Wayne. Note: access to two of the branch locations (the Philadelphia Navy Yard and Collegeville) is restricted to GSK employees only.

All Memberships are required to have an open Ardent Savings account
with a minimum balance of $5.00 to be a member in good standing.

If you’re considering joining by visiting a branch, the Membership Application is available for download.

Ardent members have access to more than 5,600 Shared Branches and 30,000 fee-free CO-OP ATMs.

We are part of a great Shared Branch community. With locations
everywhere you can always stay part of the Ardent Credit Union family.

Credit Union Overview

Ardent Credit Union has an overall health grade of "A" at, with a Texas Ratio of 1.81% (excellent), based on June 30, 2021 data. In the past year, Ardent has increased its total non-brokered deposits by $7.52 million, an above average annual growth rate of 1.05%. Please refer to our financial overview of Ardent Credit Union (NCUA Charter # 22637) for more details.

Ardent Credit Union was established in 1977 as the Sb1 Federal Credit Union for the benefit of GlaxoSmithKline employees. Ardent is currently Pennsylvania’s 16th largest credit union, with more than 36,600 members and assets in excess of $805 million. The Arden re-brand occurred five years ago, and according to a May 2016 CU Insight press release,

”Ardent is a name that’s about passion”, says Rob Werner, President/CEO of Sb1 Federal
Credit Union. “It reflects our spirit and drive to serve our members and connects us to our
proud Philadelphia roots. The name Ardent stands for everything banking should be—passionate, caring, and intensely devoted to the people we serve.

How the CDs Compare

When compared to the similar length-of-term CDs tracked by, which require a similar minimum deposit and are available within the FOM, Ardent Credit Union's 5-year CD APY currently ranks first.

When compared to the similar length-of-term CDs tracked by, which require a minimum deposit of $10k or less and are available within the FOM, Ardent Credit Union's 4-year CD APY currently ranks third.

The above information and rates are accurate as of 12/3/2021.

To search for the best CD rates, both nationwide and state specific, please refer to the CD rates section of

Related Pages: Philadelphia CD rates, 5-year CD rates

Ardent Credit Union (PA) Has 13-Month No-Penalty CD - Expired
Update 8/21/20: This special has EXPIRED. The 13-month No-Penalty CD that had a 2.35% APY is no longer available. This article remains for historical purposes.

Deal Summary: 13-month No-Penalty CD, 2.35% APY, $100 min/$500k max deposit, new money, one per membership.

Availability: Residents of Bucks, Chester, Delaware, Montgomery, and Philadelphia Counties, Pennsylvania.

Ardent Credit Union (Ardent) is currently offering a 13-month No-Penalty CD, earning 2.35% APY. The minimum opening deposit is $100 of new money (funds on deposit at Ardent for 30 days or less) and is capped at...

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Ardent Credit Union (PA) Has 9-Month CD (4.00% APY) - Expired
Update 8/21/20: This 9-month CD Special has expired.

Deal Summary: 9-month CD, 4.00% APY, $100 min/$25k max deposit, new money, available through July 3, 2019, only at new Center City Philadelphia branch.

Availability: Residents of Bucks, Chester, Delaware, Montgomery, and Philadelphia Counties, Pennsylvania.

In celebration of its new Center City Philadelphia branch, Ardent Credit Union (Ardent) has a couple of limited-time offers that can only be opened at the Center City branch. Now through July 3, 2019, Ardent is offering a 9-month CD/IRA earning 4.00% APY. The minimum...

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Ardent CU (PA) Has Limited-Time 30-Month Flex CD

UPDATE 10/31/2016: Ardent Credit Union has announced today that it will offer its 30-month Flex CD through November 15, 2016.

Availability: Residents of Bucks, Chester, Delaware, Montgomery, and Philadelphia Counties, Pennsylvania.

Now through October 31 November 15, 2016, Ardent Credit Union (Ardent CU) is offering an increased rates on its 30-month Flex CD (2.00% APY). This limited-time offer requires a minimum opening deposit of $100 and is capped at $500k; all funds must be new money.

Besides having a competitive rate, the 30-month Flex CD also allows funds (new...

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5.00% 36-Month CD at a Pennsylvania Credit Union (Sb1 FCU)
Sb1 Federal Credit Union is offering a special certificate with a yield of 5.00% APY and a term of 36 months. The minimum deposit is $500. The yield is 5.25% APY for a $99,000 minimum deposit.

Membership is primarily based on Select Employer Groups. Please refer to the credit union's Membership Page for the full details. Membership requires a minimum balance of $5 in your share savings account.

Publicly available branches are located in Philadelphia and King of Prussia. The credit union is federally insured by the NCUA (Charter # 22637).

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The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.