Share Loans

Rather than withdrawing your savings, a share loan allows you to borrow against your account balance—so your money can keep growing while you borrow.
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Share Loans

Share Secured Loans

  • Rates as low as 5.00% APR¹
  • A low interest loan option you can use to pay for one of life's many expenses.
  • Your savings account serves as collateral for the loan
  • Minimum loan is $300
  • Low interest rates, as low as 5.00% Annual Percentage Rate, subject to credit approval
  • Take up to 10 years to repay your loan
  • Continue to earn dividends on your savings account or Certificate
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Certificate Secured Loans

  • APR² 2% Above Current Term Share Certificate Rate
  • Borrow and earn interest with the money you've already saved.
  • Your Certificate account serves as collateral for the loan
  • Minimum loan is $300
  • Annual Percentage Rate is 2% above Certificate Dividend Rate, subject to credit approval
  • Continue to earn dividends on your Certificate
  • Certificate Secured Loan Term may not exceed Certificate Maturity Term
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Becoming a Member is Simple

Get access to these convenient and secure features by becoming a member and opening a checking and savings account today.
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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: $10.61 for every $1000 borrowed at 5% APR at 120 months. Monthly payment (per $1,000) examples are based on longest term in each range. Your payment may vary.

Rates, terms, and conditions are subject to change and may vary based on creditworthiness and qualifications. Loans are subject to credit approval. Sample Monthly Payment: $19.26 for every $1000 borrowed at 5.832% APR at 60 months. Monthly payment (per $1,000) examples are based on longest term. Your payment may vary.