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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6 Must-Follow Holiday Budgeting Tips

By: American Heritage
11.21.19
The fact is, the average American can easily spend between $800 – $1000 on the holidays each year. Unfortunately, many people don’t save in advance and put it all on the credit card. This leaves them with a savings shortfall, or worse, a large credit card balance that they’ll be paying off well into the following year. The good news is that you can avoid these traps with a little planning and by applying these six holiday budgeting tips.

Holiday Club Savings: Enjoy the Season without the Stress

By: American Heritage
11.14.19
The holidays are one of the most enjoyable times of the year. But if you’re like many of us, they may also be one of the most expensive. Whether you’re heading out of town or heading to the mall, the cost of gifts, travel, and entertaining can leave you in the red come January. The secret is to start saving for the holidays as soon as possible.

5 Budget-Friendly Benefits of Online Grocery Shopping

By: American Heritage
11.07.19
It’s the season of pumpkin spice, Thanksgiving feasts – and big grocery bills. If you’re looking to make the most of your time with family and friends, while saving money on food, shopping for groceries online could be your solution.

5 Ways to Avoid Awkward Money Dilemmas

By: American Heritage
10.24.19
Few things are as important as our relationships with friends and family. The last thing you want is for money issues to get between you and your loved ones. While it’s a wonderful thing to be there for a friend, awkward money dilemmas can put your relationships in jeopardy if you aren’t careful. Here are a few common situations you may encounter, and ways to handle them.

8 Fun Ways to Teach Your Child About Money

By: American Heritage
10.17.19
As adults, the ways that we spend, save, and manage our money can be serious business. But as kids, this doesn’t have to be the case. Whether your child is taking their first steps or saving for their first big purchase, teaching children about money often works best when you add some fun and games to the experience.

Want a Comfortable Retirement? Start Saving Now.

By: American Heritage
10.10.19
It’s easy to put off saving for retirement. Everyday expenses like rent and groceries take precedence over something that’s decades away. And other savings goals like a new car or a down payment on a house are more exciting (and feel more tangible) than retirement. But starting to save for retirement when you’re young will make saving enough money to enjoy a comfortable retirement much easier. Here's why.

Estate Plans: Why They're Important & How to Create Yours

By: American Heritage
09.24.19
Planning for your personal assets and end-of-life decisions is one of the most important things you can do for your family – and your finances. If you are putting off creating your estate plan, it’s time to stop procrastinating. When you understand estate planning essentials, and have the right professional guidance, the process can be relatively quick and straightforward.

Why You Need an Emergency Fund (and How to Set It Up)

By: American Heritage
09.19.19
When things are going well, it’s easy to forget that emergencies and hard times can happen. And it’s even easier to put off preparing for them. That may be one reason that so few people have money saved for emergencies. Just 40% of Americans have enough set aside to cover a $1,000 emergency expense.

4 Ways to Protect Your New Car

By: American Heritage
09.17.19
Owning a vehicle can cost thousands of dollars per year, so it’s important to take steps to protect yourself from unexpected expenses. Having the right insurance and other forms of coverage can help you avoid the stress and financial burdens that result from an accident, breakdown, or theft. If you have a new car or are shopping for one now, here are four valuable coverage options that can help you worry less and enjoy your vehicle more.

Protect What Matters with the Right Life Insurance

By: American Heritage
09.12.19
It’s never an easy thing to think about, but it’s something you need to consider: If you were to die, who would provide for your loved ones? September is Life Insurance Awareness Month, and now is the perfect time to learn about the types of life insurance and see what’s best for you.

7 Ways to Save Money on Your Commute

By: American Heritage
09.05.19
Home is where the heart is, but it is not always near where the job is. The average American’s commute takes 26.9 minutes, with more than 14 million Americans spending an hour or more traveling to work. A longer commute often means more money spent on gas and on car repairs. Here are 7 ways to stop a long commute from cutting into your budget.

Student Loans and You

By: American Heritage
08.29.19
Rising student loan debt is affecting many young people. Understanding student loans is a critical first step toward managing and reducing that debt.

5 Ways Americans Spend Their Money (And How You Can Spend Less)

By: American Heritage
08.20.19
Do you ever wonder how your spending habits compare with those of other Americans? Wonder no more. Here are a few of the everyday purchases that account for a large portion of what we spend our money on – along with some tips on how to save money in these key areas and set aside more for the future.

Should You Choose a Secured or Unsecured Loan?

By: American Heritage
08.15.19
Life takes money. And sometimes, it takes a lot of money at once. Whether you are planning a wedding, updating your kitchen, or fixing your car, having affordable access to cash is often essential. After all, you don’t want to wipe out your savings. When it’s time to look for a loan or line of credit, one of the first questions to ask is: secured or unsecured?

Surviving Back to School and all Your Fall Expenses on a Budget

By: American Heritage
08.13.19
Whether you’re starting your kids in pre-school or returning to grad school, back to school is an exciting time for anyone starting something new. While fall can add a lot of expenses to your plate, there are plenty of ways to get what you need, get the maximum value for your dollar and stay within your budget.

5 Facts that Show How Education Leads to Better Pay

By: American Heritage
08.08.19
We all want to live comfortably and build a secure financial future. Whether you’re supporting yourself or a big family, you deserve this financial freedom. Unfortunately, earning a good salary can be a challenge for many Americans. In today’s competitive job market, being a skilled and valuable employee is the best way to ensure a great paycheck. And this usually depends on a great education.

New to Credit Cards? Learn How to Use Them Responsibly and Avoid Debt

By: American Heritage
08.01.19
If you just got your first credit card, or soon will, you have probably heard that credit card debt is a major risk to avoid. While that is true, you shouldn’t be afraid to properly use your credit card. The fact is that like most tools, credit cards can be helpful when used responsibly and can lead to problems when used irresponsibly.

How to Finance Your Next Vehicle

By: American Heritage
07.11.19
We all need reliable, affordable transportation. For many of us, an auto loan is essential when it’s time to buy our next new or used vehicle. The type of financing you choose and the lender you turn to for your loan is a bigger deal than you might think.

7 Key Questions to Ask About Your Finances

By: American Heritage
07.05.19
It’s a good idea to do a midyear financial checkup. Think of it as an informal self-review of your personal finances that will help you determine how effectively you’re spending, saving, and managing money and supporting a bright financial future.

5 Tips for How to Handle Unexpected Expenses

By: American Heritage
07.02.19
There are unexpected expenses that we all endure, many of which seem to occur at the most inopportune times. While it’s impossible to know what’s ahead, the good news is that you have the ability to take control of your finances and better prepare yourself, and your wallet, for the unexpected. To help, we’ve outlined 5 ways to handle unexpected expenses.

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).

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.