Accounts

We offer a variety of accounts that will perfectly fit your lifestyle. All checking accounts include free member services such as debit cards with rewards as well as access to more than 30,000 surcharge-free ATMs. 

 

No matter where you are in life or how much you’ve saved so far, we’re here to help you make the most of your money. Whether you’re in school, starting your first job, raising a family, or preparing for retirement or a special occasion, you’ll find an account at American Heritage that fits your needs and goals. Plus, we make it easy to track your balance with our Online Teller, Mobile Teller app, and Phone Teller.

Savings Accounts

Choose from one of American Heritage Credit Union's great savings accounts and watch as your financial dreams become a reality.

High-Yield Savings Account

Earn more on your funds with great rates. Choose the Certificate or IRA that best fits your financial timeline, or American Heritage's Highest-Yielding Savings account.

Money Market

Earn more while having the flexibility to access your funds with American Heritage Credit Union's Money Market accounts.

Youth Accounts

Help your child develop healthy spending and saving habits with one of AHFCU many unique youth accounts that will fit the specific needs of your child.

Educational Savings Account

American Heritage Credit Union wants the best for your child. Start saving with our Education Savings Account, ensure your child has the brightest future.

Independence Debit Card

American Heritage CU's Independence Debit Card provides the ultimate customer convenience and security while earning ScoreCard Rewards.

Credit Cards

An American Heritage Mastercard® gives American Heritage CU customers a secure card for everyday transactions that earns rewards with every purchase.

ATM/Debit Card

Get easy access to the cash in your American Heritage Credit Union checking account and make purchases at any merchant that accepts an ATM card.

Prepaid Card

American Heritage Credit Union has teamed up with VISA® to bring you the convenience of prepaid cards! Learn more!

Helpful Savings  Tips

How to Financially Prepare for Parental Leave

By: John Lutz
07.24.25
If you’ll be welcoming, or recently welcomed, a child into the world, congratulations! This should truly be a pivotal and beautiful moment in your life. But with all the happiness and joy, there may also come some anxiety, particularly around finances. But with the right financial plan and budget, you can set yourself and your family up for successful parental leave.

Vacation Smarter: How to Budget for the Unexpected

By: American Heritage
07.17.25
Your summer vacation should be full of sunshine, relaxation, and unforgettable memories, not unexpected bills. But even the best-planned trip can come with surprise expenses that throw your budget off course. From hidden fees to unexpected detours, staying financially prepared can make all the difference.

Renter-Friendly DIY Projects to Refresh Your Space

By: Nick Franks
07.15.25
Personalize your rental without losing your deposit with these renter-friendly DIY upgrades—from peel-and-stick wallpaper to clever storage and lighting solutions—that are affordable, reversible, and full of personality. With a few simple projects, you can refresh your space and make it feel like home without making permanent changes.

Saving for Your Education: Understanding a 529 Plan

By: John Lutz
05.29.25
Education is a foundational right deserved by all citizens. A 529 Plan is a tax-advantaged account that you can explore to save for higher education and cover educational expenses.

Important Disclosures

The National Credit Union Administration, a U.S. Government agency, insures your shares at American Heritage up to $250,000. IRA and IRA Certificates are insured an additional $250,000 by the Excess Share Insurance Corporation, a private insurance company. You have the security and peace of mind of knowing that your retirement savings are insured up to $500,000.