Just what the doctor ordered for your finances.
Health Savings Account
When the apple a day doesn't work, you'll have money available.
Part of a solid medical care plan
Doctor's advice – prepare for the rising costs of medical expenses with our Health Savings Account (HSA). To open one of our Pennsylvania credit union HSAs, you must be an Ardent CU member currently enrolled in a High-Deductible Health Plan. Then you can receive the account's tax advantages while saving money for future medical expenses.
- No fees to open or maintain your account
- Rollovers welcome
- Competitive savings rate
- Tax-deferred earnings
- Tax-deductible contributions
Savings
Rates effective starting: July 17, 2026
| Product | Minimum to Open | Annual Percentage Yield1 | Interest Rate |
|---|---|---|---|
| Ardent Savings | $5.00 | 0.01% | 0.01% |
| Business Savings Account (up to $250,000) | $5.00 | 0.01% | 0.01% |
| Business Savings Account (over $250,000) | $5.00 | 0.01% | 0.01% |
| Holiday/Vacation/Savings Club | $5.00 | 0.01% | 0.01% |
| Health Savings Account | $0.00 | 0.01% | 0.01% |
| Rookie Account– ages 0-12 | $5.00 | 1.00% | 0.995% |
| Stash Account – ages 13-26 (up to $2500) | $5.00 | 1.50% | 1.485% |
| Stash Account– ages 13-26 (up to $5000) | $5.00 | 2.00% | 1.980% |
| Stash Account– ages 13-26 (over $5000) | $5.00 | 2.50% | 2.465% |
| SaveUP Account ($0-$25,000.00) | $5.00 | 2.00% | 1.980% |
| SaveUP Account ($25,000.01-$50,000.00) | $5.00 | 2.00% | 1.980% |
| SaveUP Account ($50,000.01-$100,000.00) | $5.00 | 2.00% | 1.980% |
| SaveUP Account ($100,000.01-$500,000.00) | $5.00 | 2.75% | 2.715% |
| SaveUP Account ($500,000.01 -$1,000,000) | $5.00 | 3.50% | 3.445% |
1Rates are subject to change at any time without notice. Membership eligibility and requirements apply. Fees may reduce earnings.