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 deposit is $1,000. These rates are listed in the credit union's rates page as of 8/30/2011.
According to the credit union's truth-in-savings disclosure, the early withdrawal penalty is 180 days of interest.
American Heritage FCU membership is open to anyone who lives, works, worships or attends school in Philadelphia, Pennsylvania and certain other parts of the Metro area. You can also be eligible via Select Employer Groups and via immediate family. Please refer their how-to-join page for more details. Membership requires a $15 minimum deposit into a share savings account.
Branches are located in Philadelphia, PA and in several of the suburban areas.
The credit union has an overall health score at DepositAccounts.com of 4 stars (out of 5) with a Texas Ratio of 8.90% (average) based on March 2011 data. Please refer to our financial overview of American Heritage Federal Credit Union for more details. The credit union is federally insured by the NCUA (Charter # 5621).
How These CD Rates Compare
The best long-term CD rates in Philly used to be at Police & Fire Federal Credit Union, but its rates have recently fallen. The best 5-year CD rate at a credit union that's available nationwide is 2.83% APY at University Federal Credit Union. The best 5-year CD rate at a bank is 2.50% APY at Airbanking.
Searching for the Best CD Rates
To search for the best nationwide CD rates and the best CD rates in your state, please refer to the CD rates section of DepositAccounts.com.