Ardent Federal Credit Union
Headquarters
1500 Spring Garden St
Phila, PA 19130
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2024 Overview
General Credit Union Information
Ardent is an NCUA insured institution located in Phila, PA. It was founded in 1977 and has approximately $850.68 millions in assets.
Who can join?
If you live, work, worship or attend school in Philadelphia (south of Lehigh Ave), you’re eligible for membership. The following are eligible zipcodes:
19101 19106 19122 19131 19142 19147
19102 19107 19123 19132* 19143 19148
19103 19112 19125 19133* 19145 19151
19104 19121 19130 19139 19146 19153
* areas south of Lehigh Ave
Family Eligibility:
You can also open accounts if you’re related to an existing family member. Eligible family members include parents, siblings, grandparents, spouses, children, grandchildren, stepparents, stepchildren, and stepsiblings. All members of your household (persons living under your roof) can now become Credit Union members as well! That means any person sharing a residence as part of a single-family unit, including domestic employees and others who live together as part of a family unit. An individual may be considered to be living in the same household although he or she is temporarily absent from the residence, such as children in college or the military.
Employment Eligibility:
Employees & retirees of the many Select Employer Groups (SEGs) are eligible for Sb1 membership along with their respective family members.
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 22637 |
| Date Established | 1977 |
| Assets | $850.68 million |
| Loans | $580.11 million |
| Deposits | $701.36 million |
| Capital | $86.97 million |
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.
Deposit Rates - April 24, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.05% | $2,500 | $4,999 |
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|
|
Money Market
|
0.10% | $2,500 | $2,999 |
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|
|
Money Market
|
0.10% | $10,000 | $14,999 |
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|
|
Money Market
|
0.10% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.15% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.15% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
1.00% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
1.00% | $100,000 | $199,999 |
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|
| 18 Mo CD
|
0.25% | $10,000 | $14,999 |
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|
| 18 Mo CD
|
0.25% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.25% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.25% | $100,000 | $199,999 |
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|
| 30 Mo CD
|
0.25% | $10,000 | $14,999 |
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|
| 30 Mo CD
|
0.25% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
0.25% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
0.25% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
0.25% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
0.25% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
0.25% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
0.25% | $100,000 | $199,999 |
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|
| Variable IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Var IRA
|
0.10% | $1 | $499 | Learn More |
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.01% | $1 | $99 | Learn More |
| Int Ckg
|
0.01% | $2,500 | $3,499 | Learn More |
Loan Rates - April 24, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Ardent
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 401822 |
6.806% | 6.625% | 0.88 | $6,000 | $2,049 | Learn More |
NMLS ID: 2059741 |
6.894% | 6.750% | 0.88 | $4,746 | $2,076 | Learn More |
NMLS ID: 3029 |
7.008% | 6.875% | 0.88 | $4,492 | $2,103 | Learn More |
NMLS ID: 3030 |
7.463% | 7.375% | 0.88 | $2,800 | $2,211 | Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
7.490 %
|
$0 |
Learn More
More Info |
Note to Ardent
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Branches
Below are Ardent branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
Climate Policy and Initiatives
ARDENT is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
Ardent Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Ardent. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| Ardent | U.S. Average |
|---|---|
| 4.00% | 6.97 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of December 31, 2023, Ardent had $3,300,474 in non-current loans and $268,818 in owned assets. To cover these potential losses it had $86,967,488 in net worth and $2,296,167 in loans loss reserves. That gives it a Texas Ratio of 4.00%.
Net Worth
| Ardent | U.S. Average |
|---|---|
| 10.44% | 13.62% |
Ardent FCU has a net worth of 10.44% versus the BestCashCow average of 13.62. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Ardent
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