Certificates of Deposits (CDs)

Power up your savings with our top-rated CD offerings, including our highly popular, high-yielding Flex CDs.

Ardent gives your money a better workout

Our CDs help strengthen your savings by providing you with different types of CDs with a variety of terms ranging from three to 60 months to suit your needs. Earn guaranteed dividends on your funds with our competitive savings rates.  You also get peace of mind knowing that all your deposits are federally insured up to the maximum allowed by law.

  • Minimum $100 initial deposit required on most terms
  • 11 different CD terms to choose from
  • Competitive rates in the region
  • No fees on minimum balance or more
  • Penalties for early withdrawal may apply

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FEATURED RATE

11-Month CD/IRA

4.25%

ANNUAL PERCENTAGE YIELD

Frequently Asked Questions

A Certificate of Deposit (CD) is a guaranteed investment product commonly sold by credit unions and banks. The financial institution expects that CD to be held for a specific amount of time, called the term. Once the CD matures, the funds can be withdrawn and interest is paid to the depositor.
 

Like a savings account, CDs pay interest. However, CDs are different in three ways:
⦁    Fixed term (typically three months to five years)
⦁    Fixed rate (typically guaranteed for the full term)
⦁    Fixed maturity date (Can’t withdraw funds without penalty prior to maturity)
 

Investing in Certificates of Deposit can be a safe and reliable alternative to investing in the stock market to help you achieve longer-term savings goals. CDs also provide a guaranteed rate of return, so you will know how much your investment will grow over time. This appeals to the risk averse, as well as those inexperienced with the stock market. Plus, Ardent CDs are federally insured by the NCUA.

CD/CD IRA2

Rates effective starting: February 28, 2025

CD MINIMUM BALANCE $100 ANNUAL PERCENTAGE YIELD1 Interest Rate
3-month CD/IRA 0.80% 0.800%
6-month CD/IRA 2.50% 2.465%
9-month Flex CD3 4.00% 3.925%
9-month IRA Growth CD4 4.00% 3.925%
11-month CD/IRA 4.25% 4.165%
12-month CD/IRA 4.10% 4.015%
18-month Flex CD3 3.80% 3.725%
18-month IRA Growth CD4 3.80% 3.725%
24-month CD/IRA 3.25% 3.200%
24-month BumpUP CD/IRA5 3.50% 3.445%
30-month IRA Growth CD4 3.25% 3.200%
30-month Flex CD3 3.25% 3.200%
36-month CD/IRA 3.25% 3.200%
48-month CD/IRA 3.25% 3.200%
60-month CD/IRA 3.25% 3.200%

1Rates are subject to change at any time without notice. Membership eligibility and requirements apply. Fees may reduce earnings.

2Deposits at Ardent are Federally Insured to $250,000 by NCUA (National Credit Union Administration) a U.S. Government Agency. CD interest is calculated by the daily balance method, which applies a daily periodic rate to the principal in the account each day. Interest is compounded and credited monthly. All Certificate interest rates are fixed for the term of the Certificate. The Annual Percentage Yield is based on the assumption that dividends will remain on deposit until maturity. Premature withdrawal will reduce earnings. 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. Any fee imposed may reduce the earnings on your account.  The dividend rates and Annual Percentage Yields may change at any time at the discretion of the Ardent Federal Credit Union Board of Directors. 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.

3Up to 50% of the Flex CD balance may be withdrawn one time over the term of the share certificate with no penalty. Minimum deposit of $100 is required, and the maximum deposit is $500,000.

4Deposits can be added up to your IRA annual limit for IRA contributions on the IRA Growth CD.

5Rate increase may be request one time during the CD term if the advertised rate for the same term increases. Rate increase must be requested via phone or in branch and will be effective the next business day.