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!
| Term | APY* | Dividend Rate |
|---|---|---|
| 3 Month | 4.50% | 4.409% |
| 4 Month | 4.50% | 4.409% |
| 5 Month | 5.00% | 4.889% |
| 6 Month | 4.50% | 4.410% |
| 7 Month | 4.50% | 4.410% |
| 8 Month | 4.50% | 4.410% |
| 9 Month | 4.50% | 4.410% |
| 10 Month | 4.50% | 4.410% |
| 11 Month | 5.25% | 5.128% |
| 11 Month Jumbo† | 5.50% | 5.366% |
| 12 Month | 5.00% | 4.889% |
| 13 Month | 4.75% | 4.649% |
| 13 Month (IRA Certificate) | 5.50% | 5.366% |
| 15 Month | 5.00% | 4.889% |
| 18 Month | 4.75% | 4.649% |
| 18 Month (Legacy Club) | 4.85% | 4.745% |
| 20 Month | 4.75% | 4.649% |
| 24 Month | 4.50% | 4.410% |
| 30 Month | 4.25% | 4.169% |
| 36 Month | 4.25% | 4.169% |
| 48 Month | 4.00% | 3.928% |
| 60 Month | 4.00% | 3.928% |
| Term | APY* | Dividend Rate |
|---|---|---|
| 47 Month | 3.70% | 3.639% |
| 59 Month | 3.80% | 3.735% |
*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. 13-month, 5.50% 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 November 17, 2023, and are subject to change. Insured by NCUA. Not a member? Join today.
†Annual Percentage Yield (APY) effective November 17, 2023 and subject to be cancelled, changed or withdrawn at any time without prior notice. Rates listed paid on $100,000 minimum balance. Share and IRA Certificates available at lower Annual Percentage Yield for balances under $100,000. A penalty will or may be imposed for early withdrawal.
Call 800-342-0008 for further rate details.
