Certificates & IRAs

American Heritage IRA & Certificates

Start earning dividends, or interest on your funds today with our Certificates or IRA Certificates. Choose from our range of our high-yield short or long-term certificates from 3 months to 5 years. Open a Certificate account today with a low minimum deposit of $500 and begin earning the most from your funds!

We also offer a special Bump-Up Certificate! A Bump-Up Certificate gives you the option to increase your dividends one time during the term of your Certificate. Once you set the higher rate, it will remain the rate for the duration of your Certificate's term. Gain financial freedom with your investments with our Bump-Up Certificate!

American Heritage has great rates to earn interest on your funds. Choose the Certificate or IRA that best fits your financial timeline.

If you are looking for a more flexible option, check out our High-Yield Savings Account!

20 Month Certificate or IRA*

  • Take advantage of our 20 Month Certificate/IRA today and earn 2.25% APY*!!
  • Set aside funds that will grow steadily for this short time frame.
  • Our personalized products are made for our members to ensure that they have a secure financial future.

30 Month Jumbo Certificate***

  • Take advantage of our 30 Month Jumbo Certificate today and earn 3.00% APY***!!
  • Set aside funds that will grow steadily for this short time frame.
  • Our personalized products are made for our members to ensure that they have a secure financial future.

60 Month Certificate or IRA

  • Take advantage of our 60 Month Certificate/IRA today and earn 2.85% APY*!!
  • Set aside funds that will grow steadily for this short time frame.
  • Our personalized products are made for our members to ensure that they have a secure financial future.

Certificates / IRA Certificates

Term APY* Dividend Rate
3 Month 0.60% 0.598%
4 Month 0.60% 0.598%
4 Month (Special Promotion)** 4.00% 3.928%
5 Month 0.60% 0.598%
6 Month 0.60% 0.598%
7 Month 0.60% 0.598%
8 Month 0.75% 0.747%
9 Month 0.80% 0.797%
10 Month 0.85% 0.847%
11 Month 0.90% 0.896%
12 Month 1.35% 1.342%
13 Month 1.50% 1.490%
15 Month 1.75% 1.736%
18 Month 2.00% 1.982%
18 Month (Legacy Club) 2.10% 2.080%
20 Month 2.25% 2.227%
24 Month 2.30% 2.276%
30 Month 2.55% 2.520%
30 Month Jumbo*** 3.00% 2.960%
36 Month 2.65% 2.618%
48 Month 2.75% 2.716%
60 Month 2.85% 2.813%

Bump-Up Certificates / IRA

Term APY* Dividend Rate
47 Month 2.45% 2.423%
59 Month 2.55% 2.520%

Open a Certificate or IRA from American Heritage and get the most from your savings.

IRA Website Chart
Consult your tax advisor.

Looking for more ways to save?

Check out our great savings account options.

 

 

Planning for retirement?

Get the information you need to start paving the path to a comfortable retirement.

 

 

*Annual Percentage Yield (APY): Rate 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. Rates effective as of July 15, 2022, and are subject to change. Insured by NCUA. Not a member? Join today.

**Annual Percentage Yield (APY): One certificate per Membership Account. New money only. Maximum deposit of $2,000. 0.10% lower Annual Percentage Yield. Ask for details. All Rates are subject to change without notice.

***3.00% Annual Percentage Yield (APY) effective July 29, 2022 and subject to be cancelled, changed or withdrawn at any time without prior notice. Rates listed paid on $100,000 minimum balance. Share and IRA Certificates available at lower Annual Percentage Yield for balances under $100,000. A penalty will or may be imposed for early withdrawal. 30-month Jumbo special only available to existing members of American Heritage Credit Union, or new member Jumbo certificate account holders must be residents of Pennsylvania, New Jersey or Delaware.

Call 800-342-0008 for further rate details.