SAFE Act

In compliance with stipulations required under the SAFE Act, American Heritage Federal Credit Union, AMHFCU, is hereby listing the unique identifier information, also known as the NMLS#, for AMHFCU below:

AMHFCU | #433838

Bryan Eichenbaum | #1447517, Marylou Denzler | #449095, Paul M Fox | #449146, Angela D Poe-Mason | #449073, Amanda Michalczyk | #527975, Matt Lista | #449176, Nicole Zieminski | #925529, Daniel DiMartini | #1180834, Arlene Calamaya | #800200

*Annual percentage rates on these products are determined by an evaluation of applicant credit, collateral valuations, length of term and other considerations. Your rate may vary from the rate shown.

All rates and promotions are subject to change without notice. 
Annual Percentage Rate (APR): Annual percentage rates on these products are determined by an evaluation of applicant credit, collateral valuations, length of term and other considerations. Your rate may vary from the rate shown. Sample Monthly Payment: $28.86 for every $1000 borrowed at 2.49% APR at 36 months (Up to 80% LTV). Membership eligibility required. Equal Housing Lender. Insured by NCUA.

Annual Percentage Rate for the Gold Home Equity Line of Credit Rate is as low as 51 basis points below the highest prime rate as published in the Money Rates Section of the Wall Street Journal in effect on the last business day of each calendar month of each year. Rate cannot fall below 3.74% APR or exceed 14.99% APR. Minimum Payment Example: If you made only the minimum monthly payment and took no other credit advances it would take 10 years 1 month to pay off a credit advance of $10,000 at an Annual Percentage Rate of 3.74%. During that period, you would make 120 payments of $100.00 and one (1) final payment of $2.25. Maximum Rate and Payment Example: If you had an outstanding balance of $10,000, the minimum payment at the maximum Annual Percentage Rate of 14.99% would be $139.89. This annual percentage rate could be reached at the time of the 1st payment. Rates on these products are determined by an evaluation of applicant credit, collateral valuations, length of term and other considerations. Your rate may vary from the rate shown. Homeowners Insurance and Flood Insurance, if applicable is required. Closing costs may apply for certain non-owner-occupied properties and interest-only loans. Recording fees may apply in certain counties.

Annual Percentage Rate for the Gold Home Equity Line of Credit Rate is as low as 51 basis points below the highest prime rate as published in the Money Rates Section of the Wall Street Journal in effect on the last business day of each calendar month of each year. Rate cannot fall below 3.74% APR or exceed 14.99% APR. Minimum Payment Example: If you made only the minimum monthly payment and took no other credit advances it would take 10 years 1 month to pay off a credit advance of $10,000 at an Annual Percentage Rate of 3.74%. During that period, you would make 120 payments of $100.00 and one (1) final payment of $2.25. Maximum Rate and Payment Example: If you had an outstanding balance of $10,000, the minimum payment at the maximum Annual Percentage Rate of 14.99% would be $139.89. This annual percentage rate could be reached at the time of the 1st payment. Rates on these products are determined by an evaluation of applicant credit, collateral valuations, length of term and other considerations. Your rate may vary from the rate shown. Homeowners Insurance and Flood Insurance, if applicable is required. Closing costs may apply for certain non-owner-occupied properties and interest-only loans.  Recording fees may apply in certain counties.

Annual Percentage Rate for the Interest Only Home Equity Line of Credit is as low as 25 basis points below the highest prime rate as published in the Money Rates Section of the Wall Street Journal in effect on the last business day of each calendar month of each year. Rate cannot fall below 3.99% APR or exceed 15.49% APR. There is an origination fee of $100. Minimum Rate and Payment Example: If you made only the minimum monthly payment and took no other credit advances it would take 7 years 7 months to pay off a credit advance of $10,000 at an Annual Percentage Rate of 3.99%. During that period, you would make 36 payments of $30.61 to $33.89, followed by 54 payments of $200.00 and one (1) final payment of $155.19.Maximum Rate and Payment Example: During the draw period, if you had an outstanding balance of $10,000, the minimum payment at the maximum Annual Percentage Rate of 15.49% would be $131.56. This Annual Percentage Rate could be reached at the time of the 1st payment. The Interest Only Home Equity Line of Credit has a term of 276 months and provides for the payment of interest only for the first 36 months of the term and payments of principal and interest for the remaining 240 months of the term. During the interest only period, principal is not reduced and your payment may vary monthly depending on the number of days in the month. At the end of this period, your monthly payment will increase, possibly substantially, because you will be required to pay down the outstanding principal. The minimum payment during the remaining 240 months is $200.00. Always consider paying more than the minimum payment to pay down the principal. Rates on these products are determined by an evaluation of applicant credit, collateral valuations, length of term and other considerations. Your rate may vary from the rate shown. Homeowners Insurance and Flood Insurance, if applicable is required.

LTV = Loan to Value

DP = Drawing Period; A = Amortization