American Heritage Credit Union

American Heritage Credit Union Locations
2060 Red Lion Road
Philadelphia, PA 19115
215.969.0777
www.amhfcu.org



American Heritage Credit Union is headquartered in PHILADELPHIA and is the 6th largest credit union in the state of Pennsylvania. It is also the 149th largest credit union in the nation. It was established in 1948 and as of December of 2011, it had grown to 277 employees and 113,436 members. American Heritage Credit Union has a 4-star health rating.

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

American Heritage Credit Union Checking Account Rates

ApyMinMaxProduct
0.30%$25k-Platinum Checking Account
0.25%$7,500-Cash Management Checking
0.20%$1k-Totally Free Checking PLUS
0.20%$1k-Protection Checking
0.20%$5k-VIP Checking

American Heritage Credit Union Savings Account Rates

ApyMinMaxProduct
0.31%$4k-Platinum IRA Share
0.30%$10k-Primary Share Savings
0.30%$10k-Holiday Club
0.30%$10k-Vacation Club
0.30%$10k-Little Patriots Club
0.25%--Regular IRA Share

American Heritage Credit Union Money Market Rates

ApyMinMaxProduct
0.46%$75k-Platinum Money Market
0.41%$50k-VIP Money Market
0.36%$25k-Money Market Account

American Heritage Credit Union CD Rates

ApyMinMaxProduct
1.96%$1k-60 Month CD
1.71%$1k-48 Month CD
1.46%$1k-36 Month CD
1.30%$1k-30 Month Legacy Club Certificate
1.16%$1k-30 Month CD
0.96%$1k-24 Month CD
0.71%$1k-18 Month CD
0.61%$1k-12 Month CD
0.61%$1k-13 Month CD
0.61%$1k-15 Month CD
0.55%$1k-11 Month CD
0.50%$1k-10 Month CD
0.45%$1k-9 Month CD
0.40%$1k-8 Month CD
0.35%$1k-7 Month CD
0.31%$1k-6 Month CD
0.30%$1k-5 Month CD
0.25%$1k-4 Month CD
0.21%$1k-3 Month CD

American Heritage Credit Union IRA Rates

ApyMinMaxProduct
1.96%$1k-60 Month IRA
1.96%$1k-60 Month Roth IRA
1.96%$1k-60 Month CESA
1.71%$1k-48 Month IRA
1.71%$1k-48 Month Roth IRA
1.71%$1k-48 Month CESA
1.46%$1k-36 Month IRA
1.46%$1k-36 Month Roth IRA
1.46%$1k-36 Month CESA
1.30%$1k-30 Month Legacy Club CESA Certificate
1.30%$1k-30 Month Legacy Club Roth IRA Certificate
1.30%$1k-30 Month Legacy Club IRA Certificate
1.16%$1k-30 Month IRA
1.16%$1k-30 Month Roth IRA
1.16%$1k-30 Month CESA
0.96%$1k-24 Month IRA
0.96%$1k-24 Month Roth IRA
0.96%$1k-24 Month CESA
0.71%$1k-18 Month IRA
0.71%$1k-18 Month Roth IRA
0.71%$1k-18 Month CESA
0.61%$1k-12 Month IRA
0.61%$500-13 Month IRA
0.61%$1k-15 Month IRA
0.61%$1k-12 Month Roth IRA
0.61%$500-13 Month Roth IRA
0.61%$1k-15 Month Roth IRA
0.61%$1k-12 Month CESA
0.61%$500-13 Month CESA
0.61%$1k-15 Month CESA
0.55%$1k-11 Month IRA
0.55%$1k-11 Month Roth IRA
0.55%$1k-11 Month CESA
0.50%$1k-10 Month IRA
0.50%$1k-10 Month Roth IRA
0.50%$1k-10 Month CESA
0.45%$1k-9 Month IRA
0.45%$1k-9 Month Roth IRA
0.45%$1k-9 Month CESA
0.40%$1k-8 Month IRA
0.40%$1k-8 Month Roth IRA
0.40%$1k-8 Month CESA
0.35%$1k-7 Month IRA
0.35%$1k-7 Month Roth IRA
0.35%$1k-7 Month CESA
0.31%$1k-6 Month IRA
0.31%$1k-6 Month Roth IRA
0.31%$1k-6 Month CESA
0.30%$1k-5 Month IRA
0.30%$1k-5 Month Roth IRA
0.30%$1k-5 Month CESA
0.25%$1k-4 Month IRA
0.25%$1k-4 Month CESA
0.25%$1k-4 Month Roth IRA
0.21%$1k-3 Month IRA
0.21%$1k-3 Month Roth IRA
0.21%$1k-3 Month CESA

Rates updated: 5/22/2012

Data for Q4 2011


Institution Statistics


AMERICAN HERITAGE
NCUA #5621
BankRate ReportView
Year Chartered1948
Employees277
Primary Regulator

Assets and Liabilities

Assets$1.15 billion
Loans$765.37 million
Deposits$894.99 million
Equity Capital$96.97 million
Loan Loss Allowance$5.20 million
Unbacked Noncurrent Loans$9.63 million
Real Estate Owned$881,000

Historic Data - December 2010

Assets$1.01 billion
Equity Capital$84.68 million
Loan Loss Allowance$4.48 million
Unbacked Noncurrent Loans$9.20 million

Profit Margin - Quarterly

Net Interest Margin4.54%
Return on Assets0.98%
Return on Equity11.71%
Interest Income$46.51 million
Non-Interest Income$22.26 million

Institution Health


Overall Score:
4 out of 5
4
Texas Ratio4
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, 2011 American Heritage Credit Union had $10.51 million in non-current loans and owned real-estate with $102.17 million in equity and loan loss allowances on hand to cover it. This gives American Heritage Credit Union a Texas Ratio of 10.28% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend3
The Texas Ratio for American Heritage Credit Union held steady from 10.32% as of December 31, 2010 to 10.28% as of December 31, 2011, resulting in a positive change of 0.35%.This indicates that the balance sheet and financial strength for American Heritage Credit Union has held steady in recent periods.
Deposit Growth5
In the past year, American Heritage Credit Union has increased its total deposits by $106.23 million, resulting in 13.47% 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.
Capitalization3
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 $1.15 billion in assets with $102.17 million in equity, resulting in a capitalization level of 8.85%, which is average.
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