Rates

*APY expressed as Annual Percentage Yield. For additional info, see our Truth In Savings Disclosure for Savings Accounts. Accounts earn dividends on the daily account balance and are posted monthly to the account. Fees may reduce earnings.

Account minimum balance to earn dividends: Share and Club Accounts $100; Totally Free Checking Account $1,000; Protection Checking Account $1,000 ($5 monthly service charge); VIP Checking Account $5,000; Platinum Checking Account $7,500; Cash Management Checking Account $7,500

*APY expressed as Annual Percentage Yield. For additional info, see our Truth In Savings Disclosure for Savings Accounts  Account minimum balance to earn dividends: Share and Club Accounts $100. Accounts earn dividends on the daily account balance, and are posted monthly to the account.

**Annual Percentage Yield (APY) for balances $10,000 and greater. Maximum deposit amount $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 once per monthly statement cycle via check, transfer or withdrawal, $25 fee for each additional withdrawal per statement cycle. Fees may reduce earnings. Rate effective as of December 23, 2024 and are subject to change. Not a member? Join today.

*APY expressed as Annual Percentage Yield. For additional info, see our Truth In Savings Disclosure for Savings Accounts. Accounts earn dividends on the daily account balance, and are posted monthly to the account excluding Certificates. Accounts closed prior to the end of the month will not receive a dividend.

Account minimum balance to earn dividends: Money Market Account $2,500; VIP Money Market Account $50,000; Platinum Money Market Account $75,000

Minimum withdrawal amount: Money Market Accounts and VIP Money Market Accounts $500; Platinum Money Market Account $1,000. Premature withdrawals are subject to penalty. Fees may reduce earnings.

All Rates are subject to change without notice. Rates listed paid on $1,000 minimum balance. $500 minimum balance Certificates and IRA Certificates available at 0.10% lower Annual Percentage Yield. Premature withdrawals are subject to penalty. Fees may reduce earnings.

*Annual Percentage Yield (APY) listed paid on $1,000 minimum balance. $500 minimum balance Share and IRA Certificates available at 0.10% lower Annual Percentage Yield. A penalty will or may be imposed for early withdrawal. Fees may reduce earnings. Rate effective as of December 16, 2024 and are subject to change. Not a member? Join today.

**Annual Percentage Yield (APY) listed paid on $1,000 minimum balance. $500 minimum balance Share and IRA Certificates available at 0.10% lower Annual Percentage Yield. 12-month, 4.20% APY available for Term Share IRA(s) only with a minimum balance of $1,000. A penalty will or may be imposed for early withdrawal. Rates are subject to change. Rate effective as of December 16, 2024, and are subject to change. Insured by NCUA. Not a member? Join today.

Bump-Up Certificates allow a one-time rate increase corresponding with 47-month fixed-rate American Heritage Credit Union certificates and 59-month fixed-rate American Heritage Credit Union certificates. The new rate will remain in effect until the certificate maturity date. A penalty may be imposed for early withdrawals.

Your savings federally insured to at least $250,000 by the National Credit Union Administration, a U.S. Government Agency backed by the full faith and credit of the United States Government. IRA and IRA Certificates insured up to $250,000 by the NCUA. An additional $250,000 worth of insurance is provided by the Excess Share Insurance Corporation, a private insurance company, for a total coverage of $500,000 for your retirement savings.

Not everyone that applies will qualify for the rates shown above. Rates shown above are based on an applicant FICO score of at least 740 for an owner-occupied home purchase, with a loan amount of $200,000 for all loans except Jumbo which is based on a $766,550 Loan amount, and a loan-to value ratio of no more than 60%. All loans are subject to individual credit approval and subject to change without notice. Please note that the rates posted are rate locks do not exceed 60 days. Pre-qualification is not a commitment to lend.

*Annual Percentage Rate (APR): Mortgages rates for investment properties are higher. Please Contact a Mortgage Representative at 215-969-2823 for the interest rates and fees for investment properties and for loans less than $50,000 or more than $726,200.

‡Adjustable Rate Mortgage (ARM) products feature payments that may change in the future. The fixed rate period varies based on the ARM loan you select: A 3/1 ARM has a fixed interest rate for three years (36 months), a 5/1 ARM has a fixed interest rate for five years (60 months) and a 7/1 ARM has a fixed interest rate for seven years (84 months). After the fixed rate period ends, the rate can then change every year (12 months) thereafter. The variable rate is based on the one-year Constant Maturity Treasury (CMT) yield, plus a fixed margin of 3.00%. Rate cannot increase or decrease by more than two percentage points annually or more than six percentage points over the life of the loan. Available for owner-occupied only. For purchase only. Up to 95% Loan to Value. Mortgage insurance required for Loan-to-Value ratios of 81% to 95%.

*Rates and promotions effective as of December 1, 2024, and are subject to be cancelled, extended, or changed without notice. Annual Percentage Rate (APR) is increased by .25% without payroll deduction or automatic payment. Annual Percentage Rates on these products are determined by an evaluation of applicant credit, collateral valuations, length of term and other considerations. Your rate may vary from the rate shown.

*Rates and promotions effective as of December 1, 2024, and are subject to be cancelled, extended, or changed without notice. Annual Percentage Rate (APR) for members who choose to make loan payments via payroll deduction or automatic payment from an American Heritage Credit Union account. APR is increased by .25% without payroll deduction or automatic payment. Rates for this product are determined by an evaluation of applicant credit. Your rate may vary from the rate shown. Borrowers of promotional refinance or purchase offer will skip first two payment cycles and then make 63 consecutive monthly payments. Sample Monthly Payment: $18.31 for every $1,000 borrowed at 5.49% APR at 63 months. Monthly payment (per $1,000) examples are based on longest term in each range. Your payment may vary. Auto Loan refinance rates available for vehicles not previously financed at American Heritage Credit Union. Rates available for automobile model years 2020 to present.

Not all applicants will be approved or receive the lowest rates stated. Interest will accrue during promotional deferred payment periods. Other rates and terms available for vehicles 2013 & earlier. Ask for details.

Monthly payment (per $1,000) examples are based on longest term in each range.

*Annual Percentage Rate (APR) for members who choose to make loan payments via payroll deduction or automatic payment from an American Heritage Federal Credit Union account. APR is increased by .25% without payroll deduction or automatic payment. Rates for this product are determined by an evaluation of applicant credit. Your rate may vary from the rate shown. Sample Monthly Payment: $15.68 for every $1000 borrowed at 14.24% APR at 120 months. Monthly payment (per $1,000) examples are based on longest term in each range. Your payment may vary.

*Annual Percentage Rate (APR) for members who choose to make loan payments via payroll deduction or automatic payment from an American Heritage Federal Credit Union account. APR is increased by .25% without payroll deduction or automatic payment. Rates for this product are determined by an evaluation of applicant credit. Your rate may vary from the rate shown. Sample Monthly Payment: $19.41 for every $1000 borrowed at 6.14% APR at 60 months. Monthly payment (per $1,000) examples are based on longest term in each range. Your payment may vary. Auto Loan rates available for vehicles not previously financed at American Heritage Federal Credit Union.

For Recreational Vehicles Model Years 2015 and earlier, please contact us.

*Annual Percentage Rate (APR) for members who choose to make loan payments via payroll deduction or automatic payment from an American Heritage Federal Credit Union account. APR is increased by .25% without payroll deduction or automatic payment. Rates for this product are determined by an evaluation of applicant credit. Your rate may vary from the rate shown. Sample Monthly Payment: $20.51 for every $1000 borrowed at 8.49% APR at 60 months

*Annual Percentage Rate (APR) for members who choose to make loan payments via payroll deduction or automatic payment from an American Heritage Federal Credit Union account. APR is increased by .25% without payroll deduction or automatic payment. Rates for this product are determined by an evaluation of applicant credit. Your rate may vary from the rate shown. Sample Monthly Payment: $19.69 for every $1000 borrowed at 6.74% APR at 60 months. Monthly payment (per $1,000) examples are based on longest term in each range. Your payment may vary. Auto Loan rates available for vehicles not previously financed at American Heritage Federal Credit Union.

*Rates shown include a 0.25% reduction to the Annual Percentage Rate, APR, if loan payments are made by Payroll Deduction or Automatic Transfer from an AMHFCU account. Annual percentage rates on these products are determined by an evaluation of applicant credit. Your rate may vary from the rate shown. All payments quoted are based on per $1,000 borrowed. Sample Monthly Payment Personal Line of Credit: $25.00 for every $1000 borrowed, The minimum payment is 2.5% of the loan limit. Monthly payment (per $1,000) examples are based on longest term in each range. Sample Monthly Payment Share Loan: $10.61 for every $1000 borrowed at 5.00% APR at 120 months. Monthly payment (per $1,000) examples are based on longest term in each range. Sample Monthly Payment IRA Loan: $43.88 for every $1000 borrowed at 5.00% APR at 24 months. Monthly payment (per $1,000) examples are based on longest term in each range.