American Heritage Federal Credit Union

Overview / Commentary
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 91st largest credit union in the nation. It was established in 1948 and as of March of 2022, it had grown to 626 employees and 254,177 members at 31 locations. American Heritage Federal Credit Union 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 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.

American Heritage Federal Credit Union Has Rate-Leading 5-Year CD - 1/22/2022

American Heritage Federal Credit Union's (easy membership) 60-month Certificate APY has added 25 bps, giving it the highest rate for nationally available 5-year CDs.

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Reviews (8)

Good Experience

Posted by: |

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.

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.

360 Day EWP

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.


Posted by: |

AVOID AT ALL COSTS! The level of incompetence is STAGGERING!!
I financed my car thru them and paid the loan off on 5/19. I called on 5/26 just to confirm the title had been sent to them from their corporate office and was assured it was mailed out to me on the 25th. I called again as I still didn't have it by June 1. I was told to call back if it was not there by this Monday, the 6th. I waited an extra day but it was not in the mail. I called again and was told it had been sent to a dealership in another state!!! They didn't even have the courtesy or decency to let me know, lied to my face!! I have a buyer who needs the title! It's a 20 year old lady who is starting her first job...and it's her first car. And I am getting ZERO help from AH! They grudgingly agreed to overnight it to me...when the dealership gets it back to THEM!! Problem is, they don't even have the correct contact info for them!!! The SUPERVISOR I spoke to HAD TO GOOGLE IT!!! SRSLY?? So now I am waiting here for them to FIX their screw up. And it's NOT the first one! I called to set the payment up to include an extra amount to apply directly to principal. I had a CSR walk me thru it to be sure it was done correctly.....and a few months later...NOPE. It was set to the side to accumulate until it reached a full payment and applied THEN....not each month as I instructed. NEVER, NEVER AGAIN!! I will be closing all of my accounts with them.

Long Time Customer - Former

Posted by: |

This is the worse experience I have had! Since COVID this financial institution has been finding ways to steal members' money. I called a few times about overdraft fees that were not supposed to come out. My account was on the plus side with no pending transactions. I keep having to transfer money from other accounts. Only to have multiple fees come out of a positive balance to make my account negative over $100.00. The customer service rep is blaming automatic bills that have been coming out for years with no issue.

I am going to another bank and never recommend this financial institution. i am embarassed as others I referred to listed the same issue and have left them.

Poor Customer Service

Posted by: |

I wish, had read negative reviews on web before!

The American Heritage Credit Union (AHCU) assumes their clients are fraudulent by definition, not trustworthy, but clients can trust them with their money and business.

We applied online for a Jumbo CD account; it was a waste of one week of our time.

Monday, filled out AHCU online application and added wife as a joint owner, their system verified 10 security questions before accepting the application.
All went through fine and an email verified that.

Tuesday, they asked to upload a copy of driver licenses, we provided pictures of the front and the back of the D.Ls.

Wednesday, email asked for another Government ID, uploaded pictures of S.S. cards. Another email asked to unlock our Experian account for Credit background check, which I did (our FICOs are over 800).

Thursday, email asked to download two other forms, “LoanLiner” and “Member Identity” which had to be notarized! I told the Rep. we are not asking for a loan, we are transferring money to your bank and I have already provided all the personal information online, why do I need to repeat that and Why do I need to get notarized? Rep. said, we have to know about your current address!!
Being up in the age and COVID situation, I offered to upload our current home insurance and any current utility bill to confirm that, answer was NO! Finally asked the Rep., can I upload both forms, answer was Yes!

Friday 10am, uploaded notarized and LoanLiner forms, called back to see if all went OK, now the Rep. wanted me to mail the both documents to them before accepting the membership and opening an account!
Her reason, because AHCU does not trust uploaded notary documents until they have been examined by them! Rep. said, the notarization could be fake, that is an insult.

I tried to reason with the Rep., why would I provide you a fake document when I deposit a large sum of money! I offered to mail the docs and asked if now we could open an account, the answer was NO.

Finally, I talked to a manager, same story, now the manager wanted an additional notarization form for my wife, their notarization form asks for a “member only” not the joint owner, she added, “yes, we know that we have some problems with our forms”.

This Credit Union is the worst of any other financial organizations we have dealt with, they are totally clueless in what they are doing, poor customer service,
DO NOT trust your business or your money to them.


Health Grade Components

NCUA #5621
Year Chartered1948
Primary Regulator
Profit Margin
Return on Assets - YTD1.04%
Return on Equity - YTD12.85%
Annual Interest Income$32.0MM
Assets and Liabilities
AssetsQ1 2022vs Q1 2021$4.05B$3.60B
LoansQ1 2022vs Q1 2021$2.86B$2.37B
DepositsQ1 2022vs Q1 2021$3.16B$2.80B
Equity CapitalQ1 2022vs Q1 2021$325.5MM$273.3MM
Loan Loss AllowanceQ1 2022vs Q1 2021$14.8MM$13.1MM
Unbacked Noncurrent LoansQ1 2022vs Q1 2021$18.2MM$10.2MM
Real Estate OwnedQ1 2022vs Q1 2021$0$356.00K

Rates for American Heritage Federal Credit Union are currently being reviewed.



Philadelphia Area

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