American Heritage Credit Union

American Heritage Credit Union Locations

2060 Red Lion Road
Philadelphia, PA 19115-1603
215.969.0777
www.amhfcu.org

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American Heritage Credit Union is headquartered in Philadelphia and is the 6^th largest credit union in the state of Pennsylvania. It is also the 139^th largest credit union in the nation. It was established in 1948 and as of December of 2012, it had grown to 327 employees and 121,601 members. American Heritage Credit Union has a 4-star health rating.

Top Checking Bonus & CD Rates at American Heritage FCU in Philly - 2/17/2012

I last reviewed American Heritage Federal Credit Union in October when it was offering a checking account promotion as part of the Bank Transfer Day movement. It's offering a new one with a bonus of u ...

$130 Checking Account Bonus at American Heritage FCU in Philly - 10/31/2011

Several credit unions are making the most of the movement behind Bank Transfer Day . They are giving more incentives for people to move their money from the megabanks. In addition to a free checking a ...

Top Long-Term CD Rates at American Heritage FCU in Philadelphia - Local Only - 8/30/2011

American Heritage Federal Credit Union continues to offer several competitive long-term CD rates. The best ones include a 2.01% APY 3-year CD, 2.40% APY 4-year CD and a 2.75% APY 5-year CD. Minimum de ...

Competitive Long-Term CD Rates at American Heritage FCU in Philadelphia - Local Only - 11/18/2010

American Heritage Federal Credit Union is offering several competitive long-term CD rates. The best ones include a 2.40% APY 3-year CD and a 2.80% APY 4-year CD. Minimum deposit is $1,000. According t ...

2009

2007

8/9 - 5.60% 18-Month / 5.75% 60-Month CD at a Philadelphia CU (American Heritage)

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See Rates for: Checking | Savings | Money Market | CD | IRA

American Heritage Credit Union Checking Account Rates

Apy	Min	Max	Product
0.25%	$25k	-	Platinum Checking Account
0.20%	$7,500	-	Cash Management Checking
0.20%	$5k	-	VIP Business Checking
0.15%	$1k	-	Totally Free Checking PLUS
0.15%	$1k	-	Protection Checking
0.15%	$5k	-	VIP Checking

American Heritage Credit Union Savings Account Rates

Apy	Min	Max	Product
0.40%	$10k	-	Member Business Secondary Share Savings
0.30%	$10k	-	Member Business Primary Share Savings
0.26%	$4k	-	Platinum IRA Share
0.25%	$10k	-	Primary Share Savings
0.25%	$10k	-	Holiday Club
0.25%	$10k	-	Vacation Club
0.25%	$10k	-	Little Patriots Club
0.20%	-	-	Regular IRA Share

American Heritage Credit Union Money Market Rates

Apy	Min	Max	Product
0.46%	$75k	-	Member Business Platinum Money Market
0.41%	$75k	-	Platinum Money Market
0.41%	$50k	-	Member Business VIP Money Market
0.36%	$50k	-	VIP Money Market
0.36%	$25k	-	Member Business Money Market Account
0.31%	$25k	-	Money Market Account

American Heritage Credit Union CD Rates

Apy	Min	Max	Product
1.91%	$1k	-	Business 60 Month Share Certificate
1.76%	$1k	-	60 Month Share Certificate
1.71%	$1k	-	Business 48 Month Share Certificate
1.66%	$1k	-	48 Month Share Certificate
1.41%	$1k	-	Business 36 Month Share Certificate
1.36%	$1k	-	36 Month Share Certificate
1.15%	$1k	-	30 Month Legacy Club Certificate
1.06%	$1k	-	Business 30 Month Share Certificate
1.01%	$1k	-	30 Month Share Certificate
0.91%	$1k	-	Business 24 Month Share Certificate
0.86%	$1k	-	24 Month Share Certificate
0.61%	$1k	-	Business 18 Month Share Certificate
0.56%	$1k	-	18 Month Share Certificate
0.56%	$1k	-	Business 13 Month Share Certificate
0.56%	$1k	-	Business 15 Month Share Certificate
0.51%	$1k	-	13 Month Share Certificate
0.51%	$1k	-	15 Month Share Certificate
0.51%	$1k	-	Business 12 Month Share Certificate
0.50%	$1k	-	Business 11 Month Share Certificate
0.46%	$1k	-	11 Month Share Certificate
0.46%	$1k	-	12 Month Share Certificate
0.45%	$1k	-	10 Month Share Certificate
0.45%	$1k	-	Business 10 Month Share Certificate
0.40%	$1k	-	9 Month Share Certificate
0.40%	$1k	-	Business 9 Month Share Certificate
0.35%	$1k	-	7 Month Share Certificate
0.35%	$1k	-	8 Month Share Certificate
0.35%	$1k	-	Business 7 Month Share Certificate
0.35%	$1k	-	Business 8 Month Share Certificate
0.31%	$1k	-	6 Month Share Certificate
0.31%	$1k	-	Business 6 Month Share Certificate
0.30%	$1k	-	5 Month Share Certificate
0.30%	$1k	-	Business 5 Month Share Certificate
0.25%	$1k	-	4 Month Share Certificate
0.25%	$1k	-	Business 4 Month Share Certificate
0.21%	$1k	-	3 Month Share Certificate
0.21%	$1k	-	Business 3 Month Share Certificate

American Heritage Credit Union IRA Rates

Apy	Min	Max	Product
1.91%	$1k	-	Business 60 Month IRA Certificate
1.76%	$1k	-	60 Month IRA Certificate
1.76%	$1k	-	60 Month Roth IRA Certificate
1.76%	$1k	-	60 Month CESA Certificate
1.71%	$1k	-	Business 48 Month IRA Certificate
1.66%	$1k	-	48 Month IRA Certificate
1.66%	$1k	-	48 Month Roth IRA Certificate
1.66%	$1k	-	48 Month CESA Certificate
1.41%	$1k	-	Business 36 Month IRA Certificate
1.36%	$1k	-	36 Month IRA Certificate
1.36%	$1k	-	36 Month Roth IRA Certificate
1.36%	$1k	-	36 Month CESA Certificate
1.15%	$1k	-	30 Month Legacy Club CESA Certificate
1.15%	$1k	-	30 Month Legacy Club Roth IRA Certificate
1.15%	$1k	-	30 Month Legacy Club IRA Certificate
1.06%	$1k	-	Business 30 Month IRA Certificate
1.01%	$1k	-	30 Month IRA Certificate
1.01%	$1k	-	30 Month Roth IRA Certificate
1.01%	$1k	-	30 Month CESA Certificate
0.91%	$1k	-	Business 24 Month IRA Certificate
0.86%	$1k	-	24 Month IRA Certificate
0.86%	$1k	-	24 Month Roth IRA Certificate
0.86%	$1k	-	24 Month CESA Certificate
0.61%	$1k	-	Business 18 Month IRA Certificate
0.56%	$1k	-	18 Month IRA Certificate
0.56%	$1k	-	18 Month Roth IRA Certificate
0.56%	$1k	-	18 Month CESA Certificate
0.56%	$1k	-	Business 13 Month IRA Certificate
0.56%	$1k	-	Business 15 Month IRA Certificate
0.51%	$1k	-	13 Month IRA Certificate
0.51%	$1k	-	15 Month IRA Certificate
0.51%	$1k	-	13 Month Roth IRA Certificate
0.51%	$1k	-	15 Month Roth IRA Certificate
0.51%	$1k	-	13 Month CESA Certificate
0.51%	$1k	-	15 Month CESA Certificate
0.51%	$1k	-	Business 12 Month IRA Certificate
0.50%	$1k	-	Business 11 Month IRA Certificate
0.46%	$1k	-	11 Month IRA Certificate
0.46%	$1k	-	12 Month IRA Certificate
0.46%	$1k	-	11 Month Roth IRA Certificate
0.46%	$1k	-	12 Month Roth IRA Certificate
0.46%	$1k	-	11 Month CESA Certificate
0.46%	$1k	-	12 Month CESA Certificate
0.45%	$1k	-	10 Month IRA Certificate
0.45%	$1k	-	10 Month Roth IRA Certificate
0.45%	$1k	-	10 Month CESA Certificate
0.45%	$1k	-	Business 10 Month IRA Certificate
0.40%	$1k	-	9 Month IRA Certificate
0.40%	$1k	-	9 Month Roth IRA Certificate
0.40%	$1k	-	9 Month CESA Certificate
0.40%	$1k	-	Business 9 Month IRA Certificate
0.35%	$1k	-	7 Month IRA Certificate
0.35%	$1k	-	8 Month IRA Certificate
0.35%	$1k	-	7 Month Roth IRA Certificate
0.35%	$1k	-	8 Month Roth IRA Certificate
0.35%	$1k	-	7 Month CESA Certificate
0.35%	$1k	-	8 Month CESA Certificate
0.35%	$1k	-	Business 7 Month IRA Certificate
0.35%	$1k	-	Business 8 Month IRA Certificate
0.31%	$1k	-	6 Month IRA Certificate
0.31%	$1k	-	6 Month Roth IRA Certificate
0.31%	$1k	-	6 Month CESA Certificate
0.31%	$1k	-	Business 6 Month IRA Certificate
0.30%	$1k	-	5 Month IRA Certificate
0.30%	$1k	-	5 Month Roth IRA Certificate
0.30%	$1k	-	5 Month CESA Certificate
0.30%	$1k	-	Business 5 Month IRA Certificate
0.25%	$1k	-	4 Month IRA Certificate
0.25%	$1k	-	4 Month CESA Certificate
0.25%	$1k	-	4 Month Roth IRA Certificate
0.25%	$1k	-	Business 4 Month IRA Certificate
0.21%	$1k	-	3 Month IRA Certificate
0.21%	$1k	-	3 Month Roth IRA Certificate
0.21%	$1k	-	3 Month CESA Certificate
0.21%	$1k	-	Business 3 Month IRA Certificate

Rates updated: 5/24/2013

Data for Q4 2012

Institution Statistics

AMERICAN HERITAGE
NCUA #	5621
BankRate Report	View
Year Chartered	1948
Employees	327
Primary Regulator
Assets and Liabilities
Assets	$1.28 billion
Loans	$809.17 million
Deposits	$963.42 million
Equity Capital	$118.81 million
Loan Loss Allowance	$5.47 million
Unbacked Noncurrent Loans	$11.66 million
Real Estate Owned	$985,000
Historic Data - December 2011
Assets	$1.15 billion
Equity Capital	$96.97 million
Loan Loss Allowance	$5.20 million
Unbacked Noncurrent Loans	$9.63 million
Real Estate Owned	$881,000
Profit Margin - Quarterly
Net Interest Margin	4.44%
Return on Assets	1.4%
Return on Equity	15.05%
Interest Income	$46.69 million
Non-Interest Income	$33.84 million

Institution Health

Overall Score:

4 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2012 American Heritage Credit Union had $12.64 million in non-current loans and owned real-estate with $124.29 million in equity and loan loss allowances on hand to cover it. This gives American Heritage Credit Union a Texas Ratio of 10.17% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for American Heritage Credit Union held steady from 10.28% as of December 31, 2011 to 10.17% as of December 31, 2012, resulting in a positive change of 1.08%.This indicates that the balance sheet and financial strength for American Heritage Credit Union has held steady in recent periods.
Deposit Growth
In the past year, American Heritage Credit Union has increased its total deposits by $68.43 million, resulting in 7.65% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth American Heritage Credit Union has shown is excellent.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. American Heritage Credit Union has $1.28 billion in assets with $124.29 million in equity, resulting in a capitalization level of 9.73%, which is average.