Certificates & IRAs

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!

American Heritage IRA & Certificates

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!

piggy bank-money

OPEN A CERTIFICATE OR IRA FROM AMERICAN HERITAGE AND GET THE MOST FROM YOUR SAVINGS.

 

Become a Member

7 Month Certificate or IRA

  • Take advantage of our 7 Month Certificate today and earn 5.00% APY*!
  • If you looking to earn a high yield on a short term account, our 6 Month Certificate will help you with your financial goals!
  • Our personalized products are made for our members to ensure that they have a secure financial future.

10 Month Certificate or IRA

  • Take advantage of our 10 Month Certificate today and earn 5.00% APY*!
  • $100,000 minimum to open.
  • Set aside funds that will grow steadily over 7 months.
  • Our personalized products are made for our members to ensure that they have a secure financial future.

13 Month IRA Certificate

  • Take advantage of our 13 Month IRA Certificate today and earn 5.00% APY*!
  • Set aside funds that will grow steadily over 13 months.
  • Our personalized products are made for our members to ensure that they have a secure financial future.

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Certificates / IRA Certificates

Term APY* Dividend Rate
3 Month 4.50% 4.409%
4 Month 4.50% 4.409%
5 Month 4.90% 4.793%
6 Month 4.90% 4.793%
7 Month 5.00% 4.889%
8 Month 4.50% 4.410%
9 Month 4.50% 4.410%
10 Month 5.00% 4.888%
11 Month 4.50% 4.410%
12 Month 4.90% 4.793%
13 Month 4.75% 4.649%
13 Month (IRA Certificate) 5.00% 4.889%
15 Month 4.65% 4.553%
18 Month 4.65% 4.553%
18 Month (Legacy Club) 4.75% 4.649%
20 Month 4.65% 4.553%
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%

Bump-Up Certificates / IRA

Term APY* Dividend Rate
47 Month 3.70% 3.639%
59 Month 3.80% 3.735%
IRA Website Chart 2023

*consult your tax advisor

Looking for more ways to save?

Check out our great savings account options.

Planning for retirement?

Get the information you need to start paving the path to a comfortable retirement.

*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, 5.00% 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 February 23, 2024, and are subject to change. Insured by NCUA. Not a member? Join today.

Call 800-342-0008 for further rate details.