Rates
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| Account Type | APY¹ | Dividend Rate |
|---|---|---|
| Totally Free Checking Plus | 0.10% | 0.100% |
| Identity Protection Checking | 0.10% | 0.100% |
| VIP Checking | 0.10% | 0.100% |
| Platinum Checking Account | 0.11% | 0.110% |
| Platinum Checking Account (Balances of $25,000 or more) | 0.16% | 0.160% |
| Cash Management Checking | 0.11% | 0.110% |
APY expressed as Annual Percentage Yield. Dividend rates are variable and subject to change after the account is opened. Rates listed paid on $1,000 minimum balance. Accounts closed prior to the end of the month will not receive a dividend. Account minimum to earn dividends: Share and Club Accounts $100; Totally Free Checking Account $1,000; Identity Protection Checking Account $1,000; VIP Checking Account $5,000; Platinum Checking Account $7,500; Cash Management Checking Account $7,500. 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. Fees may reduce earnings. For additional info, see our Truth In Savings Disclosure for Savings Accounts.
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
Not all applicants will be approved or receive the lowest rates stated.
Savings
| Balance | APY¹ | Dividend Rate |
|---|---|---|
| $100 to $9,999.99 | 0.11% | 0.110% |
| $10,000 or more | 0.16% | 0.160% |
| Balance | APY¹ | Dividend Rate |
|---|---|---|
| $100 to $9,999.99 | 0.11% | 0.110% |
| $10,000 or more | 0.16% | 0.160% |
| Balance | APY¹ | Dividend Rate |
|---|---|---|
| $10,000 or more | 3.15% | 3.105% |
| Balance | APY¹ | Dividend Rate |
|---|---|---|
| $100 to $9,999.99 | 0.11% | 0.100% |
| $10,000 or more | 0.16% | 0.160% |
| Balance | APY¹ | Dividend Rate |
|---|---|---|
| $100 to $9,999.99 | 0.11% | 0.110% |
| $10,000 or more | 0.16% | 0.160% |
| Balance | APY¹ | Dividend Rate |
|---|---|---|
| $100 to $9,999.99 | 0.11% | 0.110% |
| $10,000 or more | 0.16% | 0.160% |
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 three times 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 October 1, 2025 and are subject to change. Not a member? Join today.
Not all applicants will be approved or receive the lowest rates stated.
Money Market Accounts
| Balance | APY¹ | Dividend Rate |
|---|---|---|
| $2,000 to $24,999.99 | 2.21% | 2.188% |
| $25,000 or more | 2.45% | 2.423% |
| Balance | APY¹ | Dividend Rate |
|---|---|---|
| $50,000 or more | 2.60% | 2.570% |
| Balance | APY¹ | Dividend Rate |
|---|---|---|
| $75,000 or more | 2.80% | 2.765% |
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 $2,000; 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. Rate effective as of October 1, 2025 and are subject to change. Not a member? Join today.
Not all applicants will be approved or receive the lowest rates stated.
Certificates
| Term | APY¹ | Dividend Rate |
|---|---|---|
| 3 Month | 3.55% | 3.493% |
| 4 Month | 3.55% | 3.493% |
| 5 Month | 3.55% | 3.493% |
| 6 Month | 3.75% | 3.687% |
| 7 Month | 3.75% | 3.687% |
| 8 Month | 3.75% | 3.687% |
| 9 Month | 3.81% | 3.745% |
| 10 Month | 3.75% | 3.687% |
| 11 Month | 3.75% | 3.687% |
| 12 Month | 3.81% | 3.745% |
| 12 Month (IRA Certificate)² | 3.91% | 3.841% |
| 13 Month | 3.81% | 3.745% |
| 15 Month | 3.81% | 3.745% |
| 18 Month | 3.81% | 3.745% |
| 18 Month (Legacy Club) | 3.91% | 3.841% |
| 20 Month | 3.81% | 3.745% |
| 24 Month | 3.81% | 3.745% |
| 30 Month | 3.81% | 3.745% |
| 36 Month | 3.81% | 3.745% |
| 48 Month | 3.81% | 3.745% |
| 60 Month | 3.81% | 3.745% |
| Term | APY¹ | Dividend Rate |
|---|---|---|
| 47 Month | 3.45% | 3.396% |
| 59 Month | 3.55% | 3.493% |
| Account Type | APY¹ | Dividend Rate |
|---|---|---|
| Regular IRA | 0.31% | 0.310% |
| Platinum IRA Share (Balances of $4,000 or more) | 0.36% | 0.360% |
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. 12-month, 3.91% 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 February 20, 2026, 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 all applicants will be approved or receive the lowest rates stated.
Mortgage
| Term | Interest Rate | APR** |
|---|---|---|
| 30 Year | 5.686% | 5.750% |
| 30 Year Jumbo | 6.367% | 6.385% |
| 20 Year | 5.166% | 5.250% |
| 15 Year | 4.770% | 4.875% |
| 15 Year Jumbo | 5.596% | 5.625% |
| 10 Year | 4.601% | 4.750% |
| 5/1 Year ARM‡ | 5.125% | 6.027% |
| 7/1 Year ARM‡ | 5.375% | 5.992% |
| 30 Year FHA | 5.750% | 6.586% |
| 15 Year FHA | 5.625% | 6.501% |
| 30 Year VA | 5.750% | 6.586% |
| Term | APR† |
|---|---|
| 30-Year Conventional | 6.250% |
| 20-Year Conventional | 6.000% |
| 15-Year Conventional | 5.500% |
| 10-Year Conventional | 5.375% |
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 $832,750 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. 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 $832,750.
The No Closing Cost Mortgage Refinance offer applies to loans with a completed application date of January 31, 2025 or later. Promotions effective as of January 31, 2025 and are subject to be cancelled, extended or changed without prior notice. The listed No Closing Cost Interest Rates are based on a $200,000 conventional loan up to $832,750, a 80% Loan-to-Value, a minimum 660 or better FICO score, and a Debt-to-Income ratio no higher than 45%. For rates on loans greater than $832,750, please contact us. If you do not meet the stated criteria, other mortgage refinance programs may be available to you. Members who have refinanced a home under our previous No Closing Cost Mortgage Refinance program within six months prior to today are not eligible to apply for current No Closing Cost Mortgage Refinance program. Mortgage loan approvals are subject to credit approval and program guidelines. Not all loan programs are available in all states for all loan amounts. Each tax situation is unique, consult a tax and/or legal advisor for advice and information concerning your particular situation. Your rates may vary based on LTV, credit scores or loan amount. Loan rates are posted daily at AmericanHeritageCU.org and subject to change without prior notice. The mortgage loan payment obligations will be greater if taxes, homeowners insurance, or private mortgage insurance are included. The No Closing Cost Mortgage Refinance option: a) the borrower pays no closing costs, however taxes may need to be escrowed and property insurance is required; b) there is no cash out available; c) offer is only available for primary and secondary residences and does not include rental or investment properties. Choosing an origination fee option will increase the final APR. Other restrictions may apply, please contact an American Heritage Credit Union lender at 215.969.0777 for details.
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%.
SAFE Act
Credit Cards
| Credit Card | MasterCard Type | APR* As Low As |
|---|---|---|
| Platinum Preferred Mastercard® | Platinum Preferred Mastercard (No Annual Fee) | 9.99% |
| Platinum Classic Mastercard | Platinum Classic Mastercard (No Annual Fee) | 12.90% |
| Platinum Secured Mastercard | Platinum Secured Mastercard ($35 Annual Fee) | 15.90% |
| Cash Reward Mastercard® | Cash Reward Mastercard (No Annual Fee) | 13.49% |
Annual Percentage Rate (APR) is based on creditworthiness and will vary with the market based on the Prime Rate. APR is subject to change on the first day of the billing cycle monthly and will be determined by the Prime Rate index on first day of each calendar month, plus a margin. Your APR will be disclosed at the time of credit approval. For full details, click here.
Not all applicants will be approved or receive the lowest rates stated.
Auto Rates
| Terms | APR* As Low As |
|---|---|
| Up to 63 Months | 4.99% |
| 64 to 75 Months | 5.24% |
| 76 - 84 Months | 5.99% |
| Terms | APR* As Low As |
|---|---|
| Up to 63 Months | 5.34% |
| 64 to 75 Months | 5.94% |
| Terms | APR* As Low As |
|---|---|
| Up to 63 Months | 8.94% |
| 64 to 75 Months | 9.44% |
| Terms | APR* As Low As |
|---|---|
| Up to 63 Months | 9.94% |
| 64 to 75 Months | 10.94% |
Rates and promotions effective as of November 15, 2025, 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: $18.08 for every $1,000 borrowed at 4.99% 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 2022 to present. For full details, click here.
Not all applicants will be approved or receive the lowest rates stated.
Home Equity
| Terms | APR* As Low As |
|---|---|
| Up to 36 Months | 4.99% |
| 37 to 60 Months | 5.74% |
| 61 to 84 Months | 5.99% |
| 85 to 120 months | 6.24% |
| 121 to 180 Months | 6.99% |
| Terms | APR* As Low As |
|---|---|
| Up to 36 Months | 4.99% |
| 37 to 60 Months | 5.74% |
| 61 to 84 Months | 5.99% |
| 85 to 120 Months | 6.24% |
| 121 to 180 Months | 6.99% |
| Terms | APR* As Low As |
|---|---|
| Up to 36 Months | 5.99% |
| 37 to 60 Months | 7.24% |
| 61 to 84 Months | 7.74% |
| 85 to 120 Months | 7.74% |
| 121 to 180 Months | 7.99% |
| Terms | APR* As Low As |
|---|---|
| Up to 36 Months | 5.99% |
| 37 to 60 Months | 7.24% |
| 61 to 84 Months | 7.74% |
| 85 to 120 Months | 7.74% |
| 121 to 180 Months | 7.99% |
| Terms | APR* As Low As |
|---|---|
| Up to 70% LTV | 5.99% |
| 70.001 - 80% LTV | 5.99% |
| 80.001 - 90% LTV | 6.99% |
| 90.001 - 95% LTV | 7.49% |
| Terms | APR* As Low As |
|---|---|
| Up to 80% LTV | 5.74% |
| 80.001% - 95% LTV | 7.24% |
| Terms | APR* As Low As |
|---|---|
| Up to 80% LTV | 6.24% |
| 80.001 - 95% LTV | 7.74% |
| Terms | APR* As Low As |
|---|---|
| Up to 70% LTV | 7.49% |
| 70.001 - 80% LTV | 7.74% |
| 80.001 - 90% LTV | 7.99% |
| 90.001 - 95% LTV | 8.24% |
| Terms | APR* As Low As |
|---|---|
| Up to 70% LTV | 6.25% |
| 70.001 - 80% LTV | 6.25% |
| 80.001 - 90% LTV | 7.49% |
| 90.001 - 95% LTV | 7.99% |
SAFE Act
In compliance with stipulations required under the SAFE Act, American Heritage Credit Union is hereby listing the unique identifier information, also known as the NMLS#, for American Heritage Credit Union below:
American Heritage Credit Union: #433838 | Bryan Eichenbaum: #1447517 | Marylou Denzler: #449095 | Angela D Poe-Mason: #449073 | Amanda Michalczyk: #527975 | Matt Lista: #449176 | Nicole Zieminski: #925529 | Daniel DiMartini: #1180834 | Arlene Calamaya: #800200
**Rates and promotions effective as of November 14, 2025, 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.
Home Equity Loans
- $150.00 commitment fee may apply for certain non-owner-occupied properties. Mortgage recording fees may apply in counties located outside the Tri-State Area (PA, NJ, and DE). The mortgage recording fee is assessed by certain counties and is not a fee assessed by American Heritage Credit Union.
Gold Home Equity Line of Credit
Annual Percentage Rate for the Gold Home Equity Line of Credit Rate is as low as 51 basis points below the highest prime rate as published in the Money Rates Section of the Wall Street Journal in effect on the last business day of each calendar month of each year. Rate cannot fall below 3.74% APR or exceed 14.99% APR. Minimum Payment Example: If you made only the minimum monthly payment and took no other credit advances it would take 10 years 1 month to pay off a credit advance of $10,000 at an Annual Percentage Rate of 3.74%. During that period, you would make 120 payments of $100.00 and one (1) final payment of $5.35. Maximum Rate and Payment Example: If you had an outstanding balance of $10,000, the minimum payment at the maximum Annual Percentage Rate of 14.99% would be $161.41. This annual percentage rate could be reached at the time of the 1st payment. 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. Homeowners Insurance and Flood Insurance, if applicable, is required. $150 Commitment fee applies for non-owner-occupied (investment) properties. $100 Origination fee applies for Interest-Only Home Equity Line of Credit. Recording fees may apply in certain counties outside PA, NJ, and DE. $150.00 commitment fee may apply for certain non-owner-occupied properties. Mortgage recording fees may apply in counties located outside the Tri-State Area (PA, NJ, and DE). The mortgage recording fee is assessed by certain counties and is not a fee assessed by American Heritage Credit Union.
Platinum Fixed Home Equity Line of Credit
Sample Platinum Fixed-Rate HELOC (3DP/5A) Payment Example: $19.21 for every $1,000 borrowed at 5.74% APR at 60 months (Up to 80% LTV). Minimum monthly payment amount is $20. Borrower has a 36-month draw period from loan opening date to advance funds from line of credit. Homeowners Insurance and Flood Insurance, if applicable, is required. $150.00 commitment fee may apply for certain non-owner-occupied properties. Mortgage recording fees may apply in counties located outside the Tri-State Area (PA, NJ, and DE). The mortgage recording fee is assessed by certain counties and is not a fee assessed by American Heritage Credit Union.
Interest-Only Home Equity Line of Credit
Annual Percentage Rate for the Interest Only Home Equity Line of Credit is as low as 25 basis points below the highest prime rate as published in the Money Rates Section of the Wall Street Journal in effect on the last business day of each calendar month of each year. Rate cannot fall below 3.99% APR or exceed 15.49% APR. There is an origination fee of $100. Minimum Rate and Payment Example: If you made only the minimum monthly payment and took no other credit advances it would take 7 years 7 months to pay off a credit advance of $10,000 at an Annual Percentage Rate of 3.99%. During that period, you would make 36 payments of $30.61 to $33.89, followed by 54 payments of $200.00 and one (1) final payment of $155.19. Maximum Rate and Payment Example: During the draw period, if you had an outstanding balance of $10,000, the minimum payment at the maximum Annual Percentage Rate of 15.49% would be $131.56. This Annual Percentage Rate could be reached at the time of the 1st payment. The Interest Only Home Equity Line of Credit has a term of 276 months and provides for the payment of interest only for the first 36 months of the term and payments of principal and interest for the remaining 240 months of the term. During the interest only period, principal is not reduced, and your payment may vary monthly depending on the number of days in the month. At the end of this period, your monthly payment will increase, possibly substantially, because you will be required to pay down the outstanding principal. The minimum payment during the remaining 240 months is $200.00. Always consider paying more than the minimum payment to pay down the principal. 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. Homeowners Insurance and Flood Insurance, if applicable is required.
LTV = Loan to Value; DP = Drawing Period; A = Amortization.
Not all applicants will be approved or receive the lowest rates stated.
Other Loans
| Terms | Monthly Payment | APR* As Low As |
|---|---|---|
| Up to 24 Months | $46.03 | 9.74% |
| 25 to 60 Months | $21.12 | 9.74% |
| 61 to 72 Months | $20.47 | 13.74% |
| 73 to 120 Months | $15.37 | 13.74% |
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: $14.78 for every $1000 borrowed at 12.74% APR at 120 months. Monthly payment (per $1,000) examples are based on longest term in each range. Your payment may vary.
Not all applicants will be approved or receive the lowest rates stated.
| Model Year | Terms | APR* As Low As |
|---|---|---|
| Model Year 2024-2026 | 0-36 Months ($5,000+) | 5.39% |
| Model Year 2025-2026 | 37-60 Months ($10,000+) | 5.64% |
| Model Year 2025-2026 | 61-72 Months ($25,000+) | 5.89% |
| Model Year 2019-2024 | 0-36 Months ($5,000+) | 6.39% |
| Model Year 2019-2024 | 37-60 Months ($10,000+) | 6.64% |
| Model Year 2019-2024 | 61-71 Months ($25,000+) | 6.89% |
| 2018 And Earlier | 0-60 Months | 7.49% |
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: $19.17 for every $1000 borrowed at 5.64% 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. Not all applicants will be approved or receive the lowest rates stated.
Not all applicants will be approved or receive the lowest rates stated.
| Model Year | Terms | APR* As Low As |
|---|---|---|
| 2019 - 2026 | $5,000 to $10,000 - up to 84 months | 7.99% |
| 2019 - 2026 | $10,001 to $24,999 - up to 120 months | 6.99% |
| 2019 - 2026 | $25,000 to $49,999 - up to 180 months | 6.74% |
| 2018 & Earlier | $50,000 to $74,999 - up to 180 months | 8.49% |
| 2018 & Earlier | $75,000 and above - up to 180 months | 9.49% |
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: $15.58 for every $1000 borrowed at 7.99% APR at 84 months. For Recreational Vehicles Model Years 2018 and earlier, please contact us.
Not all applicants will be approved or receive the lowest rates stated.
| Model Year | Terms | APR* As Low As |
|---|---|---|
| 2025-2026 | 0-36 Months ($5,000+) | 5.99% |
| 2025-2026 | 37-60 Months ($10,000+) | 6.24% |
| 2025-2026 | 61-72 Months (up to $15,000) | 6.49% |
| 2019-2024 | 0-36 Months ($5,000+) | 6.99% |
| 2018-2023 | 37-60 Months ($10,000+) | 7.24% |
| 2019-2024 | 61-72 Months (up to $15,000) | 7.49% |
| 2018 And Earlier | Up to 60 ($10,000+) | 8.99% |
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: $19.44 for every $1000 borrowed at 6.24% 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. Not all applicants will be approved or receive the lowest rates stated.
Not all applicants will be approved or receive the lowest rates stated.
| Loan Type | APR* As Low As |
|---|---|
| Share Loans¹ (Up to 10 Years) | 5.00% |
| IRA Loans (To Fund an IRA) (2 Year Term) | 5.00% |
| Personal Line of Credit (Variable Rate) | 12.65% |
| Certificate Loans² (Up to 5 Years) | 2% Above Current Term Share Certificate Rate |
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.
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: $10.61 for every $1000 borrowed at 5% APR at 120 months. Monthly payment (per $1,000) examples are based on longest term. 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.
Not all applicants will be approved or receive the lowest rates stated.