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New Membership

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Eligibility
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Welcome and thank you for choosing Ardent Credit Union where Grit Makes Great!

We welcome anyone who lives, works, worships, goes to school, or volunteers in Bucks, Chester, Delaware, Montgomery and Philadelphia counties and family members of existing members to apply.
 

Here is what you will need to get started:

• About 10 minutes to complete.
• Valid form of government identification including U.S. Driver’s license, U.S. Passport, or military ID for the applicant AND joint applicant if any.
• Account Funding information for new account which could include existing Ardent account number, account and routing number from another financial institution or a credit/debit card.
• Additional documentation may be required to complete your application.
 

What You Can Expect in this Process:

• Once your application is received you will hear from us within 2 business days.
• We’ve made signing your application easy. Look for an email where you can sign right from your mobile device or personal computer.
U.S.A. PATRIOT ACT IDENTITY VERIFICATION NOTICE
Important Information About Procedures for Opening a New Account
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.
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Required Products
Select at least one of the following products required for membership
Ardent Savings (Required)

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APY: 0.05% Min Deposit: $5.00 Max Deposit: $5,000.00


You may select one of the following products
Available Products
HIGH YIELD MONEY MARKET

Earn more with the High-Yield Money Market, which pays a great rate. Balances of $5,000 or more earn interest and avoid the monthly service fee of $10. Transfer or withdraw from the account up to six times a month. Open with a minimum of $5,000.

APY: 0.25% Min Deposit: $5,000.00

Money Market

A tiered rate checking account, the Ardent Money Market is versatile, allowing you to transfer or withdraw from the account up to six times a month. You’ll earn interest on balances of $1.00 or more at a tiered rate based on set monthly balance timelines. It offers free checks and no monthly fee.

Max APY: 0.10% Min Deposit: $1.00 Max Deposit: $99,999.99

Holiday Club

The Ardent Holiday Club account allows you to set aside a certain amount of money every week or month for holiday spending, while earning a competitive yield.

APY: 0.05% Min Deposit: $5.00

Vacation Club

The Ardent Vacation Club account allows you to set aside a certain amount of money every week or month for vacation plans, while earning a competitive yield.

APY: 0.05% Min Deposit: $5.00

Savings Goal Club

The Savings Goal Club account allows you to set aside a certain amount of money every week or month separate from your Ardent Savings account, while earning a competitive yield.

APY: 0.05% Min Deposit: $5.00

CashBack Checking Account

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APY: -- Min Deposit: $5.00

High Yield Checking Account

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APY: 1.00% Min Deposit: $5.00

Free Basic Checking

Ardent's Free Basic Checking Account allows you to earn interest on your daily balances with no minimum balance requirements, no monthly service charges, no per check charges, and more.

APY: 0.01% Min Deposit: $5.00 Max Deposit: $250,000.00

Flex 30-Month CD

The Ardent Flex 30-Month CD offers competitive yields for the term of the CD. Dividends are calculated on a daily periodic rate. It features a one-time, penalty-free withdrawal of up to 50% of its balance during the certificate's term. A $100 minimum deposit is required.

APY: 0.75% Min Deposit: $100.00 Max Deposit: $98,999.99

18-Month Flex CD

The Ardent 18-Month Flex CD offers competitive yields for the term of the CD. Dividends are calculated on a daily periodic rate. It features a one-time, penalty-free withdrawal of up to 50% of its balance during the certificate's term. A $100 minimum deposit is required.

APY: 0.50% Min Deposit: $100.00

60-Month CD

The Ardent 60-Month CD offers competitive yields for the term of the share certificate. It features no fees on balances of $100 or more and dividends are calculated on a daily periodic rate.

APY: 1.50% Min Deposit: $100.00

3-Month CD

The Ardent 3-Month CD offers competitive yields for the term of the share certificate. It features no fees on balances of $100 or more and dividends are calculated on a daily periodic rate.

APY: 0.25% Min Deposit: $100.00

6-Month CD

The Ardent 6-Month CD offers competitive yields for the term of the CD. It features no fees on balances of $100 or more and dividends are calculated on a daily periodic rate.

APY: 0.25% Min Deposit: $100.00

12-Month CD

The Ardent 12-Month CD offers competitive yields for term of the CD. It features no fees on balances of $100 or more, and dividends are calculated on a daily basis.

APY: 0.55% Min Deposit: $100.00

24-Month CD

The Ardent 24-Month CD offers competitive yields for the term of the CD. It features no fees on balances of $100 or more and dividends are calculated on a daily periodic rate.

APY: 0.75% Min Deposit: $100.00

36-Month CD

The Ardent 36-Month CD offers competitive yields for the term of the CD. It features no fees on balances of $100 or more and dividends are calculated on a daily periodic rate.

APY: 1.00% Min Deposit: $100.00

48-Month CD

The Ardent 48-Month CD offers competitive yields for the term of the CD. It features no fees on balances of $100 or more and dividends are calculated on a daily periodic rate.

APY: 1.25% Min Deposit: $100.00

IRA Money Market

The Ardent IRA Money Market earns interest on balances, based on set monthly balance timelines. Rate is based on daily balance. The account offers no monthly fee.

Max APY: 0.10% Min Deposit: $5.00 Max Deposit: $99,999.99

30-Month IRA Growth CD

The Ardent 30-Month IRA Growth CD gives you the chance to add to your IRA any time, up to the IRA annual limit. Offer is good on money that was not saved at the credit union previously. Features no fees on balances of $100 or more, competitive yields for a specific period, and dividends calculated on a daily periodic rate.The Ardent 30-Month IRA Growth CD allows you to add to your IRA any time, up to your allowable IRA annual limit. There are no fees on balances of $500 or more, features competitive yields for the term of the CD, and dividends are calculated on a daily periodic rate.

APY: 0.25% Min Deposit: $100.00 Max Deposit: $98,999.99

18-Month Growth IRA CD

The Ardent 18-Month Growth IRA CD offers competitive yields for term of the CD. There are no fees on balances of $100 or more and dividends are calculated on a daily periodic rate.

APY: 0.25% Min Deposit: $100.00 Max Deposit: $98,999.00

3-Month IRA CD

The Ardent 3-Month IRA CD offers competitive yields for tem of the CD. There are no fees on balances of $100 or more, and dividends are calculated on a daily periodic rate.

APY: 0.10% Min Deposit: $100.00 Max Deposit: $98,999.99

6-Month IRA CD

The Ardent 6-Month IRA CD offers competitive yields for the term of the CD. There are no fees on balances of $100 or more, and dividends are calculated on a daily periodic rate.

APY: 0.15% Min Deposit: $100.00 Max Deposit: $98,999.00

12-Month IRA CD

The Ardent 12-Month IRA CD offers competitive yields for the term of the CD. There are no fees on balances of $100 or more and dividends are calculated on a daily periodic rate.

APY: 0.60% Min Deposit: $100.00 Max Deposit: $98,999.99

24-Month IRA CD

The Ardent 24-Month IRA CD offers competitive yields for term of the CD. There are no fees on balances of $100 or more and dividends are calculated on a daily periodic rate.

APY: 0.25% Min Deposit: $100.00 Max Deposit: $98,999.99

36-Month IRA CD

The Ardent 36-Month IRA CD offers competitive yields for the term of the CD. There are no fees on balances of $100 or more, and dividends are calculated on a daily periodic rate.

APY: 0.25% Min Deposit: $100.00 Max Deposit: $98,999.99

48-Month IRA CD

The Ardent 48-Month IRA CD offers competitive yields for a specific time period. Features no fees on balances of $100 or more and dividends calculated on a daily periodic rate.

APY: 0.25% Min Deposit: $100.00 Max Deposit: $98,999.00

60-Month IRA CD

The Ardent 60-Month IRA CD offers competitive yields for term of the CD. There are no fees on balances of $100 or more, and dividends are calculated on a daily periodic rate.

APY: 0.25% Min Deposit: $100.00 Max Deposit: $98,999.00

Health Savings Account

The Ardent Health Savings Account (HSA) is a no-cost account that allows you to save pre-tax dollars toward future medical costs. (Enrollment in a high-deductible health plan is required) The Annual Percentage Yield (APY) is subject to change.

APY: 0.05% Min Deposit: $5.00

APY (Annual Percentage Yield)
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'Doing Business As' Information

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'Doing Business As' Information
DBA Business Information
Your Business Tax ID is used for identification purposes.
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Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.
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Tell Us About Yourself

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Please take a picture or upload a copy of your ID document such as driver license, green card, or etc...

Co-Driver's License Scan

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To speed up the application process, please take a picture of the BACK of your United States driver’s license. This will prepopulate your name and address information directly to your application.

If you do not wish to use this feature simply click the “Next” button, to proceed.

Note: Not all drivers licenses are updated with this new bar code.


Recommendation for best recognition:

* Use a dark background

* Make sure all four corners are visible

* Avoid glare

* Make sure image is in focus

Driver's License Scan

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To speed up the application process, please take a picture of the BACK of your United States driver’s license. This will prepopulate your name and address information directly to your application.

If you do not wish to use this feature simply click the “Next” button, to proceed.

Note: Not all drivers licenses are updated with this new bar code.


Recommendation for best recognition:

* Use a dark background

* Make sure all four corners are visible

* Avoid glare

* Make sure image is in focus

System can't prefill due to ZIP code discrepancy. Please proceed by manually entering the information or correct the value in the ZIP field in the 1st page.

Minor Applicant Information

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Joint Applicant Information

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About Your Joint Applicant
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Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.
Current Physical Address
Contact Information
Identification
Please take a picture or upload a copy of your ID document such as driver license, green card, or etc...

Beneficiaries Information

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Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.