Lender profile
Ardent Credit Union
Lender Live rate observations
Ardent Credit Union at a glance
Ardent Credit Union is a lender based in Pennsylvania. LoanMate.ai tracks 20 published loan products from Ardent Credit Union (29 rate listings), last verified 2026-10-21. Its lowest published rate today is 5.24% on New auto loan · 48 months. Its 3/1 ARM rate of 6.5% is 0.5 points above the national median of 6% (across 17 lenders publishing that product). Ardent Credit Union lends in Pennsylvania only.
Purchase mortgage (5)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| 3/1ARM | 6.500 | 7.135 | 0 | — | 2026-10-21 | Lender source ↗ |
| 5/1ARM | 6.625 | 7.080 | 0 | — | 2026-10-21 | Lender source ↗ |
| 7/1ARM | 6.750 | 7.072 | 0 | — | 2026-10-21 | Lender source ↗ |
| 10/1ARM | 7.000 | 7.168 | 0 | — | 2026-10-21 | Lender source ↗ |
| 5/5ARM | 7.000 | 7.525 | 0 | — | 2026-10-21 | Lender source ↗ |
HELOC (2)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| HELOC-INTRO | — | 6.49 | — | — | 2026-10-21 | Lender source ↗ |
| HELOC | — | 7.875 | — | — | 2026-10-21 | Lender source ↗ |
Home equity loan (12)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| FHEL-5yr | 6.375 | 6.542 | — | — | 2026-10-21 | Lender source ↗ |
| FHEL-5yr | 6.500 | 6.667 | — | — | 2026-10-21 | Lender source ↗ |
| FHEL-10yr | 6.750 | 6.840 | — | — | 2026-10-21 | Lender source ↗ |
| FHEL-15yr | 6.875 | 6.939 | — | — | 2026-10-21 | Lender source ↗ |
| FHEL-10yr | 6.875 | 6.965 | — | — | 2026-10-21 | Lender source ↗ |
| FHEL-5yr | 6.875 | 7.043 | — | — | 2026-10-21 | Lender source ↗ |
| FHEL-15yr | 7.000 | 7.064 | — | — | 2026-10-21 | Lender source ↗ |
| FHEL-5yr | 7.125 | 7.293 | — | — | 2026-10-21 | Lender source ↗ |
| FHEL-10yr | 7.250 | 7.341 | — | — | 2026-10-21 | Lender source ↗ |
| FHEL-15yr | 7.375 | 7.440 | — | — | 2026-10-21 | Lender source ↗ |
| FHEL-10yr | 7.375 | 7.466 | — | — | 2026-10-21 | Lender source ↗ |
| FHEL-15yr | 7.750 | 7.816 | — | — | 2026-10-21 | Lender source ↗ |
Auto loan (8)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| AUTO-NEW-48 | — | 5.24 | — | — | 2026-10-21 | Lender source ↗ |
| AUTO-NEW-66 | — | 5.24 | — | — | 2026-10-21 | Lender source ↗ |
| AUTO-USED-48 | — | 5.24 | — | — | 2026-10-21 | Lender source ↗ |
| AUTO-USED-66 | — | 5.24 | — | — | 2026-10-21 | Lender source ↗ |
| AUTO-NEW-75 | — | 5.49 | — | — | 2026-10-21 | Lender source ↗ |
| AUTO-USED-75 | — | 5.49 | — | — | 2026-10-21 | Lender source ↗ |
| AUTO-NEW-84 | — | 6.24 | — | — | 2026-10-21 | Lender source ↗ |
| AUTO-USED-84 | — | 6.24 | — | — | 2026-10-21 | Lender source ↗ |
Personal loan (2)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| PERS-UNSEC-60 | — | 10.99 | — | — | 2026-10-21 | Lender source ↗ |
| PERS-UNSEC-72 | — | 11.24 | — | — | 2026-10-21 | Lender source ↗ |
How does Ardent Credit Union's 3/1 ARM rate compare nationally?
- #2 nationally for Used auto loan · 66 months — 5.24% (of 10 lenders publishing it)
- #3 nationally for New auto loan · 66 months — 5.24% (of 11 lenders publishing it)
Compare all purchase mortgage rates · Compare all heloc rates · Compare all home equity loan rates · Compare all auto loan rates · Compare all personal loan rates · Best loan rates in Pennsylvania
Compare with: APCI Federal Credit Union, Altoona First Savings Bank, Ambler Savings Bank, American Heritage Credit Union
Common questions
What is the lowest published rate at Ardent Credit Union?
As of October 21, 2026, the lowest rate LoanMate.ai tracks from Ardent Credit Union is 5.24% on its New auto loan · 48 months. That is a published, advertised figure — not a quote or an offer. Your actual rate depends on credit, collateral and underwriting, and is set by the lender.
Where does Ardent Credit Union lend?
Ardent Credit Union lends in Pennsylvania only. Availability can vary by product — confirm eligibility on the lender's website before applying.
How does Ardent Credit Union's 3/1 ARM rate compare nationally?
Ardent Credit Union publishes 3/1 ARM at 6.5%. The national median for that product is 6% across 17 lenders in LoanMate.ai's October 21, 2026 dataset, so Ardent Credit Union is 0.5 points above the national median.
How to use these figures
LoanMate.ai is an independent information publisher, not a lender, broker, or loan originator. Figures below are public lender observations last verified on the date shown and may have changed; confirm current pricing, terms, fees, eligibility, and license status directly with the lender. Rankings on LoanMate.ai are never influenced by compensation. See our methodology.