Personal Loans

If you are looking to pay down high-interest debt, redecorate your home, pay for a wedding, or take that dream vacation, the sky is the limit with one of our personal loan options.

A simpler way to borrow for life's various expenses.

We offer low interest rates and you can take up to 120 months to repay your loan!

Apply for a Personal Loan


Looking for a smaller loan amount or a way to pay for whatever life throws at you?

Take advantage of flexible and affordable terms with an American Heritage Line of Credit.

Avoid the embarrassment of bounced checks while also enjoying an open-ended credit line available 24/7. You can enjoy the following features with our Personal Line of Credit:

Apply for a Personal Line of Credit

Personal Loan Rates

Terms Monthly Payment APR* As Low As
Up to 24 Months ($1000 minimum) $46.49 10.24%
25 to 60 Months ($300 minimum) $21.61 10.24%
61 to 72 Months ($300 minimum) $20.73 14.24%
73 to 120 Months ($300 minimum) $15.68 14.24%

Looking for another way to borrow?

Find the card that perfectly fits your lifestyle and apply for an American Heritage Credit Card today.

Becoming a Member is Simple

Get access to these convenient and secure features by becoming a member and opening a checking and savings account today.

Monthly payment (per $1,000) examples are based on longest term in each range.

*Annual Percentage Rate (APR) for members who choose to make loan payments via payroll deduction or automatic payment from an American Heritage Federal Credit Union account. APR is increased by .25% without payroll deduction or automatic payment. Rates for this product are determined by an evaluation of applicant credit. Your rate may vary from the rate shown. Sample Monthly Payment: $15.68 for every $1000 borrowed at 14.24% APR at 120 months. Monthly payment (per $1,000) examples are based on longest term in each range. Your payment may vary.