Credit union · NCUA insured
American Heritage Credit Union CD Rates
Top CarrotAmerican Heritage Credit Union’s best CD rate is 4.25% APY on a 15-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How American Heritage Credit Union’s CD rates compare
Compared with banks and credit unions near Philadelphia, PA-NJ-DE-MD, where American Heritage Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
American Heritage Credit Union
4.20%APY
- Term
- 18 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $637
Certificates
Top rate
Monroe Savings Bank (Williamstown, NJ)
5.00%APY
- Term
- 6 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $247
2nd-highest rate
First Financial Federal Credit Union
5.00%APY
- Term
- 7 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $289
American Heritage Credit Union CD score
90
CD score
Higher than 90% of U.S. banks and credit unions
By term
- 3–8 months3–8 mo3.85%
- 9–15 months9–15 mo4.10%
- 16–30 months16–30 mo4.20%
- 31–60 months31–60 mo4.01%
- QualifiedQualified4.20%
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 Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Certificates
Up to 4.20%APY · 19 terms
Open with as little as $500. Listed APY paid on $1,000 minimum balance ($100,000 minimum for Jumbo). $500 minimum balance Share Certificates available at 0.10% lower APY. A penalty will or may be imposed for early withdrawal.
| Term | APY · $10 and up | APY · $500 and up | APY · $1,000 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 3 monthsListed APY paid on $1,000 minimum balance; $500 minimum balance available at 0.10% lower APY. A penalty will or may be imposed for early withdrawal | — | — | 3.65% | — | 3.65% | $90 |
| 4 monthsListed APY paid on $1,000 minimum balance; $500 minimum balance available at 0.10% lower APY. A penalty will or may be imposed for early withdrawal | — | — | 3.65% | — | 3.65% | $120 |
| 5 monthsListed APY paid on $1,000 minimum balance; $500 minimum balance available at 0.10% lower APY. A penalty will or may be imposed for early withdrawal | — | — | 3.65% | — | 3.65% | $150 |
| 6 monthsListed APY paid on $1,000 minimum balance; $500 minimum balance available at 0.10% lower APY. A penalty will or may be imposed for early withdrawal | — | — | 3.85% | — | 3.85% | $191 |
| 7 monthsListed APY paid on $1,000 minimum balance; $500 minimum balance available at 0.10% lower APY. A penalty will or may be imposed for early withdrawal | — | — | 3.85% | — | 3.85% | $223 |
| 8 monthsListed APY paid on $1,000 minimum balance; $500 minimum balance available at 0.10% lower APY. A penalty will or may be imposed for early withdrawal | — | — | 3.85% | — | 3.85% | $255 |
| 9 monthsListed APY paid on $1,000 minimum balance; $500 minimum balance available at 0.10% lower APY. A penalty will or may be imposed for early withdrawal | — | — | 3.91% | — | 3.91% | $292 |
| 10 monthsListed APY paid on $1,000 minimum balance; $500 minimum balance available at 0.10% lower APY. A penalty will or may be imposed for early withdrawal | 3.85% | — | — | — | 3.85% | $320 |
| 11 monthsListed APY paid on $1,000 minimum balance; $500 minimum balance available at 0.10% lower APY. A penalty will or may be imposed for early withdrawal | — | — | 3.85% | — | 3.85% | $352 |
| 12 monthsListed APY paid on $1,000 minimum balance; $500 minimum balance available at 0.10% lower APY. A penalty will or may be imposed for early withdrawal | — | — | 4.10% | — | 4.10% | $410 |
| 13 monthsListed APY paid on $1,000 minimum balance; $500 minimum balance available at 0.10% lower APY. A penalty will or may be imposed for early withdrawal | — | — | 4.01% | — | 4.01% | $435 |
| 15 months15 Month Jumbo special ($100,000 minimum balance). Available only to existing members of American Heritage Credit Union, or new member Jumbo certificate account holders must be residents of Pennsylvania, New Jersey or Delaware. Subject to cancellation or withdrawal without prior notice. A penalty will or may be imposed for early withdrawal | — | — | — | 4.25% | —4.25% from $100k | — |
| 15 monthsListed APY paid on $1,000 minimum balance; $500 minimum balance available at 0.10% lower APY. A penalty will or may be imposed for early withdrawal | — | — | 4.01% | — | 4.01% | $504 |
| 18 months18 Month Legacy Club. A penalty will or may be imposed for early withdrawal | — | — | 4.20% | — | 4.20% | $637 |
| 18 monthsListed APY paid on $1,000 minimum balance; $500 minimum balance available at 0.10% lower APY. A penalty will or may be imposed for early withdrawal | — | — | 4.10% | — | 4.10% | $621 |
| 20 monthsListed APY paid on $1,000 minimum balance; $500 minimum balance available at 0.10% lower APY. A penalty will or may be imposed for early withdrawal | — | — | 4.01% | — | 4.01% | $677 |
| 24 monthsListed APY paid on $1,000 minimum balance; $500 minimum balance available at 0.10% lower APY. A penalty will or may be imposed for early withdrawal | — | — | 4.10% | — | 4.10% | $837 |
| 30 monthsListed APY paid on $1,000 minimum balance; $500 minimum balance available at 0.10% lower APY. A penalty will or may be imposed for early withdrawal | — | — | 4.01% | — | 4.01% | $1,033 |
| 36 monthsListed APY paid on $1,000 minimum balance; $500 minimum balance available at 0.10% lower APY. A penalty will or may be imposed for early withdrawal | — | — | 4.01% | — | 4.01% | $1,252 |
| 48 monthsListed APY paid on $1,000 minimum balance; $500 minimum balance available at 0.10% lower APY. A penalty will or may be imposed for early withdrawal | — | 4.01% | — | — | 4.01% | $1,703 |
| 60 monthsListed APY paid on $1,000 minimum balance; $500 minimum balance available at 0.10% lower APY. A penalty will or may be imposed for early withdrawal | — | — | 4.01% | — | 4.01% | $2,172 |
Sources (2)
All captured Oct 16, 2026
Bump-Up Certificates
4.00%APY · 2 terms
Allows a one-time dividend rate increase during the certificate term to correspond with 47-month or 59-month fixed-rate certificate rates. The new rate remains in effect until the certificate maturity date. Early withdrawal penalty may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 47 monthsOption to increase dividend rate one time during the term. Listed APY paid on $1,000 minimum balance; $500 minimum balance available at 0.10% lower APY. Early withdrawal penalty may apply | 4.00% | $1,660 |
| 59 monthsOption to increase dividend rate one time during the term. Listed APY paid on $1,000 minimum balance; $500 minimum balance available at 0.10% lower APY. Early withdrawal penalty may apply | 4.00% | $2,127 |
Sources (2)
All captured Oct 16, 2026
Special-purpose accounts
IRA Certificates
Up to 4.20%APY · 19 terms
Open with as little as $500. Listed APY paid on $1,000 minimum balance ($100,000 minimum for Jumbo). $500 minimum balance Share and IRA Certificates available at 0.10% lower APY. Early withdrawal penalties apply. IRA and IRA Certificates insured an additional $250,000 by ESI.
| Term | APY · $1,000 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 monthsListed APY paid on $1,000 minimum balance; $500 minimum balance available at 0.10% lower APY. Early withdrawal penalty may apply | 3.65% | — | 3.65% | $90 |
| 4 monthsListed APY paid on $1,000 minimum balance; $500 minimum balance available at 0.10% lower APY. Early withdrawal penalty may apply | 3.65% | — | 3.65% | $120 |
| 5 monthsListed APY paid on $1,000 minimum balance; $500 minimum balance available at 0.10% lower APY. Early withdrawal penalty may apply | 3.65% | — | 3.65% | $150 |
| 6 monthsListed APY paid on $1,000 minimum balance; $500 minimum balance available at 0.10% lower APY. Early withdrawal penalty may apply | 3.85% | — | 3.85% | $191 |
| 7 monthsListed APY paid on $1,000 minimum balance; $500 minimum balance available at 0.10% lower APY. Early withdrawal penalty may apply | 3.85% | — | 3.85% | $223 |
| 8 monthsListed APY paid on $1,000 minimum balance; $500 minimum balance available at 0.10% lower APY. Early withdrawal penalty may apply | 3.85% | — | 3.85% | $255 |
| 9 monthsListed APY paid on $1,000 minimum balance; $500 minimum balance available at 0.10% lower APY. Early withdrawal penalty may apply | 3.91% | — | 3.91% | $292 |
| 10 monthsListed APY paid on $1,000 minimum balance; $500 minimum balance available at 0.10% lower APY. Early withdrawal penalty may apply | 3.85% | — | 3.85% | $320 |
| 11 monthsListed APY paid on $1,000 minimum balance; $500 minimum balance available at 0.10% lower APY. Early withdrawal penalty may apply | 3.85% | — | 3.85% | $352 |
| 12 months12 Month (IRA Certificate) special. Listed APY paid on $1,000 minimum balance; $500 minimum balance available at 0.10% lower APY. Early withdrawal penalty may apply | 4.20% | — | 4.20% | $420 |
| 12 monthsListed APY paid on $1,000 minimum balance; $500 minimum balance available at 0.10% lower APY. Early withdrawal penalty may apply | 4.10% | — | 4.10% | $410 |
| 13 monthsListed APY paid on $1,000 minimum balance; $500 minimum balance available at 0.10% lower APY. Early withdrawal penalty may apply | 4.01% | — | 4.01% | $435 |
| 15 months15 Month Jumbo special ($100,000 minimum balance). Available only to existing members of American Heritage Credit Union, or new member Jumbo certificate account holders must be residents of Pennsylvania, New Jersey or Delaware. Subject to cancellation or withdrawal without prior notice. Early withdrawal penalty may apply | — | 4.25% | —4.25% from $100k | — |
| 15 monthsListed APY paid on $1,000 minimum balance; $500 minimum balance available at 0.10% lower APY. Early withdrawal penalty may apply | 4.01% | — | 4.01% | $504 |
| 18 monthsListed APY paid on $1,000 minimum balance; $500 minimum balance available at 0.10% lower APY. Early withdrawal penalty may apply | 4.10% | — | 4.10% | $621 |
| 20 monthsListed APY paid on $1,000 minimum balance; $500 minimum balance available at 0.10% lower APY. Early withdrawal penalty may apply | 4.01% | — | 4.01% | $677 |
| 24 monthsListed APY paid on $1,000 minimum balance; $500 minimum balance available at 0.10% lower APY. Early withdrawal penalty may apply | 4.10% | — | 4.10% | $837 |
| 30 monthsListed APY paid on $1,000 minimum balance; $500 minimum balance available at 0.10% lower APY. Early withdrawal penalty may apply | 4.01% | — | 4.01% | $1,033 |
| 36 monthsListed APY paid on $1,000 minimum balance; $500 minimum balance available at 0.10% lower APY. Early withdrawal penalty may apply | 4.01% | — | 4.01% | $1,252 |
| 48 monthsListed APY paid on $1,000 minimum balance; $500 minimum balance available at 0.10% lower APY. Early withdrawal penalty may apply | 4.01% | — | 4.01% | $1,703 |
| 60 monthsListed APY paid on $1,000 minimum balance; $500 minimum balance available at 0.10% lower APY. Early withdrawal penalty may apply | 4.01% | — | 4.01% | $2,172 |
Sources (2)
All captured Oct 16, 2026
Bump-Up IRA Certificates
4.00%APY · 2 terms
Allows a one-time dividend rate increase during the IRA certificate term to correspond with 47-month or 59-month fixed-rate certificate rates. The new rate remains in effect until the certificate maturity date. Early withdrawal penalty may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 47 monthsOption to increase dividend rate one time during the term. Listed APY paid on $1,000 minimum balance; $500 minimum balance available at 0.10% lower APY. Early withdrawal penalty may apply | 4.00% | $1,660 |
| 59 monthsOption to increase dividend rate one time during the term. Listed APY paid on $1,000 minimum balance; $500 minimum balance available at 0.10% lower APY. Early withdrawal penalty may apply | 4.00% | $2,127 |
Sources (2)
All captured Oct 16, 2026
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