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 dividends 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!
| Term | APY* | Dividend Rate |
|---|---|---|
| 3 Month | 3.65% | 3.590% |
| 4 Month | 3.65% | 3.590% |
| 5 Month | 3.65% | 3.590% |
| 6 Month | 3.85% | 3.783% |
| 7 Month | 3.85% | 3.783% |
| 8 Month | 3.85% | 3.783% |
| 9 Month | 4.00% | 3.928% |
| 10 Month | 3.85% | 3.783% |
| 11 Month | 3.85% | 3.783% |
| 12 Month | 4.00% | 3.928% |
| 13 Month | 3.90% | 3.832% |
| 15 Month | 3.90% | 3.832% |
| 18 Month | 3.90% | 3.832% |
| 18 Month (Legacy Club) | 4.00% | 3.832% |
| 20 Month | 3.90% | 3.832% |
| 24 Month | 3.90% | 3.832% |
| 30 Month | 3.90% | 3.832% |
| 36 Month | 3.90% | 3.832% |
| 48 Month | 3.90% | 3.832% |
| 60 Month | 3.90% | 3.832% |
| Term | APY* | Dividend Rate |
|---|---|---|
| 47 Month | 3.45% | 3.396% |
| 59 Month | 3.55% | 3.493% |
For a full list of exceptions visit the IRS website
*consult your tax advisor
*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. A penalty will or may be imposed for early withdrawal. Fees may reduce earnings. Rate effective as of July 25, 2025 and are subject to change. Not a member? Join today.
Call 800-342-0008 for further rate details.
