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American Heritage Federal Credit Union

Popular Accounts at this Credit Union

2.36%4-year CD48 Month Share Certificate
2.60%5-year CD60 Month Share Certificate
2.31%3-year CD36 Month Share Certificate

Overview / Commentary
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 115th largest credit union in the nation. It was established in 1948 and as of December of 2017, it had grown to 486 employees and 167,851 members at 31 locations. American Heritage Federal Credit Union's CD rates are 2X 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.
See current membership details

Related Posts

American Heritage FCU Ups Nationally Available 5-Year CD - 1/1/2018

American Heritage FCU (easy membership) has raised the rate on its 60-month Share Certificate (2.60% APY). Minimum deposit is $1k. Also offered as an IRA.

American Heritage FCU Has Nationally Available 48-Month CD - 9/11/2017

American Heritage FCU (easy membership) increased the rate on its 48-month Share Certificate (2.26% APY). Minimum deposit is $1k. Also available as an IRA.

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Reviews (2)

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.

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.


Health Grade Components

NCUA #5621
Year Chartered1948
Primary Regulator
Profit Margin
Return on Assets - YTD0.77%
Return on Equity - YTD9.02%
Annual Interest Income$72.3MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$2.10B$1.85B
LoansQ4 2017vs Q4 2016$1.33B$1.08B
DepositsQ4 2017vs Q4 2016$1.54B$1.35B
Equity CapitalQ4 2017vs Q4 2016$177.4MM$157.8MM
Loan Loss AllowanceQ4 2017vs Q4 2016$8.0MM$6.8MM
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$10.8MM$10.1MM
Real Estate OwnedQ4 2017vs Q4 2016$1.2MM$1.1MM
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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

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

0.61%$75k-Platinum Money Market
0.56%$50k-VIP Money Market
0.51%*$25k*-Money Market Account
OTHER TIERS: 0.35% $2,500 - $25k

American Heritage Federal Credit Union Checking Account Rates

0.21%*$25k*-Platinum Checking Account
OTHER TIERS: 0.16% $7,500 - $25k
0.16%$7,500-Cash Management Checking
0.11%$1k-Totally Free Checking PLUS
0.11%$1k-Identity Protection Checking
0.11%$5k-VIP Checking

American Heritage Federal Credit Union CD Rates

4.00%$1k$2k4 Month CD Special (New Money)
2.60%$1k-60 Month Share Certificate
2.50%$1k-59 Month Bump-Up CD
2.36%$1k-48 Month Share Certificate
2.31%$1k-36 Month Share Certificate
2.21%$1k-30 Month Legacy Club Certificate
2.11%$1k-30 Month Share Certificate
2.10%$1k-47 Month Bump-Up CD
2.01%$1k-24 Month Share Certificate
1.81%$1k-12 Month Share Certificate
1.75%$1k-18 Month Share Certificate
1.70%$1k-15 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

4.00%$1k$2k4 Month IRA Special (New Money)
2.60%$1k-60 Month IRA Certificate
2.50%$1k-59 Month Bump-Up IRA
2.36%$1k-48 Month IRA Certificate
2.31%$1k-36 Month IRA Certificate
2.21%$1k-30 Month Legacy Club IRA Certificate
2.11%$1k-30 Month IRA Certificate
2.10%$1k-47 Month Bump-Up IRA
2.01%$1k-24 Month IRA Certificate
1.81%$1k-12 Month IRA Certificate
1.75%$1k-18 Month IRA Certificate
1.70%$1k-15 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