Certificate/IRA Accounts

American Heritage IRA & Certificates

There's still time to contribute to an IRA before tax season ends, so take advantage of our IRA Specials!

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.

59 Month Bump-Up Certificate or IRA

  • 2.55% APY*
  • This Certificate/IRA allows you to increase your rate one time during the term of your account. Once you set the higher rate, it will remain that rate for the duration of your Certificate's term.
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Open a Certificate of Deposit or IRA from American Heritage and get the most from your savings.

Certificates / IRA Certificates

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Term APY* Dividend Rate
3 Month 1.00% 0.995%
4 Month 1.00% 0.995%
4 Month** 4.00% 3.928%
5 Month 1.00% 0.995%
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 2.50% 2.472%
18 Month 2.450% 2.423%
24 Month 2.30% 2.276%
30 Month 2.30% 2.276%
36 Month 2.40% 2.374%
48 Month 2.50% 2.472%
60 Month 2.60% 2.569%

Bump-Up Certificates / IRA

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Term APY* Dividend Rate
47 Month 2.45% 2.423%
59 Month 2.55% 2.520%

Looking for more ways to save?

Check out our great savings account options.
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Planning for retirement?

Get the information you need to start paving the path to a comfortable retirement.

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 1/25/19. 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

Call 800-342-0008 for further rate details.