Savings

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

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

Money Market

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

Youth Accounts

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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

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

Helpful Savings Tips

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How to Entertain on a Budget

By: American Heritage
06.13.19
Get-togethers with friends and family are often the biggest highlights of the summer. But if you’re the one hosting that graduation party, Fourth of July barbecue, or family reunion, you may also wind up with a big bill. Fortunately, your next gathering doesn’t have to be an expensive affair.

Buying a Motorcycle, RV, or Boat? Follow These 3 Tips.

By: American Heritage
05.30.19
Looking forward to getting outdoors this summer? Whether your ideal adventure takes you across the country or “down the shore,” a new motorcycle, RV, or boat could be a dream come true. But a significant price tag and the cost of upkeep are realities you’ll need to prepare for.

Having a Social Life – Even on a Budget

By: American Heritage
05.21.19
Your budget doesn’t have to keep you from socializing. You just have to think about different ways to have fun with your friends. Remember, a budget isn’t really about dollars and cents. It represents what you want from life. With that in mind, here are a few money-saving ways to have a great social life without going broke.

How to Spend Less Money on Vacation

By: American Heritage
05.09.19
If you’re like most Americans, you probably spend more money than intended when you’re on vacation. But it’s entirely possible to avoid overspending – and still have a great time – if you plan in advance. Whether you’ve booked inexpensive vacations over long weekends or a once-in-a-lifetime overseas extravaganza, our four simple steps to having fun on vacation while spending less are a blueprint for a stress-free time away.

When Should My Child Start Earning Money?

By: American Heritage
05.02.19
When it comes to financial education, earning is learning. Whether your young child is getting an allowance, your 13-year-old makes money walking neighborhood dogs, or your older teen has a lead on an amazing summer job, seek out any opportunity to have meaningful discussions about financial literacy — especially the essential skills of saving, spending, giving, and planning.

How to Raise a Money-Wise Child

By: American Heritage
04.02.19
If you want to prepare your child to live a happy and independent life as an adult, teaching them personal finance is a must. It’s never too early – or late – to help your child learn about financial literacy.

Certificates vs. Money Market Accounts: What’s Right for You?

By: American Heritage
03.21.19
A certificate or money market account (MMA) from your local credit union can be a smart, safe way to grow your money faster – and reach your savings goals sooner. Unlike stocks, both account options are federally insured, and they often pay much higher dividends than typical savings accounts. Certificates and MMAs are both good options, but they have some key difference you should know about when deciding which to choose.

5 Financial Mistakes to Avoid in Your 20s

By: American Heritage
03.14.19
Your 20s are a time of discovery. That includes discovering how to make, spend, and save money (and be less dependent on Mom and Dad). But the journey toward understanding your finances can be a bumpy one. Here are five financial mistakes people often make in their 20s and how to avoid them.

Fun Ways to Save Money in Philadelphia This Winter

By: American Heritage
02.15.19
Did you make a resolution to save more money this year? Spending less is great, but it doesn’t mean you have to sit around at home. Philadelphia is full of exciting, inexpensive things to do – even in the middle of winter. Learn how to save money on your next outing with this guide to upcoming events and local favorites.

Using a Low-Interest Credit Card to Consolidate Debt

By: American Heritage
01.15.19
A balance transfer can be a great way to pay off high-interest credit cards with one lower-rate card, giving you an easier way to pay off this debt while cutting your interest payments (and stress).

How to Start Saving for Your Child's Education

By: American Heritage
12.19.18
If you’re a parent, you want what’s best for your child. That means making sure that they get a good education. The challenge? How to pay for everything from day care to college without going broke. The good news is that there are options are available that can allow you save money in the short term and long term, provide tax savings and earn investment income for the future.

6 Holiday Budgeting Tips

By: American Heritage
12.19.18
The holidays are approaching quickly and with them comes fun, food, gifts for the family, and the need to figure out how to pay for it all.

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.