Bank · FDIC insured
American Heritage Bank CD Rates
American Heritage Bank’s best CD rate is 4.05% APY on a 7-month CD. Terms run from 3 months to 3 years. Rates checked October 15, 2026.
How American Heritage Bank’s CD rates compare
Compared with banks and credit unions near Tulsa, OK, where American Heritage Bank has the most branches. $10,000, best rate first.
This bank’s best
American Heritage Bank
4.05%APY
- Term
- 7 months
- Minimum
- $5,000
- Earns on $10,000
- $234
Certificate of Deposit
Top rate
Communication Federal Credit Union
4.35%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $472
2nd-highest rate
Oklahoma's Credit Union
4.30%APY
- Term
- 19 months
- Minimum
- $500
- Earns on $10,000
- $689
American Heritage Bank CD score
83
CD score
Higher than 63% of U.S. banks and credit unions
- 3–8 months3–8 mo4.05%
- 9–15 months9–15 mo3.10%
- 16–30 months16–30 mo3.30%
- 31–60 months31–60 mo3.40%
- QualifiedQualified4.05%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where American Heritage Bank ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificate of Deposit
Up to 4.05%APY · 7 terms
Penalty with early withdrawal of CD. Fees may reduce the Annual Percentage Yield.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 2.75% | $68 |
| 6 months | 3.00% | $149 |
| 7 monthsPersonal Special | 4.05% | $234 |
| 12 months | 3.10% | $310 |
| 18 months | 3.20% | $484 |
| 24 months | 3.30% | $671 |
| 36 months | 3.40% | $1,055 |
Sources (1)
- ahb.bank/personal/rates · captured Oct 15, 2026
Special-purpose accounts
IRA Certificate of Deposit
Up to 3.40%APY · 2 terms
Penalty with early withdrawal of IRA. Variable interest rates may change any time at the discretion of Bank management. Fees may reduce the Annual Percentage Yield.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsFixed & Roth & Education | 3.20% | $484 |
| 18 monthsVariable interest rate | 3.00% | $453 |
| 36 monthsFixed | 3.40% | $1,055 |
Sources (1)
- ahb.bank/personal/rates · captured Oct 15, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.