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American Heritage Federal Credit Union Rates & Review June 2026

American Heritage Federal Credit Union's 12 Month CD (IRA Only) rates are at 3.91%. American Heritage Federal Credit Union's savings rates are at 3.10%. American Heritage Federal Credit Union's 7/1 Year ARM rates are at 5.50%, 5/1 Year ARM rates are at 5.25%, 15 Year Jumbo Loan rates are at 6.22%. 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 8.82%. Rates were last updated on 05/29/2026.

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.

Overall Health & Safety Grade ?
A
Excellent Health Score: 96/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
8.82%
Excellent Higher than avg
American Heritage Federal Credit Union
Administrative Offices
2060 Red Lion Rd
Philadelphia, PA 19115 1603
https://www.americanheritagecu.org
Member NCUA

American Heritage Federal Credit Union CD Rates

Product Rate APY Term View More
12 Month Certificate (IRA Only) - 3.91% 12
No additional details.
Last Updated 05/29/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.82%

American Heritage Federal Credit Union Savings Rates

Product Rate APY View More
Business High-Yield Savings - 3.10%
Min Deposit $10,000
Details Qualifying balance up to $1,000,000. Limit one High Yield Savings Account per member. $10,000 minimum opening deposit. $10 monthly service fee is waived if the daily balance is $10,000 or more. Account holder may withdraw funds three times per monthly statement cycle via check, transfer or withdrawal, $25 fee for each additional withdrawal per statement cycle. Fees may reduce earnings.
Last Updated 05/29/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.82%
High Yield Savings - 3.10%
No additional details.
Last Updated 05/29/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.82%

American Heritage Federal Credit Union Mortgage Rates

Product Rate Points APR Term View More
10-Year Conventional Loan - - 6.00%
No additional details.
Last Updated 05/29/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.82%
15-Year Conventional Loan - - 6.13%
No additional details.
Last Updated 05/29/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.82%
7/1 Year ARM 5.50% - 6.18% 7/1 Year ARM4
No additional details.
Last Updated 05/29/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.82%
5/1 Year ARM 5.25% - 6.22% 5/1 Year ARM4
No additional details.
Last Updated 05/29/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.82%
15 Year Jumbo Loan 6.22% - 6.25% 15 Year Jumbo
No additional details.
Last Updated 05/29/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.82%
30 Year Mortgage 6.31% - 6.38%
No additional details.
Last Updated 05/29/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.82%
20-Year Conventional Loan - - 6.63%
No additional details.
Last Updated 05/29/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.82%
30-Year Conventional Loan - - 6.75%
No additional details.
Last Updated 05/29/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.82%
30 Year FHA Loan 5.99% - 6.78% 30 Year FHA
No additional details.
Last Updated 05/29/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.82%
30 Year VA Loan 5.99% - 6.83% 30 Year VA
No additional details.
Last Updated 05/29/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.82%
15 Year FHA Loan 6.00% - 6.88% 15 Year FHA
No additional details.
Last Updated 05/29/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.82%
30 Year Jumbo Loan 6.99% - 7.01% 30 Year Jumbo
No additional details.
Last Updated 05/29/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.82%

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
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 653
Part-Time Employees 38
Branch Locations 38
ATM Locations 36
NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (96/100)
Texas Ratio
8.82%
Return on Assets (ROA)
0.5304%
Return on Equity (ROE)
6.4031%
Non-Performing Loans Ratio (NPL)
1.15%
Total Assets
5,174,375,122
Total Amount of Shares and Deposits
4,123,311,515
Total Shares and Deposits < 1 Year
3,825,985,331
Total Shares and Deposits 1 3 Years
233,362,892
Total Shares and Deposits > 3 Years
63,963,292
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
618,717,488
Total Uninsured Shares and Deposits > $250K (F+J)
618,717,488
Total Insured Shares and Deposits > $250K (item 17 less item K)
3,504,594,027
Total Interest Expense (Sum of items 6 8)
91,187,895
Share Certificates
44,017
Number of Accounts for Share Drafts
134,379
IRA KEOGH Accounts
22,703
Number of Accounts for Regular Shares
400,818
All other shares
4,945
Money Market Shares
3,265
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
605,924,664
Total Liabilities
4,761,469,711
Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Total Reviews
0
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Frequently Asked Questions About American Heritage Federal Credit Union

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.

Current American Heritage Federal Credit Union Rates

  • 12-Month CD3.91%
  • Savings3.10%
Retrieved from our database of financial products. Rates subject to change.