American Heritage Federal Credit Union


Overview / Commentary
215-969-0777
2060 Red Lion Road
Philadelphia, PA 19115

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 95th largest credit union in the nation. It was established in 1948 and as of June of 2022, it had grown to 622 employees and 264,119 members at 31 locations. American Heritage Federal Credit Union's savings rates are 5X 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 the Pennsylvania cities of Ambler, Bensalem, Bridgeport, Bristol, Bryn Athyn, Butler, Cheltenham, Conshohocken, Fort Washington, Norristown, Penndel, Philadelphia, Souderton, Southampton, Tullytown, Villanova, or Warminster Heights, and employees of more than 700 Select Employer Groups.
See current membership details

Related Posts

American Heritage Credit Union Long-Term CD Rates Soar To New Heights - 9/29/2022

American Heritage Credit Union (easy membership) has significantly upped its 30-, 48-, and 60-month Share Certificate APYs to rate-leading levels. $1k min deposit.

American Heritage Federal Credit Union Ups 15- And 18-Month CD Rates - 4/19/2022

American Heritage Federal Credit Union (easy membership) has increased the rates on its 15-month and 18-month Share Certificates again. $1k minimum deposit.

American Heritage Federal Credit Union Hikes 18-Month CD Rate Again - 2/23/2022

American Heritage Federal Credit Union (easy membership) has again substantially raised the rates on its 15-month and 18-month Share Certificates.

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Love my credit union

Posted by: |

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.

Beware If Out Of Area

Posted by: |

they indicate you can join, but if you are not within their service area .... they will make it difficult for you. They require you to ALSO get a copy of the application notarized.

Appears to me to ONLY be required to discourage you from joining, AND, as noted, some of their products will not be available to you.

I recommend that if you are NOT within their service area that you just avoid this credit union.

Best Rates Not Available

Posted by: |

Apparently their best rates are not really available. The 15 mo. 1.25% APY rate is only for EXISTING customers. Even then, they said they would not honor the rate for those who do not live there - never mind sending money to their charity. Bit of a bait and switch.

This Place Is A Joke

Been a member for over a year....it took almost two months to join this dump. It was harder to join this credit union than it was just to get my mortage. Nevertheless, after joining I applied for a credit card since I was told they offer big limits on their cards. Took the credit inquiry and was approved for 10k....awesome right? Nope! The decision was reversed after they saw I don't live in Pennsylvania. Never told me up front might as well not become a member if you don't live here because banking needs you may have will NOT be given to you. Over a year as a member and every time I have called them the reps on their member video chats (who by the way are the most fake individuals you will ever come across) ask me if I want to close my account...with a smile on their face. A complete joke. When I tell them no that's when I get their attitude. Like our rudeness didn't scare you off? Well okay what do you want because we are not giving you anything besides a checking account....cool! Glad I spent months attempting to join a credit union that will ONLY offer me a checking account. When I've asked for more than a checking account 100% of the time I am told we take care of the members that are in our community and even though you're a member you need to find a bank close to where you live. Think again assholes....I'm parking my whooping $5 there forever and will be getting my hard works worth by rating you 1/5 stars wherever I can find and will be cussing out every agent that I come in contact with. Am I salty? Nah just pissed that these people wasted my time and I will make sure I waste theirs as much as I want. Gotta love those membership perks hahaha

VIEW MORE REVIEWS

Health
B+

Health Grade Components

Overall
NCUA #5621
Year Chartered1948
Employees622
Primary Regulator
Profit Margin
Return on Assets - YTD0.9%
Return on Equity - YTD11.26%
Annual Interest Income$67.9MM
Assets and Liabilities
AssetsQ2 2022vs Q2 2021$4.07B$3.62B
LoansQ2 2022vs Q2 2021$3.05B$2.51B
DepositsQ2 2022vs Q2 2021$3.18B$2.85B
Equity CapitalQ2 2022vs Q2 2021$324.7MM$286.8MM
Loan Loss AllowanceQ2 2022vs Q2 2021$15.1MM$13.6MM
Unbacked Noncurrent LoansQ2 2022vs Q2 2021$20.3MM$11.5MM
Real Estate OwnedQ2 2022vs Q2 2021$0$650.00K
Rates
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Always verify rates and promotions with the bank or credit union. We are not American Heritage Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* 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
2.85%$10k$1mHigh-Yield Savings (New Money Only)
2.85%$10k$1mBusiness High-Yield Savings (New Money Only)
0.36%$4k-Platinum IRA Share
0.31%--Regular IRA Share
0.16%*$10k*-Primary Share Savings
OTHER TIERS: 0.11% $100 - $10k
0.16%*$10k*-Holiday Club
OTHER TIERS: 0.11% $100 - $10k
0.16%*$10k*-Vacation Club
OTHER TIERS: 0.11% $100 - $10k
0.16%*$10k*-Little Patriots Club
OTHER TIERS: 0.11% $100 - $10k
0.16%*$10k*-Identity Protection Savings
OTHER TIERS: 0.11% $100 - $10k

American Heritage Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.60%$75k-Platinum Money Market
1.40%$50k-VIP Money Market
1.25%*$25k*-Money Market Account
OTHER TIERS: 0.91% $2k - $25k

American Heritage Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.16%*$25k*-Platinum Checking Account
OTHER TIERS: 0.11% $7.5k - $25k
0.11%$7.5k-Cash Management Checking
0.10%$1k-Totally Free Checking PLUS
0.10%$1k-Identity Protection Checking
0.10%$5k-VIP Checking

American Heritage Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.10%$1k-30 Month Share Certificate
4.10%$500-Business 30 Month Share Certificate
4.05%$1k-48 Month Share Certificate
4.05%$1k-60 Month Share Certificate
4.05%$500-Business 60 Month Share Certificate
4.00%$500-Business 48 Month Share Certificate
4.00%$1k$2k4 Month Share Certificate Special - New Money
3.80%$1k-24 Month Share Certificate
3.80%$500-Business 24 Month Share Certificate
3.70%$1k-36 Month Share Certificate
3.70%$500-Business 36 Month Share Certificate
3.70%$1k-59 Month Bump-Up CD
3.60%$1k-47 Month Bump-Up CD
3.30%$1k-20 Month Share Certificate
3.30%$500-Business 20 Month Share Certificate
3.15%$1k-18 Month Share Certificate (Legacy Club)
3.10%$1k-13 Month Share Certificate
3.10%$500-Business 13 Month Share Certificate
3.05%$1k-18 Month Share Certificate
3.05%$500-Business 18 Month Share Certificate
2.95%$1k-12 Month Share Certificate
2.95%$500-Business 12 Month Share Certificate
2.80%$1k-15 Month Share Certificate
2.80%$500-Business 15 Month Share Certificate
2.10%$1k-11 Month Share Certificate
2.10%$500-Business 11 Month Share Certificate
1.90%$1k-10 Month Share Certificate
1.90%$500-Business 10 Month Share Certificate
1.85%$1k-9 Month Share Certificate
1.85%$500-Business 9 Month Share Certificate
1.80%$1k-8 Month Share Certificate
1.80%$500-Business 8 Month Share Certificate
1.65%$1k-3 Month Share Certificate
1.65%$1k-5 Month Share Certificate
1.65%$1k-6 Month Share Certificate
1.65%$1k-7 Month Share Certificate
1.65%$1k-4 Month Share Certificate
1.65%$500-Business 3 Month Share Certificate
1.65%$500-Business 4 Month Share Certificate
1.65%$500-Business 5 Month Share Certificate
1.65%$500-Business 6 Month Share Certificate
1.65%$500-Business 7 Month Share Certificate

American Heritage Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.10%$1k-30 Month IRA Certificate
4.05%$1k-48 Month IRA Certificate
4.05%$1k-60 Month IRA Certificate
4.00%$1k$2k4 Month IRA Certificate Special - New Money
3.80%$1k-24 Month IRA Certificate
3.70%$1k-36 Month IRA Certificate
3.70%$1k-59 Month Bump-Up IRA
3.60%$1k-47 Month Bump-Up IRA
3.30%$1k-20 Month IRA Certificate
3.15%$1k-18 Month IRA Certificate (Legacy Club)
3.10%$1k-13 Month IRA Certificate
3.05%$1k-18 Month IRA Certificate
2.95%$1k-12 Month IRA Certificate
2.80%$1k-15 Month IRA Certificate
2.10%$1k-11 Month IRA Certificate
1.90%$1k-10 Month IRA Certificate
1.85%$1k-9 Month IRA Certificate
1.80%$1k-8 Month IRA Certificate
1.65%$1k-3 Month IRA Certificate
1.65%$1k-5 Month IRA Certificate
1.65%$1k-6 Month IRA Certificate
1.65%$1k-7 Month IRA Certificate
1.65%$1k-4 Month IRA Certificate
Locations

Availability



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