Ardent Credit Union Phila PA | Quick Personal Loans & Auto Financing

Introduction

Welcome to Ardent, your trusted financial partner located at 1601 Cherry St, Phila, PA 19102. Since our establishment in 1977, we have been dedicated to serving our community with reliable and accessible banking solutions. With a strong membership of 34,737 individuals, we pride ourselves on fostering a sense of belonging and support among our members. At Ardent, we understand that financial needs vary widely from person to person. That's why we offer a comprehensive range of services, including personal banking options like checking and savings accounts, auto loans, mortgage financing, and credit cards with rewards tailored just for you. Our commitment to enhancing your financial well-being is reflected in our impressive total assets of $843,628,186 and total deposits amounting to $47,802,724. We also maintain a robust net worth of $86,712,422, ensuring that your finances are in safe hands. Our team of dedicated professionals is led by CEO Robert Werner and Board President Gloria Wilson, who work tirelessly to guide Ardent towards fulfilling its mission of community empowerment through financial literacy and support. With 114 employees ready to assist you, we prioritize personalized service that meets your unique needs. While members can visit us at 1601 Cherry St, official correspondence should be sent to our mailing address: 1601 Cherry St, Ste 2000, Phila, PA 19102-1320. We invite you to explore the many ways Ardent can help you achieve your financial goals. Whether you're looking for loans or simply want to manage your savings better, we're here for you! Give us a call at 215-569-3700 or visit our website at www.ardentcu.org for more information on how we can serve you better. Join us today in building a brighter financial future together!

Branch History & Mission

Commitment to Community

Ardent isn't just about transactions; it's about building a strong community. We engage in various outreach programs aimed at supporting local initiatives and helping those in need. By working together with local organizations and residents, we foster an environment of trust and collaboration. Our operating hours are Monday through Friday from 9:00 AM to 4:00 PM, ensuring that we're here when you need us most. While we do not offer drive-thru banking or shared service centers at this location, our friendly staff is always ready to assist you inside the branch. As we look forward to the future, we invite you to join the Ardent family. Experience firsthand how being a member can enrich your financial journey while contributing positively to the community. Together, let's build a brighter future! For more information or assistance, feel free to reach out to us at 215-569-3700 or visit our website at Ardent Credit Union.

Our Mission

At Ardent, our mission is clear: we strive to empower our members through personalized financial solutions that help them achieve their dreams. We believe in putting people first whether it's providing assistance with auto loans or helping families secure their first home through mortgage loans and refinancing options. Our commitment extends beyond just banking; we actively participate in community outreach efforts and partnerships that uplift and support those around us. We understand that the world is changing fast, so we have embraced technology to ensure convenience for our members. With features like online banking, mobile payments, and electronic signatures available at your fingertips, managing your finances has never been easier. Our ATM availability ensures you can access your money whenever you need it.

Branch Location & Accessibility

Welcome to Ardent, your friendly neighborhood credit union located at 1601 Cherry St in the vibrant city of Philadelphia, PA! Our branch is easily accessible and nestled near popular landmarks like the bustling Reading Terminal Market and the iconic City Hall. Whether you're stopping by for personal banking or simply to ask questions about our services, we're here to help. For your convenience, we offer ample parking and our facility is fully ADA compliant, ensuring everyone can access our services without any hassle. You can visit us during our operating hours from 9:00 AM to 4:00 PM, Monday through Friday. If you need assistance outside these hours, feel free to reach out at 215-569-3700; our team is always ready to assist. While members can visit us at our physical location, please note that official correspondence should be sent to our mailing address: 1601 Cherry St, Ste 2000, Philadelphia, PA 19102-1320. At Ardent, we offer a variety of services tailored just for you. From checking and savings accounts to auto loans and credit cards with rewards, we have something for everyone. Need cash? Our ATM is available on-site for quick withdrawals and balance checks. We look forward to welcoming you to Ardent! Come see how we can help you achieve your financial goals visit us today!

Member Eligibility

At Ardent, we believe that becoming a member is like joining a family that genuinely cares about your financial well-being. If you're wondering whether you can join us, let me share some friendly news! Generally, anyone who lives, works, worships, or attends school in the area can become a member. This means that if you're part of our community in any way, you're likely eligible to enjoy the benefits we offer. You'll find everything from competitive loan rates to personalized services designed just for you. Plus, being a member opens doors to exclusive offers and resources that can help you achieve your financial goals. Ready to take the next step? Opening an account at Ardent is straightforward and welcoming. You can get all the details about eligibility and how to apply by visiting this link: . If you have questions or need assistance, feel free to give us a call at (215) 569-3700. We can't wait to welcome you into our community at 1601 Cherry St Phila Pa 19102!

Business Banking & Commercial Services

Merchant Services That Matter

Imagine being able to accept payments easily and efficiently. Our merchant services offer just that, allowing you to focus on what you do best running your business. From credit card processing to mobile payments, we provide the tools you need to enhance customer experiences and streamline operations. Whether you're just starting out or looking to expand, Ardent is here to help your business thrive. Visit us at 1601 Cherry St Phila Pa 19102, Phila, PA, or call us at (215) 569-3700 to learn more about how we can assist you today!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. Additionally, we also support the broader business community with $4 in non-member commercial loans, providing flexible financing solutions. With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

ATM Services and More

Need cash on-the-go? Our ATM & Cash Withdrawal Services allow easy access to your funds whenever you need them. With basic ATM access for withdrawals and balance checks available at various locations, managing your money has never been more straightforward. We invite you to experience everything we have to offer at Ardent. If you're ready to explore these services further or have any questions, don't hesitate to reach out at (215) 569-3700. Our team is eager to assist you on your financial journey! For more information about opening an account or learning about our services, visit us online at Branch & Administrative Offices.

Business Banking Made Easy

For local businesses, we offer comprehensive Business Banking solutions including Merchant Services & Business Loans designed to help your business thrive. We know that running a business comes with unique challenges, and we're here to provide the financial tools needed for success.

Convenient Digital Banking

In today's fast-paced environment, convenience is key. That's why we emphasize our online capabilities through Online & Mobile Banking platforms. Access your accounts anytime, anywhere whether you're checking balances, transferring funds, or paying bills all from the comfort of your smartphone or computer. Our digital features include mobile payments and person-to-person transactions, ensuring that banking is as simple as possible.

Credit Options That Reward You

At Ardent, we also understand the importance of credit in today's world. Our Credit Cards with Rewards not only give you purchasing power but also reward you for spending with cashback offers and points redeemable for travel or merchandise. It's all about making your money work harder for you.

Personal Banking Solutions

When it comes to managing your day-to-day finances, our Personal Banking options are tailored just for you. We offer various Checking & Savings Accounts that suit different lifestyles, making it easy for you to save for future goals or manage daily expenses. If you're dreaming of a new car, our Auto Loans & Vehicle Financing can help turn that dream into reality with competitive rates and flexible terms. For those considering homeownership or looking to refinance, our Mortgage Loans & Refinancing services provide personalized guidance and support every step of the way. And if life throws unexpected expenses your way, our Personal Loans & Debt Consolidation options can help you regain control over your finances.

Digital & Online Banking

Key Features

Our online banking platform allows you to take control of your finances effortlessly. You can check your account balances, transfer funds, and pay bills with just a few clicks. Need to send money to a friend? Our person-to-person transfer feature makes it quick and simple to share funds with anyone, whether they bank with us or not. For those who prefer managing their finances on the go, our mobile application gives you all the tools you need right in your pocket. Enjoy features like mobile payments that let you make purchases directly from your phone no cash or cards needed! Plus, you'll have the convenience of accessing e-statements whenever you want, helping you stay organized without the clutter of paper documents.

Security and Convenience

Security is a top priority for us at Ardent. We offer electronic signature authorization to ensure that your transactions are safe and secure. Our user-friendly interface makes navigating through online banking a breeze, allowing you to focus on what matters most your financial goals. With all these features combined, managing your money has never been easier or more convenient. Whether you're at home or on the go, you can rest assured knowing that Ardent is here to support your financial needs every step of the way. Join us today and experience how simple banking can be!

Financial Strength

A Growing Community

Total Share and Deposit Accounts stand at 75,179, showing a strong and growing member base that trusts us with their finances. With net shares available for lending and investments totaling $854,330, we are well-positioned to help you achieve your financial aspirations. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Ardent is your trusted partner. Visit us at 1601 Cherry St Phila Pa 19102 or call (215) 569-3700 to learn more about how we can help you achieve your financial goals.

Investing in Your Future

With $84,692,470 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports your financial goals with $5,442 in used auto loans and $587,882,053 in total loans and leases.

Member-Centric Savings Solutions

Members' savings are secured through $200,437,167 in share certificates and $57,441,961 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our $0 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 113 full-time employees and 1 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Strong Financial Foundation

With a net worth of $86,712,422, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,029 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $87,674,288 in used vehicle loans and $33,492,860 in new vehicle loans already helping members get on the road. We provide financing options for both new and used vehicles, making it easier than ever to drive away with your dream car. Plus, if you're looking to refinance an existing auto loan, we can help with that too!

Business Solutions

While we currently do not have outstanding commercial loans available, our commitment to supporting local businesses remains strong. We're here to answer any questions regarding future lending opportunities for business owners looking to expand their operations. At Ardent, we're dedicated to providing personalized service and sound financial solutions. If you're interested in learning more about any of our loan products or checking your eligibility for refinancing options, please don't hesitate to reach out at (215) 569-3700. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. We're here to support you every step of the way in achieving your financial dreams!

Credit Card Loans

For those needing extra flexibility in their finances, we also offer unsecured credit card loans. With a total of $18,112,533 in loans available, these cards help our members manage their purchases effectively while enjoying convenient repayment options.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $121,371,102, make buying or refinancing simple. Whether you're a first-time buyer or looking to move into a bigger space, our mortgage products come with competitive rates and flexible terms.

Loan Aggregator

Accurate Loan Comparisons

LendMesh ensures accurate loan comparisons by sourcing data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This commitment to compliance guarantees that the offers displayed are fair and transparent.

Benefits of Using LendMesh

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ARDENT FEDERAL CREDIT UNION