Certificates & IRAs

American Heritage IRA & Certificates

Start earning dividends, or interest on your funds today with our Certificates or IRA Certificates. Choose from our range of our high-yield short or long-term certificates from 3 months to 5 years. Open a Certificate account today with a low minimum deposit of $500 and begin earning the most from your funds!

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 interest 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!

12 Month Certificate or IRA*

  • Take advantage of our 12 Month Certificate/IRA today!
  • Set aside funds that will grow steadily for this short time frame.
  • Our personalized products are made for our members to ensure that they have a secure financial future.
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60 Month Certificate or IRA*

  • Earn a high yield on a 60-Month Certificate or IRA
  • Set aside funds that will grow steadily for this long timeframe.
  • Our personalized products are made for our members to ensure that they have a secure financial future.
Apply Now

59 Month Bump-Up Certificate or IRA

  • This Certificate/IRA allows you to increase your rate one time during the term of your account. Once you set the higher rate, it will remain that rate for the duration of your Certificate's term.
Apply Now

Certificates / IRA Certificates

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Term APY* Dividend Rate
3 Month 0.20% 0.199%
4 Month 0.25% 0.250%
4 Month (Special Promotion)** 4.00% 3.928%
5 Month 0.30% 0.299%
6 Month 0.30% 0.299%
7 Month 0.30% 0.299%
8 Month 0.30% 0.299%
9 Month 0.30% 0.299%
10 Month 0.30% 0.299%
11 Month 0.30% 0.299%
12 Month 0.40% 0.399%
13 Month 0.45% 0.449%
15 Month 0.45% 0.449%
18 Month 0.50% 0.499%
18 Month (Legacy Club) 0.60% 0.598%
20 Month 0.70% 0.698%
24 Month 0.60% 0.598%
30 Month 0.65% 0.648%
36 Month 0.80% 0.797%
48 Month 0.80% 0.797%
60 Month 1.00% 0.995%

Bump-Up Certificates / IRA

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Term APY* Dividend Rate
47 Month 0.60% 0.598%
59 Month 0.65% 0.648%
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Open a Certificate or IRA from American Heritage and get the most from your savings.

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Looking for more ways to save?

Check out our great savings account options.
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Planning for retirement?

Get the information you need to start paving the path to a comfortable retirement.
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All Rates are subject to change without notice. Rates listed paid on $1,000 minimum balance. Premature withdrawals are subject to penalty. Fees may reduce earnings. Not a member? Join today.

*Annual Percentage Yield (APY). Rates listed paid on $1000 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. Not a member? Join today. 

**Annual Percentage Yield (APY): One certificate per Membership Account. New money only. Maximum deposit of $2,000. 0.10% lower Annual Percentage Yield. Ask for details. All Rates are subject to change without notice.

Call 800-342-0008 for further rate details.