American Heritage IRA & Certificates
Start earning dividends, or interest on your funds today with our Certificates or IRA Certificates. Choose from our range of our high-yield short or long-term certificates from 3 months to 5 years. Open a Certificate account today with a low minimum deposit of $500 and begin earning the most from your funds!
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 interest 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****!
|4 Month (Special Promotion)**||4.00%||3.928%|
|6 Month (Legacy Club)||1.45%||1.440%|
All Rates are subject to change without notice. Rates listed paid on $1,000 minimum balance. Premature withdrawals are subject to penalty. Fees may reduce earnings. Rates current as of 01/01/20. Not a member? Join today.
*Annual Percentage Yield. (APY) Rates listed paid on $1000 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. 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. 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. 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.
**One certificate per Account. New money only. Maximum deposit of $2,000. All Rates are subject to change without notice. Rates listed paid on $1,000 minimum balance. $500 minimum balance Term Share and IRA Certificates available at 0.10% lower Annual Percentage Yield. Ask for details. A penalty will or may be imposed for early withdrawal
***Annual Percentage Yield (APY): Rates listed paid on $20,000 minimum balance for regular Certificates and paid on $2,000 minimum balance for IRA Certificates. Balances under $20,000 for regular Certificates and under $2,000 for IRA Certificates are available at 0.10% lower Annual Percentage Yield. IRA subject to IRS contribution limits. Consult your tax advisor. A penalty will or may be imposed for early withdrawal. Fees may reduce earnings.
****Annual Percentage Yield (APY): 1.70% 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. Account holder may withdraw funds once per monthly statement cycle via check, transfer or withdrawal, $25 fee for each additional withdrawal per statement cycle. Fees may reduce earnings.
Call 800-342-0008 for further rate details.