Rates

Checking Account Rates

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Account Type APY* Dividend Rate
Totally Free Checking Plus 0.15% 0.150%
Identity Protection Checking 0.15% 0.150%
VIP Checking 0.15% 0.150%
Platinum Checking Account 0.16% 0.160%
Platinum Checking Account (Balances of $25,000 or more) 0.21% 0.210%
Cash Management Checking 0.16% 0.160%

*APY expressed as Annual Percentage Yield. For additional info, see our Deposit Account Disclosure and Schedule of Fees and ChargesAccounts earn dividends on the daily account balance, and are posted monthly to the account.

Account minimum balance to earn dividends: Share and Club Accounts $100; Totally Free Checking Account $1,000; Protection Checking Account $1,000 ($5 monthly service charge); VIP Checking Account $5,000; Platinum Checking Account $7,500; Cash Management Checking Account $7,500

 

Savings

 

Primary Share Savings

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Balance APY* Dividend Rate
$100 to $9,999.99 0.16% 0.160%
$10,000 or more 0.21% 0.210%

Identity Protection Savings

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Balance APY* Dividend Rate
$100 to $9,999.99 0.16% 0.160%
$10,000 or more 0.21% 0.210%

High-Yield Savings*

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Balance APY* Dividend Rate
$10,000 or more 2.00% 1.982%

Holiday Club

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Balance APY* Dividend Rate
$100 to $9,999.99 0.16% 0.160%
$10,000 or more 0.21% 0.210%

Vacation Club

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Balance APY* Dividend Rate
$100 to $9,999.99 0.16% 0.160%
$10,000 or more 0.21% 0.210%

Little Patriots Club

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Balance APY* Dividend Rate
$100 to $9,999.99 0.16% 0.160%
$10,000 or more 0.21% 0.210%

*APY expressed as Annual Percentage Yield. For additional info, see our Deposit Account Disclosure and Schedule of Fees and Charges. Account minimum balance to earn dividends: Share and Club Accounts $100. Accounts earn dividends on the daily account balance, and are posted monthly to the account.

**High Yield Savings: 2.00% 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, requires new money only, defined as funds not currently on deposit at American Heritage Credit Union. $10 monthly service fee is waived if the daily balance is $10,000 or more. Accountholder may withdraw funds once per monthly statement cycle via check, transfer or withdrawal, $25 fee for each additional withdrawal per statement cycle. APY guaranteed not to fall below 1.80% APY before 12/31/19. Rates and fees accurate as of 9/22/18. Membership eligibility required.

 

Money Market Accounts

 

Money Market Account

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Balance APY* Dividend Rate
$2,000 to $24,999.99 0.500% 0.449%
$25,000 or more 0.660% 0.658%

VIP Money Market Account

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Balance APY* Dividend Rate
$50,000 or more 0.710% 0.708%

Platinum Money Market Account

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Balance APY* Dividend Rate
$75,000 or more 0.760% 0.757%

*APY expressed as Annual Percentage Yield. For additional info, see our Deposit Account Disclosure and Schedule of Fees and Charges. Accounts earn dividends on the daily account balance, and are posted monthly to the account excluding Certificates. Accounts closed prior to the end of the month will not receive a dividend.

Account minimum balance to earn dividends: Money Market Account $2,500; VIP Money Market Account $50,000; Platinum Money Market Account $75,000

Minimum withdrawal amount: Money Market Accounts and VIP Money Market Accounts $500; Platinum Money Market Account $1,000. Premature withdrawals are subject to penalty. Fees may reduce earnings.

 

Certificates

 

Certificates/IRA Certificates

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Term APY* Dividend Rate
3 Month 0.80% 0.797%
4 Month 0.90% 0.896%
4 Month** 4.00% 3.928%
5 Month 0.95% 0.946%
6 Month 1.00% 0.995%
7 Month 1.10% 1.094%
8 Month 1.20% 1.193%
9 Month 2.050% 2.031%
10 Month 1.40% 1.391%
11 Month 1.50% 1.490%
12 Month 2.000% 1.982%
13 Month 1.65% 1.638%
15 Month 2.800% 2.764%
18 Month 2.600% 2.569%
24 Month 2.41% 2.383%
30 Month 2.50% 2.472%
36 Month 2.60% 2.569%
48 Month 2.60% 2.569%
60 Month 2.80% 2.765%

Bump-Up CD/IRA Certificate

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Term APY* Dividend Rate
47 Month 2.55% 2.521%
59 Month 3.10% 3.057%

IRA Accounts

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Account Type APY* Dividend Rate
Regular IRA 0.31% 0.310%
Platinum IRA Share (Balances of $4,000 or more) 0.36% 0.360%

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.

*APY expressed as Annual Percentage Yield. For additional info, see our Deposit Account Disclosure and Schedule of Fees and Charges. Accounts earn dividends on the daily account balance, and are posted monthly to the account excluding Certificates. Accounts closed prior to the end of the month will not receive a dividend. Account minimum to earn dividends: Platinum IRA Share Account $4,000. Regular IRA does not have a minimum deposit.

Bump-Up Certificates allow a one-time rate increase corresponding with 47-month fixed-rate AMHFCU certificates and 59-month fixed-rate AMHFCU certificates. The new rate will remain in effect until the certificate maturity date. A penalty may be imposed for early withdrawals.

Your savings federally insured to at least $250,000 by the National Credit Union Administration, a U.S. Government Agency backed by the full faith and credit of the United States Government. IRA and IRA Certificates insured up to $250,000 by the NCUA. An additional $250,000 worth of insurance is provided by the Excess Share Insurance Corporation, a private insurance company, for a total coverage of $500,000 for your retirement savings.

 

Mortgage

 

Mortgage Rates

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Term Interest Rate APR*
30 Year 4.125% 4.154%
30 Year Jumbo 4.000% 4.095%
15 Year 3.750% 3.801%
15 Year Jumbo 3.625% 3.793%
3/1 Year ARM 3.375% 4.270%
3/3 Year ARM 3.625% 5.082%
5/1 Year ARM 3.625% 4.214%
5/5 year ARM 3.875% 5.390%
30 Year FHA 4.125% 4.155%
15 Year FHA 4.125% 4.178%

Not everyone that applies will qualify for the rates shown above. Rates shown above are based on an applicant FICO score of at least 740 for an owner-occupied home purchase, with a loan amount of $200,000 for all loans except Jumbo which is based on a $500,000 Loan amount, and a loan-to value ratio of no more than 60%. All loans are subject to individual credit approval and subject to change without notice. Please note that the rates posted are rate locks do not exceed 60 days. Pre-qualification is not a commitment to lend.

*Annual Percentage Rate (APR): Mortgages rates for investment properties are higher. Please Contact a Mortgage Representative at 215-969-2823 for the interest rates and fees for investment properties and for loans less than $50,000 or more than $453,100.

Credit Cards

 

Credit Card Rates

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Credit Card MasterCard Type APR* As Low As
Platinum Preferred Mastercard® Platinum Preferred Mastercard (No Annual Fee) 9.99%
Platinum Classic Mastercard Platinum Classic Mastercard (No Annual Fee) 12.90%
Platinum Secured Mastercard Platinum Secured Mastercard ($35 Annual Fee) 15.90%
Cash Reward Mastercard® Cash Reward Mastercard (No Annual Fee) 12.24%

*Annual Percentage Rate (APR) is based on creditworthiness and will vary with the market based on the Prime Rate. APR is subject to change on the first day of the billing cycle monthly and will be determined by the Prime Rate index on first day of each calendar month, plus a margin. Your APR will be disclosed at the time of credit approval. For full details, click here.

Auto Rates

 

New Auto Loan Rates (2018 - 2019)

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Terms APR* As Low As
Up to 48 Months 3.09%
49 to 60 Months 3.49%
61 to 72 Months 3.84%
73 to 84 Months 4.34%

Used Auto Loan Rates (2016 - 2018)

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Terms APR* As Low As
Up to 48 Months 3.09%
49 to 60 Months 3.49%
61 to 72 Months 3.84%
73 to 84 Months 4.34%

*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: $22.17 for every $1,000 borrowed at 3.09% APR for 48 months. Your payment may vary. Rates current as of 2/15/19 and are subject to change without notice. Auto Loan rates available for vehicles not previously financed at American Heritage Federal Credit Union.

Other rates and terms available for vehicles 2015 & earlier. Ask for details.

Home Equity

 

Home Equity Loan Rates (Up to 70% LTV)

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Terms APR* As Low As
Up to 36 Months 2.49%
37 to 60 Months 3.74%
61 to 84 Months 3.99%
85 to 120 months 4.24%
121 to 180 Months 4.99%
181 to 240 Months ($20,000 minimum) 5.74%

Home Equity Loan Rates (71% - 80% LTV)

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Terms APR* As Low As
Up to 36 Months 2.49%
37 to 60 Months 3.74%
61 to 84 Months 3.99%
85 to 120 Months 4.24%
121 to 180 Months 4.99%
181 to 240 Months ($20,000 minimum) 5.99%

Home Equity Loan Rates (81% - 89% LTV)

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Terms APR* As Low As
Up to 36 Months 3.99%
37 to 60 Months 5.24%
61 to 84 Months 5.74%
85 to 120 Month 5.74%
121 to 180 Months 5.74%
181 to 240 Months ($20,000 minimum) 6.24%

Home Equity Loan Rates (91% - 95% LTV)

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Terms APR* As Low As
Up to 36 Months 3.99%
37 to 60 Months 5.24%
61 to 84 Months 5.74%
85 to 120 Months 5.74%
121 to 180 Months 5.74%
181 to 240 Months ($20,000 minimum) 6.49%

Platinum Fixed-Rate HELOC (3DP/5A)

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Terms APR* As Low As
Up to 70% LTV 3.74%
71 - 80% LTV 3.74%
81 - 90% LTV 5.24%
91 - 95% LTV 5.24%

Platinum Fixed-Rate HELOC (3DP/10A)

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Terms APR* As Low As
Up to 70% LTV 4.24%
71 - 80% LTV 4.24%
81 - 90% LTV 5.74%
91 - 95% LTV 5.74%

Platinum Fixed-Rate HELOC (3DP/15A)

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Terms APR* As Low As
Up to 70% LTV 5.49%
71 - 80% LTV 5.74%
81 - 90% LTV 5.99%
91 - 95% LTV 6.24%

Gold Home Equity Line of Credit

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Terms APR* As Low As
Up to 70% LTV 4.74%
71 - 80% LTV 4.74%
81 - 90% LTV 5.49%
91 - 95% LTV 5.99%

Interest-Only-HELOC

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Terms APR* As Low As
Up to 70% LTV 5.25%
71 - 80% LTV 5.25%
81 - 90% LTV 6.24%
91 - 95% LTV 6.74%

*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.

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.

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.

Other Loans

 

Personal Loan Rates

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Terms Monthly Payment APR* As Low As
Up to 24 Months ($1000 minimum) $45.57 8.74%
25 to 60 Months ($300 minimum) $20.63 8.74%
61 to 72 Months ($300 minimum) $19.94 12.74%
73 to 120 Months ($300 minimum) $14.78 12.74%

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: $14.78 for every $1000 borrowed at 12.74% APR at 120 months. Monthly payment (per $1,000) examples are based on longest term in each range. Your payment may vary.

Motorcycle Loan Rates

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Model Year Terms APR* As Low As
Model Year 2017 - 2018 0-36 Months ($5,000+) 4.49%
Model Year 2017 - 2018 37-60 Months ($10,000+) 4.74%
Model Year 2017 - 2018 61-72 Months ($25,000+) 4.99%
Model Year 2011 - 2016 0-36 Months ($5,000+) 5.49%
Model Year 2011 - 2016 37-60 Months ($10,000+) 5.74%
Model Year 2011 - 2016 61-71 Months ($25,000+) 5.99%
2010 & Earlier 0-60 Months 7.49%

*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: $17.75 for every $1000 borrowed at 2.49% APR at 60 months. Monthly payment (per $1,000) examples are based on longest term in each range. Your payment may vary. Auto Loan rates available for vehicles not previously financed at American Heritage Federal Credit Union.

Recreational Vehicle Loan Rates

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Model Year Terms APR* As Low As
2010 - 2017 $5,000 to $10,000 - up to 84 months 7.49%
2010 - 2017 $10,001 to $24,999 - up to 120 months 6.49%
2010 - 2017 $25,000 to $49,999 - up to 180 months 6.24% APR*
2010 - 2017 $50,000 to $74,999 - up to 180 months 5.99%
2010 - 2017 $75,000 & above - up to 180 months 5.99%
2009 & Earlier $5,000 to $10,000 - up to 84 months 9.49%
2009 & Earlier $10,001 to $24,999 - up to 120 months 8.49%
2009 & Earlier $25,000 to $49,999 - up to 180 months 8.24%
2009 & Earlier $50,000 to $74,999 - up to 180 months 7.99%
2009 & Earlier $75,000 & above - up to 180 months 7.99%

*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: $17.75 for every $1000 borrowed at 2.49% APR at 60 months. Monthly payment (per $1,000) examples are based on longest term in each range. Your payment may vary. Auto Loan rates available for vehicles not previously financed at American Heritage Federal Credit Union.

Power Watercraft & ATV Loan Rates

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Model Year Terms APR* As Low As
2017-2018 0-36 Months ($5,000+) 6.49%
2017-2018 37-60 Months ($10,000+) 6.74%
2017-2018 61-72 Months ($25,000+) 6.99%
2011 - 2016 0-36 Months ($5,000+) 7.49%
2011 - 2016 37-60 Months ($10,000+) 7.74%
2011 - 2016 61-72 Months ($25,000+) 7.99%
2010 & Earlier Up to 60 ($10,000+) 9.49%

*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: $17.75 for every $1000 borrowed at 2.49% APR at 60 months. Monthly payment (per $1,000) examples are based on longest term in each range. Your payment may vary. Auto Loan rates available for vehicles not previously financed at American Heritage Federal Credit Union.

Mobile Home Loan Rates

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Terms Monthly Payment APR* As Low As
1 to 15 Years $9.26 (Per $1,000) 7.49%

*APR = Annual Percentage Rate. Monthly payment (per $1,000) examples are based on longest term in each range. Payments do not include amount for taxes and insurance premiums and, if applicable, the payment obligation will be greater.

Other Loan Rates

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Loan Type APR* As Low As
Share Loans (Up to 10 Years) 5.00%
IRA Loans (To Fund an IRA) (2 Year Term) 5.00%
Personal Line of Credit (Variable Rate) 12.65%
Certificate Loans (Up to 5 Years) 2% Above Current Term Share Certificate Rate

*Rates shown include a 0.25% reduction to the Annual Percentage Rate, APR, if loan payments are made by Payroll Deduction or Automatic Transfer from an AMHFCU account. Annual percentage rates on these products are determined by an evaluation of applicant credit. Your rate may vary from the rate shown. All payments quoted are based on per $1,000 borrowed. Sample Monthly Payment Personal Line of Credit: $25.00 for every $1000 borrowed, The minimum payment is 2.5% of the loan limit. Monthly payment (per $1,000) examples are based on longest term in each range. Sample Monthly Payment Share Loan: $10.61 for every $1000 borrowed at 5.00% APR at 120 months. Monthly payment (per $1,000) examples are based on longest term in each range. Sample Monthly Payment IRA Loan: $43.88 for every $1000 borrowed at 5.00% APR at 24 months. Monthly payment (per $1,000) examples are based on longest term in each range.

All rates and dividends are effective as of today's date and subject to change without notice. Rates on deposit and share accounts, if applicable, are subject to change after thh account is opened.