Savings Account

Save your money with the peace of mind that your funds are insured by The National Credit Union Administration (NCUA). Choose from one of these great accounts and watch as your financial dreams become a reality.

Open A Savings Account

Share Savings Account

  • Insured by the NCUA up to $250,000.
  • Every member has a shareholder Savings Account with 24-hour access through online, phone and mobile options.
  • Earn higher dividends by maintaining a balance of $10,000 or more.
Open a Savings Account

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.
  • Money Market Account deposits are federally insured by NCUA up to $250,000 per member.
Open a Money Market Account

High-Yield Savings Account³

  • High Earning Rate of 3.10% APY³
  • 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.
  • Saving for a special occasion or simply looking to earn one of the highest savings rates in the region? Open a High Yield Savings account today.
Open a High-Yield Savings Account

Certificates

  • 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.
  • Certificates are federally insured by NCUA up to $250,000 per member.
Open an Account

Identity Protection Savings

  • Protect your account against fraud and identify theft for only $4 a month
  • Card Patrol with Social Security Number Monitoring™
  • Fraud Assist Toolbox
  • Identity Theft Support Service
  • MyIDMatters™
  • Payment Card Protection
  • FREE⁴ overdrafts from your primary Share Savings Account
  • FREE³ Mobile and Direct Deposit
Open an Account

Holiday Club Account

  • Deposit as little as $5 a week.
  • Once you make an early withdrawal, your Holiday Savings account will close, but you can open a new one after October 1.
  • Save up for the Holidays without the hassle!
Open an Account

Little Patriots Account

  • Minimum deposit is $15.
  • If you deposit $5 American Heritage will contribute $10 to activate the account.
  • Invest in your children or grandchildren by sponsoring a child 4 years or younger.
Open an Account

Educational Savings Account⁵

  • We know you want the best for your child. That all starts with education. Start saving with our Education Savings Account, tax-free to ensure your child has the brightest future ahead!
  • American Heritage can help you start saving for that education by opening an Education Savings Account, such as the Coverdell Educational Savings Account (ESA) and the 529 College Savings Plan. Parents who meet income requirements may contribute $2,000 per year per child under 18 years of age, all contributions are tax-free.
Open an Account

Featured Rates

24 Month Certificate¹

4.00%

APY¹
Open an Account

12 Month Certificate (IRA Only)²

3.91%

APY¹
Open an Account

High-Yield Savings³

3.10%

APY¹
Open an Account

WANT TO STAY UP TO DATE?

Sign up to receive email alerts regarding changes to a selection of savings rates.
Sign Up for Rate Alerts

Saving is Simple

Learn how you can take your savings and invest it into something more!
Make Your Money Grow
1 
2
3
4
5
6

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 June 18, 2026 and are subject to change. Not a member? Join today.

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. 12-month, 3.91% 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 20, 2026, and are subject to change. Insured by NCUA. Not a member? Join today.

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 three times per monthly statement cycle via check, transfer or withdrawal, $25 fee for each additional withdrawal per statement cycle. Fees may reduce earnings. Rate effective as of March 20,2026 and are subject to change. Not a member? Join today.

Message and Data Rates May Apply

Overdraft or returned item fees may apply.

The information offered is not intended as tax advice. Please consult a tax professional for specific information regarding your individual situation.