2. American Heritage Federal Credit Union

American Heritage Federal Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEHOW THEY COMPARE
2.76%4-year CD
1.97% - National Average
3.11%5-year CD
3.10% - Barclays 60 Month Online CDAdvertisement
2.76%3-year CD
1.86% - National Average
View all American Heritage Federal Credit Union rates »

Overview / Commentary
www.americanheritagecu.org
215-969-0777
2060 Red Lion Rd
Philadelphia, PA 19115-1603

American Heritage Federal Credit Union is headquartered in Philadelphia and is the 5th largest credit union in the state of Pennsylvania. It is also the 110th largest credit union in the nation. It was established in 1948 and as of September of 2018, it had grown to 521 employees and 179,951 members at 33 locations. American Heritage Federal Credit Union's savings rates are 4X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership in American Heritage Federal Credit Union is open to anyone through membership in the Kids-N-Hope Foundation. Membership is also open to individuals who live, work, worship, or attend school in Ambler, Bensalem, Bridgeport, Bristol, Bryn Athyn, Butler, Cheltenham, Conshohocken, Fort Washington, Norristown, Penndel, Philadelphia, Souderton, Southampton, Tullytown, Villanova, or Warminster Heights, Pennsylvania and employees of more than 700 Select Employer Groups.
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Reviews (3)

Good Experience

Posted by: Poshyners | Mar 29, 2018

I have banked with American Heritage since 2010. Even when I moved cross country, I was able to make deposits and withdraws at a shared branch that was near by so we stayed with them. When our account was hacked, they were the ones who noticed and send me a text immediately. They were able to investigate and decline the charge before it even posted to our account- I was very happy with how that was handled. Their mobile app is great and not only allows me to check my balances in all of my accounts, but it also allows me to transfer money between my accounts, pay bills and even check my credit score. I have had nothing but good experiences with this bank.

1

Love my credit union

Posted by: Inloventry | Feb 8, 2018

I have had a checking account with American Heritage for about 6 years. The account is free every month as long as I make 2 transactions during the month. I do most of my banking online, but have been satisfied with the environment and attitude of employees on the occasions I have visited a branch. Generally speaking the online experience is acceptable, although the website is a bit more difficult to navigate compared to other banks I have had accounts with. I have tried to access the online chat feature several times, but found it unavailable. Apparently it is available only during normal business hours.

3

360 Day EWP

Posted by: John Sears | Apr 28, 2016

A little surprised this was listed with its Easy Membership rating under 5 year CDs. Anyone offering a good rate with a full year's penalty is bad news, IMHO.

3


Health
B+

Data as of Q3 2018

Learn why bank health matters

Health Grade Components

Overall
NCUA #5621
Year Chartered1948
Employees521
Primary Regulator
Profit Margin
Return on Assets - YTD0.81%
Return on Equity - YTD10.3%
Annual Interest Income$64.1MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$2.33B$2.03B
LoansQ3 2018vs Q3 2017$1.66B$1.26B
DepositsQ3 2018vs Q3 2017$1.67B$1.47B
Equity CapitalQ3 2018vs Q3 2017$182.4MM$172.4MM
Loan Loss AllowanceQ3 2018vs Q3 2017$8.8MM$7.5MM
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$9.4MM$10.6MM
Real Estate OwnedQ3 2018vs Q3 2017$910.00K$768.00K
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

American Heritage Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%$10k$1mHigh-Yield Savings (New Money Only)
0.36%$4k-Platinum IRA Share
0.31%--Regular IRA Share
0.21%*$10k*-Primary Share Savings
OTHER TIERS: 0.16% → $100 - $10k
0.21%*$10k*-Holiday Club
OTHER TIERS: 0.16% → $100 - $10k
0.21%*$10k*-Vacation Club
OTHER TIERS: 0.16% → $100 - $10k
0.21%*$10k*-Little Patriots Club
OTHER TIERS: 0.16% → $100 - $10k
0.21%*$10k*-Identity Protection Savings
OTHER TIERS: 0.16% → $100 - $10k

American Heritage Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.76%$75k-Platinum Money Market
0.71%$50k-VIP Money Market
0.66%*$25k*-Money Market Account
OTHER TIERS: 0.50% → $2k - $25k

American Heritage Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.21%*$25k*-Platinum Checking Account
OTHER TIERS: 0.16% → $7.5k - $25k
0.16%$7.5k-Cash Management Checking
0.15%$1k-Totally Free Checking PLUS
0.15%$1k-Identity Protection Checking
0.15%$5k-VIP Checking

American Heritage Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%$1k$2k4 Month CD Special (New Money)
3.11%$1k-60 Month Share Certificate
3.10%$1k-59 Month Bump-Up CD
2.86%$1k-30 Month Legacy Club Certificate
2.80%$1k-18 Month Share Certificate
2.76%$1k-30 Month Share Certificate
2.76%$1k-36 Month Share Certificate
2.76%$1k-48 Month Share Certificate
2.70%$1k-47 Month Bump-Up CD
2.51%$1k-24 Month Share Certificate
2.50%$1k-15 Month Share Certificate
2.26%$1k-12 Month Share Certificate
1.65%$1k-13 Month Share Certificate
1.50%$1k-11 Month Share Certificate
1.40%$1k-10 Month Share Certificate
1.30%$1k-9 Month Share Certificate
1.20%$1k-8 Month Share Certificate
1.10%$1k-7 Month Share Certificate
1.00%$1k-6 Month Share Certificate
0.95%$1k-5 Month Share Certificate
0.90%$1k-4 Month Share Certificate
0.80%$1k-3 Month Share Certificate

American Heritage Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%$1k$2k4 Month IRA Special (New Money)
3.11%$1k-60 Month IRA Certificate
3.10%$1k-59 Month Bump-Up IRA
2.86%$1k-30 Month Legacy Club IRA Certificate
2.80%$1k-18 Month IRA Certificate
2.76%$1k-30 Month IRA Certificate
2.76%$1k-36 Month IRA Certificate
2.76%$1k-48 Month IRA Certificate
2.70%$1k-47 Month Bump-Up IRA
2.51%$1k-24 Month IRA Certificate
2.50%$1k-15 Month IRA Certificate
2.26%$1k-12 Month IRA Certificate
1.65%$1k-13 Month IRA Certificate
1.50%$1k-11 Month IRA Certificate
1.40%$1k-10 Month IRA Certificate
1.30%$1k-9 Month IRA Certificate
1.20%$1k-8 Month IRA Certificate
1.10%$1k-7 Month IRA Certificate
1.00%$1k-6 Month IRA Certificate
0.95%$1k-5 Month IRA Certificate
0.90%$1k-4 Month IRA Certificate
0.80%$1k-3 Month IRA Certificate
Locations

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