Rates

¹A new vehicle is defined as 5,000 miles or less. A used vehicle is defined as model years covering the current calendar year and the past 9 calendar years. Used car value determined by using the current NADA retail book value; new car value determined by using, MSRP. Monthly payment example of $310.23 or $20.31 per $1,000 borrowed (including optional payment protection) is based on a new or used $15,000, 60-month auto loan, at 100% Loan to Value at a rate of 5.99% Annual Percentage Rate.

²APR = Annual Percentage Rate. APR shown reflects 0.25% discount for automatic payment from an Ardent Credit Union checking or savings account; APR is 0.25% higher without automatic payment. Rates and terms are subject to change based on market conditions and borrower’s eligibility. Ardent Credit Union has a tiered rate policy, which applies different interest rates to borrowers, based upon the borrower’s credit worthiness. Borrower must meet credit union lending guidelines. Click here for membership eligibility requirements, which apply. Auto Loans are not available in Puerto Rico.

³$15,000 minimum required.

¹A new vehicle is defined as 5,000 miles or less. A used vehicle is defined as model years covering the current calendar year and the past 7 calendar years.

²APR = Annual Percentage Rate. Ardent has a tiered loan rate policy which applies different loan rates to borrowers based upon the borrower's credit worthiness. APR shown reflects 0.25% discount for automatic payment from an Ardent Credit Union checking or savings account. APR is 0.25% higher without automatic payment. Rates are subject to change at any time. Promotional rate discounts are subject to change at any time without notice. May not be combined with any other Ardent offer.

¹APR = Annual Percentage Rate. APR is 0.25% higher without automatic payment. Ardent has a tiered loan rate policy which applies different loan rates to borrowers based upon the borrower's credit worthiness. Rates are subject to change at any time. 

²The APR for our undergraduate private education line of credit is variable and is based on the Prime index, plus a margin. The margin rate currently ranges between 3.00% and 5.00%, depending on the borrower’s or co-borrower's credit score at the time of application. The 'floor' rate for the loan will be 6.00%, meaning that your interest rate will never fall below this 'floor' rate. For student loan refinance, APR on a variable option is variable and based on the Prime index, plus a margin; for fixed-rate option, APR is fixed for the life of the loan. The rate you receive depends on your credit qualifications and the repayment term you select. Subject to credit qualification and additional criteria, including graduating from an approved school. Loans subject to approval. 

¹APR = Annual Percentage Rate. Ardent has a tiered loan rate policy which applies different loan rates to borrowers based upon the borrower's credit worthiness. Rates are subject to change at any time.

²APR = Annual Percentage Rate. On Ardent Visa® Classic, Gold and Platinum cards, for an introductory period of 12 billing cycles after you receive your credit card, the Annual Percentage Rate for purchase and balance transfer will be a lower rate than the permanent Annual Percentage Rate. After the introductory period, the permanent Annual Percentage Rate will apply to all purchase and balance transfers.

¹APR = Annual Percentage Rate. APR shown reflects 0.25% discount for automatic payment from an Ardent Credit Union checking or savings account. APR is 0.25% higher without automatic payment. Ardent has a tiered loan rate policy which applies different loan rates to borrowers based upon the borrower's credit worthiness. Rates are subject to change at any time. 

¹APR = Annual Percentage Rate. Rates are subject to change at any time.

¹Home equity loans are not available in Texas or Puerto Rico. Monthly payment of $1402.49 based on a single family, owner occupied, 4.730% APR, 80% Loan-to-Value (LTV), five-year term First Lien home equity loan for $75,000 for borrowers with excellent credit.. Monthly payment does not include taxes and insurance. This is only an example. Your rate may vary based on a number of factors, such as Loan-to-Value ratio (LTV), credit score, term and property type. Title insurance is required on loan amounts greater than $250,000. Other fees may apply based on property type and state where property is located. Certain states, such as New York and Florida, incur a tangible tax that will be paid by the borrower. Available on 1-4 family primary or secondary residences. 2-unit and 3–4-unit properties have a maximum LTV of 80% and 75%, respectively.  Property and/or flood insurance is required. All loans and lines of credit are subject to approval and collateral evaluation. The LTV ratio is the sum of the balance outstanding on your first mortgage, if any, and the amount of your new home equity loan or credit line divided by the fair market value of your home. Property must have a clean title and adequate appraisal to qualify. Per membership eligibility, you must maintain $5 in a savings account to utilize the credit union’s services. If you close your home equity line of credit within 36 months of opening, you will be required to reimburse the Credit Union for the bona fide third party fees paid on your behalf which could range from $250.00 to $2,500.00. Additional restrictions, limitations and exclusions may apply, offer subject to change, please contact an Ardent representative for further details and current rates. Equal Opportunity Lender. NMLS 498568

²APR = Annual Percentage Rate. APR includes a $199 origination fee. APR shown is for first and second lien position home equity loans, single family, owner occupied, and for a 80% or 90% Loan-to-Value (LTV) and various terms for borrowers with excellent credit. Ardent has a tiered loan rate policy which applies different loan rates to borrowers based upon the borrower's credit worthiness, Loan-to-Value (LTV), term and lien position. Rates are subject to change at any time. Other fees may apply based on property type and state where property is located. Certain states, such as New York and Florida, incur a tangible tax that will be paid by the borrower. APR effective as of date shown and is subject to change without notice. Rate reflects a 0.25% discount for loan payment via automatic funds transfer from an Ardent checking account. Otherwise, rate 0.25% higher. The rate(s) shown are the lowest available for each of terms listed. Loan subject to credit approval. Additional terms and rates available.

³Introductory rate of 6.75% APR is for the first 12 months after the loan open date. At the beginning of the 13th month, your regular rate will go into effect which is based on the value of an index (the Prime Rate published in the Wall Street Journal, currently at 7.75%). The APR will never be higher than 18.00% in a variable-rate plan. If you close your home equity line of credit within 36 months of opening, you will be required to reimburse the Credit Union for the bona fide third party fees paid on your behalf which could range from $250.00 to $2,500.00. Additional restrictions, limitations and exclusions may apply, offer subject to change, please contact an Ardent representative for further details and current rates.

¹Mortgage and Home equity loans are not available in Texas and Puerto Rico.
Payment example: for example, if you borrow $200,000 for 360 monthly payments at 6.250%, you would make monthly payments of $1,231.43 at an APR of 6.317%. This is only an example. Your rate may vary based on a number of factors, such as down payment, credit score, property value, and so forth. Monthly payment does not include taxes and insurance.

²APR = Annual Percentage Rate. Ardent has a tiered loan rate policy which applies different loan rates to borrowers based upon the borrower's credit worthiness. Rates are subject to change at any time.

¹Mortgage and Home equity loans are not available in Texas and Puerto Rico.
Payment example: for example, if you borrow $200,000 for 360 monthly payments at 6.000%, you would make monthly payments of $1,199.11 at an APR of 6.579%. This is only an example. Your rate may vary based on a number of factors, such as down payment, credit score, property value, and so forth. Monthly payment does not include taxes and insurance.

²APR = Annual Percentage Rate. Ardent has a tiered loan rate policy which applies different loan rates to borrowers based upon the borrower's credit worthiness. Rates are subject to change at any time.