High-Yield Savings Account

Our High-Yield Savings Account's rates are 10X higher** than the national savings average! This is our premier saving option that allows you to earn a competitive dividend on your funds, while allowing you to be flexible.

American Heritage High-Yield Savings Accounts

As a valued member, you deserve the best opportunities to grow your savings. Our High-Yield Savings account is our premier saving option that allows you to earn a competitive dividend on your funds, while allowing you to be flexible. This account gives to you the high dividend you expect from a certificate of deposit, but allows more freedom to your funds like a money market. Take advantage of our exclusive member benefits and start saving today to reach your financial goals faster.


Explore High-Rate Savings Products

At American Heritage, we understand the importance of maximizing your savings potential. As a member, you can open our high interest saving account offering some of the highest yields in the region. Discover more about our competitive Certificates and IRAs, designed to help our members thrive financially. Start exploring our highest rate savings accounts and secure a brighter future for yourself.

High-Yield Savings*

  • High Earning Rate of 3.75% APY*
  • Provides a high rate account with flexibility!
  • To earn the high rate and avoid $10 monthly fee, simply maintain a daily balance of at least $10,000.
  • High-Yield Savings Account deposits are federally insured by NCUA up to $250,000 per member.

Money Market Account

  • Requires a balance of $2,000 or more.
  • Earn higher dividends than a standard Share Savings account by maintaining a balance of $25,000 or more.


  • Minimum deposit of $500.
  • Terms from 3 to 60 months.
  • Looking to lock in a competitive yield? Open a Certificate account today. Available for IRAs.


Sign up to receive email alerts to be notified about changes to your selected savings rates.


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What is a High-Yield Savings Account?

A high-yield savings account is a type of savings account that offers a higher interest rate compared to traditional savings accounts. It is designed to help members maximize their savings potential and earn more on their deposited funds. With a high-yield savings account, members can benefit from the highest-yielding savings accounts on the market, ensuring that their money grows at a faster rate. These accounts are often offered by credit unions with high-interest rates on savings and are ideal for those seeking to build an emergency fund, save for a specific goal, or simply want their savings to work harder for them. By choosing a high-yield savings account, members can enjoy the advantages of higher returns and achieve their financial goals more efficiently.

Open an Account Today

How To Join

Want to become a member and take advantage of our high-yield savings options? Joining American Heritage Credit Union is a straightforward process that opens the door to exclusive financial benefits. To get started, apply below or click here to learn more about membership eligibility requirements. Once you become a member, applying for our high-yield savings account is a breeze. Experience the advantages of our competitive certificate rates, highest yield savings accounts, and credit union high-yield savings options. Secure your financial future with us today.


Join Today


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Looking for more information?

Check out this blog on how to save your first $1,000





*Annual Percentage Yield (APY) for balances $10,000 and greater. Maximum deposit amount $1,000,000. Limit one High Yield Savings Account per member. $10,000 minimum opening deposit. $10 monthly service fee is waived if the daily balance is $10,000 or more. Account holder may withdraw funds once per monthly statement cycle via check, transfer or withdrawal, $25 fee for each additional withdrawal per statement cycle. Fees may reduce earnings.

**Based on information from NCUA's Credit Union and Bank Rates 2023 Q3 report.