Ardent Federal Credit Union

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A short history of Ardent FCU

Since its inception in 1977 the Ardent Federal Credit Union has been serving its members in the PHILA, Pennsylvania area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Robert Werner, the Ardent FCU has grown its membership to over 31,861 with assets of more than $653,042,873. They have a main office and 5 branch offices. Please see the credit unions website or contact them by phone at (215) 569-3700 or email them at to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in PHILA, PA.

General Information For Ardent FCU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 22637
Address 1500 SPRING GARDEN ST 
State Pennsylvania 
Zip-Code 19130
Phone Number (215) 569-3700
Fax Number (215) 751-9872
Email Address:
CEO/President Robert Werner
Members 31,861 
Full-Time Employees 97 
Part-Time Employees
Number of Branch Offices
Total Assets 653,042,873 

Compare Ardent Federal Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Wayland Temple Baptist CU Main 2500 Cecil B Moore Ave 19121 (215) 769-0243 No 0.94
St. Pauls CU Main 1000 Wallace St 19123 (215) 769-5199 No 1.16
University Of Pennsylvania Students CU Student Federal Credit Union at the University of Pennsylvania 3401 Walnut St Ste 431A 19104 (215) 222-2606 No 1.30
Paper Converters Local 286/1034 CU Pace 410 N 8th St 19123 (215) 829-9212 No 1.41
Police & Fire CU Springfield Branch Springfield Square North Shopping Center 19064 (610) 605-2801 No 1.47

Ardent Federal Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Ardent Federal Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 11.88 1.99 2.49 3.50 3.75
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 405 34 51 72 74
Rank Among All Pennsylvania Credit Unions 64 8 11 15 26

Ardent Federal Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate 0.10 0.10 0.10 1.00 1.00
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions 116 129 134 174 158
Rank Among All Pennsylvania Credit Unions 13 37 27 38 28
Ardent Federal Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 11.8808,75624,075,516
All Other Unsecured Loans/Lines of Credit 12.2505,67620,409,635
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 6.2501845,742,289
New Vehicle Loans 1.9901,94243,205,388
Used Vehicle Loans 2.4902,36038,282,433
Total 1st Mortgage Real Estate Loans/Lines of Credit 3.5001,597206,026,129
Total Other Real Estate Loans/Lines of Credit 3.7501,84273,651,789
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 6.8006054,122,651
TOTAL LOANS & LEASES 22,962415,515,830

Ardent Federal Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 26655,796,917389,642,359
    b. 15 Years or less 74571,293,34900
    a. > 15 years 4311,408,19200
    b. 15 Years or less 32050,243,53493,847,500
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 22317,284,137728,715,992
Adjustable Rate > 1 yr 0000


Closed-End Fixed Rate 52016,692,70800
Closed-End Adjustable Rate 1919,544,96300
Open-End Adjustable Rate 1,13147,414,1181482,962,456
Open-End Fixed Rate 0000
TOTALS 3,439279,677,91826725,168,307


Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 1599,8910
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Ardent Federal Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards Yes
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit Yes
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing No
Money Orders No
No Surcharge ATMs Yes
Home Banking Via Internet Website Yes