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American Heritage Federal Credit Union

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American Heritage Federal Credit Union Rates & Review November 2026

Q: What are the current interest rates at American Heritage Federal Credit Union?

Current rates for American Heritage Federal Credit Union include: 12-Month CD: 3.85%, 18-Month CD: 4.10%, 24-Month CD: 4.10%, 60-Month CD: 4.00%, Savings: 3.20%, MMA: 2.80%

Q: What CD terms does American Heritage Federal Credit Union offer?

American Heritage Federal Credit Union CD rates are 4.10% APY for a 12 month CD, 4.01% APY for a 13 month CD, 4.10% APY for an 18 month CD, 4.40% APY for a 20 month CD, 4.10% APY for a 2 year CD and 4.00% APY for a 5 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with American Heritage Federal Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 28, 2026

American Heritage Federal Credit Union's 20 Month CD rates are at 4.40%, 12 Month CD rates are at 4.10%, 18 Month CD rates are at 4.10%, 24 Month CD rates are at 4.10%, 13 Month CD rates are at 4.01%. American Heritage Federal Credit Union's savings rates are at 3.20%. American Heritage Federal Credit Union's money market rates are at 2.80%. American Heritage Federal Credit Union's checking rates are as high as 0.16%. American Heritage Federal Credit Union's Mortgage - 10 Year Loan rates are at 5.97%, Mortgage - 15 Year Loan rates are at 6.14%, Mortgage - 20 Year Loan rates are at 6.54%, 10-Year Conventional Refinance rates are at 6.75%, 15-Year Conventional Refinance rates are at 6.87%. American Heritage Federal Credit Union's Personal Loan Rates are as low as 5.00%. American Heritage Federal Credit Union's CD rates are 45% higher than the MonitorBankRates national average, and it has an A health rating. MonitorBankRates evaluates the financial stability of American Heritage Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 9.33%. Rates last updated and verified on 10/28/2026.

American Heritage Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at American Heritage Federal Credit Union? Share your experience about American Heritage Federal Credit Union by leaving a review below, or read customer reviews before you decide to use American Heritage Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

9.33%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

American Heritage Federal Credit Union
Administrative Offices

2060 Red Lion Rd
Philadelphia, PA 19115-1603

https://www.americanheritagecu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

American Heritage Federal Credit Union CD Rates

Product	Rate	APY	Term
20 Month Certificate	4.314%	4.40%	20 Month
Min Balance $1,000 Details APY paid on $1,000 minimum balance Last Updated 10/28/2026 Rate History 1 change since Oct 23, 2026 · 4.01% → 4.40% ▲ 0.39 pts · high 4.40% / low 4.01% Oct 28, 20264.40%▲ from 4.01% Oct 23, 20264.01%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.33%
15 Month Jumbo Certificate	4.17%	4.25%	15 Month
Min Balance $100,000 Details Jumbo; $100,000 minimum Last Updated 10/28/2026 Rate History 1 change since Sep 18, 2026 · 4.20% → 4.25% ▲ 0.05 pts · high 4.25% / low 4.20% Oct 23, 20264.25%▲ from 4.20% Sep 18, 20264.20%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.33%
12 Month IRA Certificate	4.121%	4.20%	12 Month
Min Balance $1,000 Details IRA Certificate; 12-month 4.20% APY available for Term Share IRA(s) only with a minimum balance of $1,000; penalty may be imposed for early withdrawal Last Updated 10/28/2026 Rate History 2 changes since Sep 14, 2026 · 3.91% → 4.20% ▲ 0.29 pts · high 4.20% / low 3.91% Oct 23, 20264.20%▲ from 4.10% Sep 18, 20264.10%▲ from 3.91% Sep 14, 20263.91%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.33%
18 Month Legacy Club Certificate	4.121%	4.20%	18 Month
Min Balance $1,000 Details Legacy Club; APY paid on $1,000 minimum balance Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 4.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.33%
12 Month Certificate	4.025%	4.10%	12 Month
Min Balance $1,000 Details APY paid on $1,000 minimum balance Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 4.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.33%
18 Month Certificate	4.025%	4.10%	18 Month
Min Balance $1,000 Details APY paid on $1,000 minimum balance Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 4.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.33%
24 Month Certificate	4.025%	4.10%	24 Month
Min Balance $1,000 Details APY paid on $1,000 minimum balance Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 4.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.33%
13 Month Certificate	3.938%	4.01%	13 Month
Min Balance $1,000 Details APY paid on $1,000 minimum balance Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 4.01% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.33%
15 Month Certificate	3.938%	4.01%	15 Month
Min Balance $1,000 Details APY paid on $1,000 minimum balance Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 4.01% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.33%
30 Month Certificate	3.938%	4.01%	30 Month
Min Balance $1,000 Details APY paid on $1,000 minimum balance Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 4.01% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.33%
36 Month Certificate	3.938%	4.01%	36 Month
Min Balance $1,000 Details APY paid on $1,000 minimum balance Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 4.01% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.33%
48 Month Certificate	3.938%	4.01%	48 Month
Min Balance $1,000 Details APY paid on $1,000 minimum balance Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 4.01% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.33%
60 Month Certificate	3.938%	4.01%	60 Month
Min Balance $1,000 Details APY paid on $1,000 minimum balance Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 4.01% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.33%
Bump-Up Certificate/IRA Certificate - 47 Month	3.928%	4.00%	47 Month
Min Balance $1,000 Details Bump-Up Certificate allows a one-time rate increase during the term; APY paid on $1,000 minimum balance; penalty may be imposed for early withdrawal; rate effective as of October 5, 2026 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.33%
Bump-Up Certificate/IRA Certificate - 59 Month	3.928%	4.00%	59 Month
Min Balance $1,000 Details Bump-Up Certificate allows a one-time rate increase during the term; APY paid on $1,000 minimum balance; penalty may be imposed for early withdrawal; rate effective as of October 5, 2026 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.33%
9 Month Certificate	3.841%	3.91%	9 Month
Min Balance $1,000 Details APY paid on $1,000 minimum balance Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.91% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.33%
10 Month Certificate	3.783%	3.85%	10 Month
Min Balance $1,000 Details APY paid on $1,000 minimum balance Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.85% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.33%
11 Month Certificate	3.783%	3.85%	11 Month
Min Balance $1,000 Details APY paid on $1,000 minimum balance Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.85% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.33%
6 Month Certificate	3.783%	3.85%	6 Month
Min Balance $1,000 Details APY paid on $1,000 minimum balance Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.85% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.33%
7 Month Certificate	3.783%	3.85%	7 Month
Min Balance $1,000 Details APY paid on $1,000 minimum balance Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.85% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.33%
8 Month Certificate	3.783%	3.85%	8 Month
Min Balance $1,000 Details APY paid on $1,000 minimum balance Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.85% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.33%
3 Month Certificate	3.59%	3.65%	3 Month
Min Balance $1,000 Details APY paid on $1,000 minimum balance Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.33%
4 Month Certificate	3.59%	3.65%	4 Month
Min Balance $1,000 Details APY paid on $1,000 minimum balance Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.33%
5 Month Certificate	3.59%	3.65%	5 Month
Min Balance $1,000 Details APY paid on $1,000 minimum balance Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.33%

American Heritage Federal Credit Union Savings Rates

Product	Rate	APY
High-Yield Savings	3.154%	3.20%
Min Deposit $10,000 Min Balance $10,000 Details Balance: $10,000 or more; APY for balances $10,000 and greater; Maximum deposit amount $1,000,000; Limit one High Yield Savings Account per member; $10 monthly service fee waived if daily balance is $10,000 or more; three withdrawals per monthly statement cycle, $25 fee for each additional withdrawal Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 3.10% → 3.20% ▲ 0.10 pts · high 3.20% / low 3.10% Sep 18, 20263.20%▲ from 3.10% Sep 14, 20263.10%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.33%
Platinum IRA Share	0.36%	0.36%
Min Balance $4,000 Details Balance: $4,000 or more Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.36% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.33%
Identity Protection Savings	0.16%	0.16%
Min Balance $10,000 Details Balance: $10,000 or more Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.16% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.33%
Primary Share Savings	0.16%	0.16%
Min Balance $10,000 Details Balance: $10,000 or more Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.16% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.33%
Identity Protection Savings	0.11%	0.11%
Min Balance $100 Details Balance: $100 to $9,999.99 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.11% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.33%
Primary Share Savings	0.11%	0.11%
Min Balance $100 Details Balance: $100 to $9,999.99 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.11% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.33%

American Heritage Federal Credit Union Money Market Rates

Product	Rate	APY
Platinum Money Market Account	2.765%	2.80%
Min Balance $75,000 Details Balance: $75,000 or more; Minimum withdrawal amount $1,000 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 2.80% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.33%
VIP Money Market Account	2.57%	2.60%
Min Balance $50,000 Details Balance: $50,000 or more; Account minimum to earn dividends: VIP Money Market Account $50,000; Rate effective as of October 1, 2025 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 2.60% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.33%
Money Market Account	2.423%	2.45%
Min Balance $25,000 Details Balance: $25,000 or more Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 2.45% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.33%
Money Market Account	2.188%	2.21%
Min Balance $2,000 Details Balance: $2,000 to $24,999.99 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 2.21% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.33%

American Heritage Federal Credit Union Checking Rates

Product	Rate	APY
Platinum Checking Account	0.16%	0.16%
Min Balance $25,000 Details Balance: $25,000 or more Last Updated 10/28/2026 Rate History No change since Sep 18, 2026 · 0.16% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.33%
Cash Management Checking	0.11%	0.11%
Min Balance $7,500 Details Account minimum to earn dividends: $7,500 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 0.11% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.33%
Platinum Checking Account	0.11%	0.11%
Min Balance $7,500 Details Account minimum to earn dividends: $7,500 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 0.11% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.33%
Identity Protection Checking	0.10%	0.10%
Min Balance $1,000 Details Account minimum to earn dividends: $1,000 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.33%
Totally Free Checking Plus	0.10%	0.10%
Min Balance $1,000 Details Account minimum to earn dividends: $1,000 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.33%
VIP Checking	0.10%	0.10%
Min Balance $5,000 Details Account minimum to earn dividends: $5,000 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.33%

American Heritage Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Mortgage - 10 Year Loan	5.971%	-	6.124%	10 Year
No additional details. Last Updated 10/28/2026 Rate History 3 changes since Sep 25, 2026 · 6.12% → 6.12% ▼ 0.00 pts · high 6.37% / low 6.12% Oct 28, 20266.12%▼ from 6.25% Oct 23, 20266.25%▼ from 6.37% Oct 12, 20266.37%▲ from 6.12% Sep 25, 20266.12%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.33%
Mortgage - 15 Year Loan	6.14%	-	6.249%	15 Year
No additional details. Last Updated 10/28/2026 Rate History 3 changes since Sep 25, 2026 · 6.25% → 6.25% ▼ 0.00 pts · high 6.50% / low 6.25% Oct 28, 20266.25%▼ from 6.37% Oct 23, 20266.37%▼ from 6.50% Oct 12, 20266.50%▲ from 6.25% Sep 25, 20266.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.33%
Mortgage - 20 Year Loan	6.536%	-	6.624%	20 Year
No additional details. Last Updated 10/28/2026 Rate History 3 changes since Sep 25, 2026 · 6.62% → 6.62% ▼ 0.00 pts · high 6.87% / low 6.62% Oct 28, 20266.62%▼ from 6.75% Oct 23, 20266.75%▼ from 6.87% Oct 12, 20266.87%▲ from 6.62% Sep 25, 20266.62%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.33%
10-Year Conventional Refinance	-	-	6.749%	10-Year
Details Refinance Rates; APR3; No Closing Costs offer for a limited time Last Updated 10/28/2026 Rate History 1 change since Oct 8, 2026 · 7.00% → 6.75% ▼ 0.25 pts · high 7.00% / low 6.75% Oct 28, 20266.75%▼ from 7.00% Oct 8, 20267.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.33%
15-Year Conventional Refinance	-	-	6.874%	15-Year
Details Refinance Rates; APR3; No Closing Costs offer for a limited time Last Updated 10/28/2026 Rate History 1 change since Oct 8, 2026 · 7.12% → 6.87% ▼ 0.25 pts · high 7.12% / low 6.87% Oct 28, 20266.87%▼ from 7.12% Oct 8, 20267.12%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.33%
15 Year Jumbo Loan	6.969%	-	6.999%	15 Year
Details Jumbo loan Last Updated 10/28/2026 Rate History 1 change since Oct 23, 2026 · 7.12% → 7.00% ▼ 0.13 pts · high 7.12% / low 7.00% Oct 28, 20267.00%▼ from 7.12% Oct 23, 20267.12%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.33%
7/1 Year ARM	6.50%	-	7.04%	7/1 Year
Details Adjustable rate mortgage Last Updated 10/28/2026 Rate History No change since Oct 28, 2026 · 7.04% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.33%
5/1 Year ARM	6.25%	-	7.058%	5/1 Year
Details Adjustable rate mortgage Last Updated 10/28/2026 Rate History 2 changes since Sep 17, 2026 · 6.89% → 7.06% ▲ 0.17 pts · high 7.06% / low 6.89% Oct 28, 20267.06%▲ from 6.94% Sep 25, 20266.94%▲ from 6.89% Sep 17, 20266.89%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.33%
Mortgage - 30 Year Loan	7.055%	-	7.124%	30 Year
No additional details. Last Updated 10/28/2026 Rate History 3 changes since Sep 25, 2026 · 7.12% → 7.12% ▼ 0.00 pts · high 7.37% / low 7.12% Oct 28, 20267.12%▼ from 7.25% Oct 23, 20267.25%▼ from 7.37% Oct 12, 20267.37%▲ from 7.12% Sep 25, 20267.12%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.33%
20-Year Conventional Refinance	-	-	7.374%	20-Year
Details Refinance Rates; APR3; No Closing Costs offer for a limited time Last Updated 10/28/2026 Rate History 1 change since Oct 8, 2026 · 7.62% → 7.37% ▼ 0.25 pts · high 7.62% / low 7.37% Oct 28, 20267.37%▼ from 7.62% Oct 8, 20267.62%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.33%
15 Year FHA Loan	6.50%	-	7.433%	15 Year
Details FHA loan Last Updated 10/28/2026 Rate History 1 change since Oct 23, 2026 · 7.47% → 7.43% ▼ 0.04 pts · high 7.47% / low 7.43% Oct 28, 20267.43%▼ from 7.47% Oct 23, 20267.47%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.33%
30-Year Conventional Refinance	-	-	7.624%	30-Year
Details Refinance Rates; APR3; No Closing Costs offer for a limited time Last Updated 10/28/2026 Rate History 1 change since Oct 8, 2026 · 7.87% → 7.62% ▼ 0.25 pts · high 7.87% / low 7.62% Oct 28, 20267.62%▼ from 7.87% Oct 8, 20267.87%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.33%
30 Year FHA Loan	6.875%	-	7.628%	30 Year
Details FHA loan Last Updated 10/28/2026 Rate History 1 change since Sep 17, 2026 · 7.43% → 7.63% ▲ 0.20 pts · high 7.63% / low 7.43% Oct 23, 20267.63%▲ from 7.43% Sep 17, 20267.43%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.33%
Mortgage - 30 Year VA Loan	6.875%	-	7.731%	30 Year
Details VA loan Last Updated 10/28/2026 Rate History 4 changes since Sep 25, 2026 · 7.73% → 7.73% ▼ 0.00 pts · high 7.89% / low 7.73% Oct 23, 20267.73%▼ from 7.86% Oct 15, 20267.86%▼ from 7.89% Oct 12, 20267.89%▲ from 7.86% Oct 2, 20267.86%▲ from 7.73% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.33%
30 Year Jumbo Loan	7.74%	-	7.759%	30 Year
Details Jumbo loan Last Updated 10/28/2026 Rate History 1 change since Oct 23, 2026 · 7.88% → 7.76% ▼ 0.13 pts · high 7.88% / low 7.76% Oct 28, 20267.76%▼ from 7.88% Oct 23, 20267.88%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.33%

American Heritage Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan (Up to 70% LTV)	-	-	5.24%	Up to 36 Months
Details As Low As; Up to 70% LTV Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 5.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.33%
Home Equity Loan (Up to 70% LTV)	-	-	5.99%	37 to 60 Months
Details As Low As; Up to 70% LTV Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 5.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.33%
Platinum Fixed-Rate HELOC (3DP/5A)	-	-	5.99%
Details As Low As; LTV: Up to 80% Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 5.74% → 5.99% ▲ 0.25 pts · high 5.99% / low 5.74% Sep 25, 20265.99%▲ from 5.74% Sep 14, 20265.74%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.33%
Gold Home Equity Line of Credit	-	-	6.24%
Details As Low As; LTV: Up to 70% Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 5.99% → 6.24% ▲ 0.25 pts · high 6.24% / low 5.99% Oct 2, 20266.24%▲ from 5.99% Sep 14, 20265.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.33%
Home Equity Loan (Up to 70% LTV)	-	-	6.24%	61 to 84 Months
Details As Low As; Up to 70% LTV Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 6.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.33%
Home Equity Loan (Up to 70% LTV)	-	-	6.49%	85 to 120 months
Details As Low As; Up to 70% LTV Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 6.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.33%
Platinum Fixed-Rate HELOC (3DP/10A)	-	-	6.49%
Details As Low As; LTV: Up to 80% Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 6.24% → 6.49% ▲ 0.25 pts · high 6.49% / low 6.24% Sep 25, 20266.49%▲ from 6.24% Sep 14, 20266.24%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.33%
Interest-Only HELOC	-	-	6.50%
Details As Low As; LTV: Up to 70% Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 6.25% → 6.50% ▲ 0.25 pts · high 6.50% / low 6.25% Oct 2, 20266.50%▲ from 6.25% Sep 14, 20266.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.33%
Gold Home Equity Line of Credit	-	-	7.24%
Details As Low As; LTV: 80.001 - 90% Last Updated 10/28/2026 Rate History 2 changes since Sep 14, 2026 · 5.99% → 7.24% ▲ 1.25 pts · high 7.24% / low 5.99% Oct 2, 20267.24%▲ from 6.99% Sep 25, 20266.99%▲ from 5.99% Sep 14, 20265.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.33%
Home Equity Loan (Up to 70% LTV)	-	-	7.24%	121 to 180 Months
Details As Low As; Up to 70% LTV Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 7.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.33%
Platinum Fixed-Rate HELOC (3DP/5A)	-	-	7.49%
Details As Low As; LTV: 80.001% - 95% Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 7.24% → 7.49% ▲ 0.25 pts · high 7.49% / low 7.24% Sep 25, 20267.49%▲ from 7.24% Sep 14, 20267.24%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.33%
Gold Home Equity Line of Credit	-	-	7.74%
Details As Low As; LTV: 90.001 - 95% Last Updated 10/28/2026 Rate History 2 changes since Sep 14, 2026 · 5.99% → 7.74% ▲ 1.75 pts · high 7.74% / low 5.99% Oct 2, 20267.74%▲ from 7.49% Sep 25, 20267.49%▲ from 5.99% Sep 14, 20265.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.33%
Interest-Only HELOC	-	-	7.74%
Details As Low As; LTV: 80.001 - 90% Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 7.49% → 7.74% ▲ 0.25 pts · high 7.74% / low 7.49% Oct 2, 20267.74%▲ from 7.49% Sep 14, 20267.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.33%
Platinum Fixed-Rate HELOC (3DP/15A)	-	-	7.74%
Details As Low As; LTV: Up to 70% Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 7.74% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.33%
Platinum Fixed-Rate HELOC (3DP/10A)	-	-	7.99%
Details As Low As; LTV: 80.001 - 95% Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 7.74% → 7.99% ▲ 0.25 pts · high 7.99% / low 7.74% Sep 25, 20267.99%▲ from 7.74% Sep 14, 20267.74%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.33%
Platinum Fixed-Rate HELOC (3DP/15A)	-	-	7.99%
Details As Low As; LTV: 70.001 - 80% Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 7.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.33%
Interest-Only HELOC	-	-	8.24%
Details As Low As; LTV: 90.001 - 95% Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 7.99% → 8.24% ▲ 0.25 pts · high 8.24% / low 7.99% Oct 2, 20268.24%▲ from 7.99% Sep 14, 20267.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.33%
Platinum Fixed-Rate HELOC (3DP/15A)	-	-	8.24%
Details As Low As; LTV: 80.001 - 90% Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 8.24% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.33%
Platinum Fixed-Rate HELOC (3DP/15A)	-	-	8.49%
Details As Low As; LTV: 90.001 - 95% Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 8.24% → 8.49% ▲ 0.25 pts · high 8.49% / low 8.24% Sep 25, 20268.49%▲ from 8.24% Sep 14, 20268.24%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.33%

American Heritage Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan (2024 - 2026)	-	-	5.49%	Up to 63 Months
Details As Low As; Model years 2024 - 2026; APR is increased by .25% without payroll deduction or automatic payment Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 5.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.33%
Auto Loan (2024 - 2026)	-	-	5.74%	64 to 75 Months
Details As Low As; Model years 2024 - 2026; APR is increased by .25% without payroll deduction or automatic payment Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 5.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.33%
Auto Loan (2020 - 2023 Model Years)	-	-	5.84%	Up to 63 Months
Details As Low As; Model Years 2020 - 2023; APR for payroll deduction or automatic payment; APR increased by .25% without payroll deduction or automatic payment Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 5.84% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.33%
Auto Loan (2020 - 2023 Model Years)	-	-	6.44%	64 to 75 Months
Details As Low As; Model Years 2020 - 2023; APR for payroll deduction or automatic payment; APR increased by .25% without payroll deduction or automatic payment Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 6.44% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.33%
Auto Loan (2024 - 2026)	-	-	6.49%	76 - 84 Months
Details As Low As; Model years 2024 - 2026; APR is increased by .25% without payroll deduction or automatic payment Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 6.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.33%
Auto Loan (2018 - 2019)	-	-	8.94%	Up to 63 Months
Details As Low As; Vehicle model years 2018 - 2019; APR is increased by .25% without payroll deduction or automatic payment Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 8.94% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.33%
Auto Loan (2018 - 2019)	-	-	9.44%	64 to 75 Months
Details As Low As; Vehicle model years 2018 - 2019; APR is increased by .25% without payroll deduction or automatic payment Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 9.44% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.33%
Auto Loan (2017 & Earlier)	-	-	9.94%	Up to 63 Months
Details As Low As; Model Year: 2017 & Earlier; APR is increased by .25% without payroll deduction or automatic payment Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 9.94% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.33%
Auto Loan (2017 & Earlier)	-	-	10.94%	64 to 75 Months
Details As Low As; Model Year: 2017 & Earlier; APR is increased by .25% without payroll deduction or automatic payment Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 10.94% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.33%

American Heritage Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycle Loan	-	5.89%	0-36 Months
Details As Low As; Model Year: 2025-2026; Loan amount: $5,000+; APR increased .25% without payroll deduction or automatic payment Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 5.39% → 5.89% ▲ 0.50 pts · high 5.89% / low 5.39% Oct 8, 20265.89%▲ from 5.39% Sep 14, 20265.39%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.33%
Motorcycle Loan	-	6.14%	37-60 Months
Details As Low As; Model Year: 2025-2026; Loan amount: $10,000+; APR increased .25% without payroll deduction or automatic payment Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 5.64% → 6.14% ▲ 0.50 pts · high 6.14% / low 5.64% Oct 8, 20266.14%▲ from 5.64% Sep 14, 20265.64%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.33%
Motorcycle Loan	-	6.39%	61-72 Months
Details As Low As; Model Year: 2025-2026; Loan amount: $25,000+; APR increased .25% without payroll deduction or automatic payment Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 5.89% → 6.39% ▲ 0.50 pts · high 6.39% / low 5.89% Oct 8, 20266.39%▲ from 5.89% Sep 14, 20265.89%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.33%
Power Watercraft & ATV Loan	-	6.49%	0-36 Months
Details As Low As; Model Year: 2025-2026; Balance: $5,000+; APR increased by 0.25% without payroll deduction or automatic payment Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 6.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.33%
Power Watercraft & ATV Loan	-	6.74%	37-60 Months
Details As Low As; Model Year: 2025-2026; Balance: $10,000+; APR increased by 0.25% without payroll deduction or automatic payment Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 6.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.33%
Motorcycle Loan	-	6.89%	0-36 Months
Details As Low As; Model Year: 2019-2024; Loan amount: $5,000+; APR increased .25% without payroll deduction or automatic payment Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 6.39% → 6.89% ▲ 0.50 pts · high 6.89% / low 6.39% Oct 8, 20266.89%▲ from 6.39% Sep 14, 20266.39%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.33%
Power Watercraft & ATV Loan	-	6.99%	61-72 Months
Details As Low As; Model Year: 2025-2026; Balance: up to $15,000; APR increased by 0.25% without payroll deduction or automatic payment Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 6.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.33%
Recreational Vehicle Loan	-	6.99%	up to 180 months
Details As Low As; Model Year: 2018 & Earlier; Loan Amount: $50,000 to $74,999; APR is increased by .25% without payroll deduction or automatic payment Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 6.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.33%
Motorcycle Loan	-	7.14%	37-60 Months
Details As Low As; Model Year: 2019-2024; Loan amount: $10,000+; APR increased .25% without payroll deduction or automatic payment Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 6.64% → 7.14% ▲ 0.50 pts · high 7.14% / low 6.64% Oct 8, 20267.14%▲ from 6.64% Sep 14, 20266.64%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.33%
Recreational Vehicle Loan	-	7.24%	up to 180 months
Details As Low As; Model Year: 2019 - 2026; Loan Amount: $25,000 to $49,999; APR is increased by .25% without payroll deduction or automatic payment Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 7.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.33%
Motorcycle Loan	-	7.39%	61-71 Months
Details As Low As; Model Year: 2019-2024; Loan amount: $25,000+; APR increased .25% without payroll deduction or automatic payment Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 6.89% → 7.39% ▲ 0.50 pts · high 7.39% / low 6.89% Oct 8, 20267.39%▲ from 6.89% Sep 14, 20266.89%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.33%
Motorcycle Loan	-	7.49%	0-60 Months
Details As Low As; Model Year: 2018 And Earlier; APR increased .25% without payroll deduction or automatic payment Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 7.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.33%
Power Watercraft & ATV Loan	-	7.49%	0-36 Months
Details As Low As; Model Year: 2019-2024; Balance: $5,000+; APR increased by 0.25% without payroll deduction or automatic payment Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 7.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.33%
Recreational Vehicle Loan	-	7.49%	up to 120 months
Details As Low As; Model Year: 2019 - 2026; Loan Amount: $10,001 to $24,999; APR is increased by .25% without payroll deduction or automatic payment Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 7.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.33%
Power Watercraft & ATV Loan	-	7.74%	37-60 Months
Details As Low As; Model Year: 2018-2023; Balance: $10,000+; APR increased by 0.25% without payroll deduction or automatic payment Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 7.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.33%
Power Watercraft & ATV Loan	-	7.99%	61-72 Months
Details As Low As; Model Year: 2019-2024; Balance: up to $15,000; APR increased by 0.25% without payroll deduction or automatic payment Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 7.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.33%
Recreational Vehicle Loan	-	8.49%	up to 84 months
Details As Low As; Model Year: 2019 - 2026; Loan Amount: $5,000 to $10,000; APR is increased by .25% without payroll deduction or automatic payment Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 8.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.33%
Power Watercraft & ATV Loan	-	9.49%	Up to 60 Months
Details As Low As; Model Year: 2018 And Earlier; Balance: $10,000+; APR increased by 0.25% without payroll deduction or automatic payment Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 9.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.33%

American Heritage Federal Credit Union Personal Loan Rates

Product	APR	Term
Share Loans	5.00%	Up to 10 Years
Details As Low As; Share Loans (Up to 10 Years) Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 5.00% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.33%
Personal Line of Credit	12.65%
Details As Low As; Variable Rate Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 12.65% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.33%

American Heritage Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
IRA Loans (To Fund an IRA)	-	-	5.00%	2 Year
Details As Low As; To Fund an IRA Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 5.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.33%
Regular IRA	0.31%	-	0.31%
Min Balance $1,000 Details APY listed paid on $1,000 minimum balance Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 0.31% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.33%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

American Heritage Federal Credit Union’s Texas Ratio rose from 8.36% in Q3 2023 to 9.33% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$5.4B	9.33%	5.0	A
March 31, 2026	$5.3B	6.83%	5.0	A
December 31, 2025	$5.2B	8.37%	5.0	A
September 30, 2025	$5.2B	8.82%	5.0	A
June 30, 2025	$5.2B	10.28%	5.0	A
March 31, 2025	$5.0B	8.36%	5.0	A
December 31, 2024	$5.1B	8.65%	5.0	A
September 30, 2024	$4.8B	8.02%	5.0	A
June 30, 2024	$4.9B	8.45%	5.0	A
March 31, 2024	$4.9B	11.42%	5.0	A
December 31, 2023	$4.8B	10.77%	5.0	A
September 30, 2023	$4.7B	8.36%	5.0	A

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for American Heritage Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather American Heritage Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with American Heritage Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name American Heritage Federal Credit Union

Website https://www.americanheritagecu.org

Address 2060 Red Lion Rd, Philadelphia, PA 19115-1603

Phone 215-969-0777

Fax 215-969-0464

President Gary Weyhmuller

CEO Bruce Foulke

Full-Time Employees 676

Part-Time Employees 38

Branch Locations 38

ATM Locations 37

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (95/100)

Texas Ratio

9.33%

Return on Assets (ROA)

0.2645%

Return on Equity (ROE)

3.1384%

Non-Performing Loans Ratio (NPL)

1.23%

Total Assets

5,356,588,187

Total Amount of Shares and Deposits

4,406,105,321

Total Shares and Deposits < 1 Year

3,986,183,390

Total Shares and Deposits 1 3 Years

345,861,324

Total Shares and Deposits > 3 Years

74,060,607

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

689,009,927

Total Uninsured Shares and Deposits > $250K (F+J)

689,009,927

Total Insured Shares and Deposits > $250K (item 17 less item K)

3,717,095,394

Total Interest Expense (Sum of items 6 8)

61,133,446

Share Certificates

44,060

Number of Accounts for Share Drafts

136,039

IRA KEOGH Accounts

22,639

Number of Accounts for Regular Shares

406,207

All other shares

4,841

Money Market Shares

3,243

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

422,283,625

Total Liabilities

4,929,615,065

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

American Heritage Federal Credit Union earned the Verified Healthy badge

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Customer Reviews

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Frequently Asked Questions About American Heritage Federal Credit Union

Does American Heritage Federal Credit Union offer CDs?

Yes. American Heritage Federal Credit Union current CD rates include its 20 Month CD at 4.40% APY, its 12 Month CD at 4.10% APY and its 18 Month CD at 4.10% APY, verified by MonitorBankRates as of October 28, 2026.

Are CDs from American Heritage Federal Credit Union NCUA insured?

Yes. American Heritage Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at American Heritage Federal Credit Union?

The highest American Heritage Federal Credit Union CD rate is its 20 Month CD at 4.40% APY, verified by MonitorBankRates as of October 28, 2026.

What CD terms does American Heritage Federal Credit Union offer?

American Heritage Federal Credit Union CD rates are 4.10% APY for a 12 month CD, 4.01% APY for a 13 month CD, 4.10% APY for an 18 month CD, 4.40% APY for a 20 month CD, 4.10% APY for a 2 year CD and 4.00% APY for a 5 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with American Heritage Federal Credit Union for its full lineup.

What is the highest savings rate at American Heritage Federal Credit Union?

The highest American Heritage Federal Credit Union savings rate is its High-Yield Savings at 3.20% APY, verified by MonitorBankRates as of October 28, 2026.

What is the highest money market rate at American Heritage Federal Credit Union?

The highest American Heritage Federal Credit Union money market rate is its Platinum Money Market Account at 2.80% APY, verified by MonitorBankRates as of October 28, 2026.

What is the highest checking rate at American Heritage Federal Credit Union?

The highest American Heritage Federal Credit Union checking rate is its Platinum Checking Account at 0.16% APY, verified by MonitorBankRates as of October 28, 2026.

What is the lowest mortgage rate at American Heritage Federal Credit Union?

The lowest American Heritage Federal Credit Union mortgage rate is its Mortgage - 10 Year Loan at 5.971%, verified by MonitorBankRates as of October 28, 2026. American Heritage Federal Credit Union mortgage rates are 7.055% for a 30 year mortgage, 6.536% for a 20 year mortgage, 6.14% for a 15 year mortgage, 5.971% for a 10 year mortgage and 6.25% for a 1 year mortgage.

What is the lowest auto loan rate at American Heritage Federal Credit Union?

The lowest American Heritage Federal Credit Union auto loan rate is its Auto Loan (2024 - 2026) at 5.49% APR, verified by MonitorBankRates as of October 28, 2026.

What is the lowest personal loan rate at American Heritage Federal Credit Union?

The lowest American Heritage Federal Credit Union personal loan rate is its Personal Line of Credit at 12.65% APR, verified by MonitorBankRates as of October 28, 2026.

How many branches does American Heritage Federal Credit Union operate?

American Heritage Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join American Heritage Federal Credit Union?

Yes, to access services at American Heritage Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, American Heritage Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, American Heritage Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does American Heritage Federal Credit Union offer online and mobile banking?

Most modern institutions like American Heritage Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.americanheritagecu.org.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do American Heritage Federal Credit Union rates compare?

American Heritage Federal Credit Union's CD rates are 45% higher than the MonitorBankRates national average, and it has an A health rating. American Heritage Federal Credit Union's top rates are its 20 Month CD at 4.40% APY, its High-Yield Savings at 3.20% APY, its Platinum Money Market Account at 2.80% APY, its Platinum Checking Account at 0.16% APY, its Mortgage - 10 Year Loan at 5.971% and its Share Loans at 5.00% APR, verified by MonitorBankRates on October 28, 2026.

Current American Heritage Federal Credit Union Rates

12-Month CD3.85%
18-Month CD4.10%
24-Month CD4.10%
60-Month CD4.00%
Savings3.20%
MMA2.80%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

American Heritage Federal Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

American Heritage Federal Credit Union Texas Ratio

American Heritage Federal Credit Union Health Trend

American Heritage Federal Credit Union CD Rates

American Heritage Federal Credit Union Savings Rates

American Heritage Federal Credit Union Money Market Rates

American Heritage Federal Credit Union Checking Rates

American Heritage Federal Credit Union Mortgage Rates

American Heritage Federal Credit Union Home Equity & HELOC

American Heritage Federal Credit Union Auto Loan Rates

American Heritage Federal Credit Union RV, Boat and Powersport Loan Rates

American Heritage Federal Credit Union Personal Loan Rates

American Heritage Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

American Heritage Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About American Heritage Federal Credit Union

Does American Heritage Federal Credit Union offer CDs?

Are CDs from American Heritage Federal Credit Union NCUA insured?

What is the highest CD rate at American Heritage Federal Credit Union?

What CD terms does American Heritage Federal Credit Union offer?

What is the highest savings rate at American Heritage Federal Credit Union?

What is the highest money market rate at American Heritage Federal Credit Union?

What is the highest checking rate at American Heritage Federal Credit Union?

What is the lowest mortgage rate at American Heritage Federal Credit Union?

What is the lowest auto loan rate at American Heritage Federal Credit Union?

What is the lowest personal loan rate at American Heritage Federal Credit Union?

How many branches does American Heritage Federal Credit Union operate?

Is a member application needed to join American Heritage Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does American Heritage Federal Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do American Heritage Federal Credit Union rates compare?

Current American Heritage Federal Credit Union Rates

Compare to Other Credit Unions