Ardent Credit Union is a not-for-profit financial cooperative serving the Philadelphia area. It offers banking services like savings, checking, and loans to individuals and families. Eligibility includes those living, working, or studying in Philadelphia and surrounding counties[5]. Ardent's unique selling proposition is its community-focused approach, prioritizing members' interests and providing smart, affordable banking solutions[3]. Unlike commercial banks, Ardent does not engage in commercial lending and maintains a diversified balance sheet[1]. Its services are enhanced by online and mobile banking, along with access to over 30,000 surcharge-free ATMs[2].