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 dividends 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 | 3.55% | 3.493% |
| 4 Month | 3.55% | 3.493% |
| 5 Month | 3.55% | 3.493% |
| 6 Month | 3.75% | 3.687% |
| 7 Month | 3.75% | 3.687% |
| 8 Month | 3.75% | 3.687% |
| 9 Month | 3.81% | 3.745% |
| 10 Month | 3.75% | 3.687% |
| 11 Month | 3.75% | 3.687% |
| 12 Month | 3.81% | 3.745% |
| 12 Month (IRA Certificate)** | 3.91% | 3.841% |
| 13 Month | 3.81% | 3.745% |
| 15 Month | 3.81% | 3.745% |
| 18 Month | 3.81% | 3.745% |
| 18 Month (Legacy Club) | 3.91% | 3.841% |
| 20 Month | 3.81% | 3.745% |
| 24 Month | 3.81% | 3.745% |
| 30 Month | 3.81% | 3.745% |
| 36 Month | 3.81% | 3.745% |
| 48 Month | 3.81% | 3.745% |
| 60 Month | 3.81% | 3.745% |
| Term | APY* | Dividend Rate |
|---|---|---|
| 47 Month | 3.45% | 3.396% |
| 59 Month | 3.55% | 3.493% |
For a full list of exceptions visit the IRS website
*consult your tax advisor
All Rates are subject to change without notice. Rates listed paid on $1,000 minimum balance. $500 minimum balance Certificates and IRA Certificates available at 0.10% lower Annual Percentage Yield. Premature withdrawals are subject to penalty. Fees may reduce earnings.
*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) 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 February 20, 2026 and are subject to change. Not a member? Join today.
Call 800-342-0008 for further rate details.
