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 82nd largest credit union in the nation. It was established in 1948 and as of June of 2023, it had grown to 628 employees and 296,589 members at 32 locations. American Heritage Federal Credit Union's savings rates are 7X 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

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Love my credit union

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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.

Require All Slips Signature

Posted by: |

I stopped going to Red Lion Rd before the plandemic. The reason was the girls were putting in complaints about me and referencing certain things they felt not so comfortable. Well be respectful to the dress code and stop dressing up skanks. One dressed up like they were a night club or something.

I did consult a lawyer and the lawyer told me nothing they could do about it and they have to deal with their bullshit.

Coin machines not even worth it. the teller machines not worth it. no one needs to look to see what your amts in your accounts are.

If I had a loan close to being paid off I would go some place else. The programmer needs to do better job.

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.

Receiving Loan Payment Nightmare

Posted by: |

The nicest people work here. You can tell over the phone that they do care and their culture is wholsesome. Having said that, I believe that their systems need upgrading. I have an auto loan with this bank and I tell you, it is very confusing and difficult to make a loan payment on their site. I have to constantly use my other credit union (PSECU) to send AHCU money. Making a payment should be the EASIEST of all financial transactions, however, with American Heritage Credit Union, that does not seem to be the case



Health Grade Components

NCUA #5621
Year Chartered1948
Primary Regulator
Profit Margin
Return on Assets - YTD0.84%
Return on Equity - YTD10.89%
Annual Interest Income$107.9MM
Assets and Liabilities
AssetsQ2 2023vs Q2 2022$4.67B$4.07B
LoansQ2 2023vs Q2 2022$3.62B$3.05B
DepositsQ2 2023vs Q2 2022$3.52B$3.18B
Equity CapitalQ2 2023vs Q2 2022$359.0MM$324.7MM
Loan Loss AllowanceQ2 2023vs Q2 2022$16.5MM$15.1MM
Unbacked Noncurrent LoansQ2 2023vs Q2 2022$30.2MM$20.3MM
Real Estate OwnedQ2 2023vs Q2 2022$0$0
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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

3.65%$10k$1mHigh-Yield Savings (New Money Only)
3.65%$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

2.50%$75k-Platinum Money Market
2.30%$50k-VIP Money Market
2.15%*$25k*-Money Market Account
OTHER TIERS: 1.81% $2k - $25k

American Heritage Federal Credit Union Checking Account Rates

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

5.50%$100k-11 Month Jumbo Share Certificate
5.25%$1k-11 Month Share Certificate
5.25%$500-Business 11 Month Share Certificate
5.00%$1k-5 Month Share Certificate
5.00%$1k-12 Month Share Certificate
5.00%$1k-15 Month Share Certificate
5.00%$500-Business 5 Month Share Certificate
5.00%$500-Business 12 Month Share Certificate
5.00%$500-Business 15 Month Share Certificate
4.85%$1k-18 Month Share Certificate (Legacy Club)
4.75%$1k-13 Month Share Certificate
4.75%$1k-18 Month Share Certificate
4.75%$500-Business 13 Month Share Certificate
4.75%$500-Business 18 Month Share Certificate
4.75%$1k-20 Month Share Certificate
4.75%$500-Business 20 Month Share Certificate
4.50%$1k-3 Month Share Certificate
4.50%$1k-6 Month Share Certificate
4.50%$1k-7 Month Share Certificate
4.50%$1k-8 Month Share Certificate
4.50%$1k-9 Month Share Certificate
4.50%$1k-10 Month Share Certificate
4.50%$1k-24 Month Share Certificate
4.50%$1k-4 Month Share Certificate
4.50%$500-Business 3 Month Share Certificate
4.50%$500-Business 4 Month Share Certificate
4.50%$500-Business 6 Month Share Certificate
4.50%$500-Business 7 Month Share Certificate
4.50%$500-Business 8 Month Share Certificate
4.50%$500-Business 9 Month Share Certificate
4.50%$500-Business 10 Month Share Certificate
4.50%$500-Business 24 Month Share Certificate
4.25%$1k-30 Month Share Certificate
4.25%$1k-36 Month Share Certificate
4.25%$500-Business 30 Month Share Certificate
4.25%$500-Business 36 Month Share Certificate
4.00%$1k-48 Month Share Certificate
4.00%$1k-60 Month Share Certificate
4.00%$500-Business 48 Month Share Certificate
4.00%$500-Business 60 Month Share Certificate
3.80%$1k-59 Month Bump-Up CD
3.70%$1k-47 Month Bump-Up CD

American Heritage Federal Credit Union IRA Rates

5.50%$50k-11 Month Jumbo IRA Certificate
5.50%$1k-13 Month IRA Certificate Special
5.25%$1k-11 Month IRA Certificate
5.00%$1k-5 Month IRA Certificate
5.00%$1k-12 Month IRA Certificate
5.00%$1k-15 Month IRA Certificate
4.85%$1k-18 Month IRA Certificate (Legacy Club)
4.75%$1k-13 Month IRA Certificate
4.75%$1k-18 Month IRA Certificate
4.75%$1k-20 Month IRA Certificate
4.50%$1k-3 Month IRA Certificate
4.50%$1k-6 Month IRA Certificate
4.50%$1k-7 Month IRA Certificate
4.50%$1k-8 Month IRA Certificate
4.50%$1k-9 Month IRA Certificate
4.50%$1k-10 Month IRA Certificate
4.50%$1k-24 Month IRA Certificate
4.50%$1k-4 Month IRA Certificate
4.25%$1k-30 Month IRA Certificate
4.25%$1k-36 Month IRA Certificate
4.00%$1k-48 Month IRA Certificate
4.00%$1k-60 Month IRA Certificate
3.80%$1k-59 Month Bump-Up IRA
3.70%$1k-47 Month Bump-Up IRA


Philadelphia Area

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