Savings

Rates effective starting: 03.27.23
Product Minimum to Open Annual Percentage Yield1 Interest Rate
Ardent Savings $5.00 0.05% 0.05%
Business Savings Account (up to $250,000) $5.00 0.05% 0.05%
Business Savings Account (over $250,000) $5.00 0.05% 0.05%
Holiday/Vacation/Savings Club $5.00 0.05% 0.05%
Health Savings Account $0.00 0.05% 0.05%
Rookie Account– ages 0-12 $5.00 1.00% 0.995%
Stash Account – ages 13-26 (up to $2500) $5.00 1.50% 1.485%
Stash Account– ages 13-26 (up to $5000) $5.00 2.00% 1.980%
Stash Account– ages 13-26 (over $5000) $5.00 2.50% 2.465%
SaveUP Account ($0-$25,000.00) $5,000.00 2.50% 2.465%
SaveUP Account ($25,000.01-$50,000.00) $5,000.00 2.50% 2.465%
SaveUP Account ($50,000.01-$100,000.00) $5,000.00 2.75% 2.715%
SaveUP Account ($100,000.01-$500,000.00) $5,000.00 3.00% 2.955%
SaveUP Account ($500,000.01 -$1,000,000) $5,000.00 3.25% 3.200%

Checking

Rates effective starting: 03.27.23
Product Minimum to Open Annual Percentage Yield1 Interest Rate
Free High-Yield Checking Account (up to $25,000) See full benefits $0.00 1.00% 0.995%
Free High-Yield Checking Account (over $25,000) See full benefits $0.00 0.10% 0.10%
Cashback Checking $0.00 0.00% 0.00%
Free Basic Checking Account $0.00 0.01% 0.01%
Cash Account – ages 13-26 $5.00 0.00% 0.00%

Money Market / Money Market IRA

Rates effective starting: 03.27.23
Tier Balance Annual Percentage Yield1 Interest Rate
High-Yield Money Market2 ($5,000 minimum to earn interest) 1.00% 0.995%
Ardent Money Market3 ($0.00 to $2,499.99) 0.10% 0.10%
Ardent Money Market3 ($2,500 - $9,999.99) 0.10% 0.10%
Ardent Money Market3 ($10,000 - $24,999.99) 0.10% 0.10%
Ardent Money Market3 ($25,000 - $99,999.99) 0.10% 0.10%
Ardent Money Market3 ($100,000 and up) 0.10% 0.10%

CD/CD IRA2

Rates effective starting: 03.27.23
CD Minimum Balance $100 Annual Percentage Yield1 Interest Rate
3-month CD/IRA 1.000% 0.995%
6-month CD/IRA 3.00% 2.955%
12-month CD/IRA 3.50% 3.445%
15-month CD/IRA3 4.50% 4.405%
18-month Flex CD4 3.75% 3.685%
18-month IRA Growth CD5 3.75% 3.685%
24-month CD/IRA 3.85% 3.775%
30-month IRA Growth CD5 4.00% 3.925%
30-month Flex CD4 4.00% 3.925%
36-month CD/IRA 4.00% 3.925%
48-month CD/IRA 4.00% 3.925%
60-month CD/IRA 4.00% 3.925%

Car

Rates effective starting: 03.27.23
Product1 APR (As low as)2 Maximum term Monthly Cost
per $1,000
New Auto 5.99% 48 months $23.48
New Auto 5.99% 66 months $17.83
New Auto 6.24% 75 months $16.14
New Auto 6.99% 84 months3 $15.09
Used Auto (2013 or newer) 5.99% 48 months $23.48
Used Auto (2015 or newer) 5.99% 66 months $17.83
Used Auto (2016 or newer) 6.24% 75 months $16.14
Used Auto (2019 or newer) 6.99% 84 months3 $15.09
Classic Auto 7.24% 60 months $19.92
SMART Auto 8.64% 10 years $12.48

Boat/Watercraft, RV, Motorcycle

Rates effective starting: 03.27.23
Product1 APR (As low as)2 Maximum term Monthly Cost
per $1,000
New Motorcycle 6.24% 60 months $19.45
Used Motorcycle 7.24% 60 months $19.92
New Boat/Watercraft 6.49% 60 months $19.56
Used Boat/Watercraft 6.74% 60 months $19.68
New/Used Motor Home 8.74% 180 months $9.99
New/Used Travel Trailer 8.24% 144 months $10.96

Student Loans and Refinancing

Rates effective starting: 03.27.23
Product APR1 Maximum term Monthly Cost
(per $1,000)
Student Loan (Undergraduate) As low as 10.50%2
Student Loan Refinance (Variable) 5.74% - 8.74% 5 years $19.31 – $20.79
Student Loan Refinance (Variable) 6.89% - 9.39% 10 years $11.63 – $12.99
Student Loan Refinance (Variable) 7.14% - 9.64% 15 years $9.13 – $10.62
Student Loan Refinance (Fixed) 5.99% - 8.99% 5 years $19.43- $20.91
Student Loan Refinance (Fixed) 7.14% -9.64% 10 years $11.76 – $13.13
Student Loan Refinance (Fixed) 7.39% - 9.89% 15 years $9.27 – $10.77

Credit Cards

Rates effective starting: 03.27.23
Product APR1
VISA Platinum Card As low as 10.88% fixed2
VISA Gold Card As low as 10.96% fixed2
VISA Classic Card As low as 9.99% fixed2

Personal Loans and Lines

Rates effective starting: 03.27.23
Loan Type APR1 Maximum Term Monthly Cost
Per $1,000
Personal Loan (as low as) 8.99% 60 months $20.77
Personal Loan (as low as) 9.24% 72 months $18.16
QuickCA$H Line-of-Credit 12.25%
Share Secured Ardent Savings Rate +1.5% 120 months Varies
Certificate Secured Certificate Rate +1.5% 120 months Varies

Lend-a-Paw Line-of-Credit

Rates effective starting: 03.27.23
Product APR1
Lend-a-Paw Line of Credit 9.99% APR

Home Equity Loans and Lines

Rates effective starting: 03.27.23
Loan Type1 Loan to Value Rates (as low as) Annual Percentage Rate2
(as low as)
Maximum Term Monthly Cost
per $10,000
First Lien Home Equity up to 80% 6.125% 6.2360% 5 years $193.97
First Lien Home Equity up to 80% 6.500% 6.5590% 10 years $113.60
First Lien Home Equity up to 80% 6.625% 6.6670% 15 years $87.85
Home Equity Fixed Rate up to 80% 7.000% 7.1120% 5 years $198.09
Home Equity Fixed Rate up to 80% 7.375% 7.4650% 10 years $118.11
Home Equity Fixed Rate up to 80% 7.500% 7.5430% 15 years $92.76
Fixed-Rate Home Equity Line-of-Credit up to 85% as low as 7.50% 20 years $100.00
Home Equity Line-of-Credit (Variable at Prime) up to 85% as low as 7.25%3 20 years $108.00
First Lien Home Equity 80.01% to 90% 6.250% 6.3610% 5 years $194.56
First Lien Home Equity 80.01% to 90% 6.625% 6.6840% 10 years $114.24
First Lien Home Equity 80.01% to 90% 6.750% 6.7920% 15 years $88.54
Home Equity Fixed Rate 80.01% to 90% 7.250% 7.3620% 5 years $199.27
Home Equity Fixed Rate 80.01% to 90% 7.500% 7.5600% 10 years $118.76
Home Equity Fixed Rate 80.01% to 90% 7.875% 7.9190% 15 years $94.91

Fixed-Rate Mortgage

Rates effective starting: 03.27.23
Loan Type1 Rates
(as low as)
Points APR2 Monthly Cost
per $10,000
30 Year fixed 6.875% 0.000% 6.943% $65.69
20 Year fixed 6.625% 0.000% 6.731% $75.30
15 Year fixed 6.375% 0.000% 6.468% $86.43

Adjustable-Rate Mortgages

Rates effective starting: 03.27.23
Loan Type1 Rates
(as low as)
Points APR2 Monthly Cost
per $10,000
3/1 ARM 6.000% 0.000% 7.442% $59.95
5/1 ARM 6.250% 0.000% 7.282% $61.57
5/5 ARM 6.500% 0.000% 6.948% $63.21
7/1 ARM 6.500% 0.000% 7.222% $63.21
10/1 ARM 6.750% 0.000% 7.194% $64.86