Credit union · NCUA insured
American Heritage Credit Union Savings Rates
Top CarrotAmerican Heritage Credit Union’s best savings rate is 3.20% APY on $10,000, with its High-Yield Savings Account. Rates checked October 16, 2026.
How American Heritage Credit Union’s savings 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
3.20%APY
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000 a year
- $320
High-Yield Savings Account
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
Comenity Capital Bank
4.05%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $405
American Heritage Credit Union savings score
94
Savings score
Higher than 96% of U.S. banks and credit unions
- $1,000 balance$1,0000.11%
- $10,000 balance$10,0003.20%
- $100,000 balance$100,0003.20%
- QualifiedQualified3.20%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
High-Yield Savings Account
3.20%APY
Limit one High Yield Savings Account per member. $10 monthly service fee is waived if the daily balance is $10,000 or more. Account holder may withdraw funds three times per monthly statement cycle via check, transfer or withdrawal ($25 fee for each additional withdrawal per statement cycle). Maximum deposit amount is $1,000,000.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10,000 – $1,000,000$10 monthly fee waived with daily balance of $10,000 or more; first 3 transfers/withdrawals per month free, $25 for each subsequent.$10,000 – $1,000,000 | 3.20% | $320 | $10 monthly fee waived with daily balance of $10,000 or more; first 3 transfers/withdrawals per month free, $25 for each subsequent. |
Platinum Money Market Account
2.80%APY
Requires a balance of $75,000 or more to earn dividends. Minimum withdrawal amount of $1,000 per withdrawal to earn dividends. Write up to a combination of six checks and/or money transfers per month. $10 fee each time balance falls below $75,000. $5 fee for each share draft less than $1,000. First 6 checks/transfers/withdrawals free, subsequent $20 each.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $75,000 and upEarns dividends on daily balance posted monthly; closed before month end forfeits dividend. Minimum withdrawal of $1,000 to earn dividends.$75,000 and up | 2.80% | — | Earns dividends on daily balance posted monthly; closed before month end forfeits dividend. Minimum withdrawal of $1,000 to earn dividends. |
Sources (3)
- americanheritagecu.org/accounts/money-market
- americanheritagecu.org/rates
- americanheritagecu.org/docs/de…ees/schedule-of-fees.pdf
All captured Sep 17, 2026
VIP Money Market Account
2.60%APY
Requires a balance of $50,000 or more to earn dividends. Minimum withdrawal amount of $500 per withdrawal to earn dividends. Write up to a combination of six checks and/or money transfers per month. $10 fee each time balance falls below $50,000. $5 fee for each share draft less than $500. First 6 checks/transfers/withdrawals free, subsequent $20 each.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50,000 and upEarns dividends on daily balance posted monthly; closed before month end forfeits dividend. Minimum withdrawal of $500 to earn dividends.$50,000 and up | 2.60% | — | Earns dividends on daily balance posted monthly; closed before month end forfeits dividend. Minimum withdrawal of $500 to earn dividends. |
Sources (3)
- americanheritagecu.org/accounts/money-market
- americanheritagecu.org/rates
- americanheritagecu.org/docs/de…ees/schedule-of-fees.pdf
All captured Sep 17, 2026
Money Market Account
2.21%APY
Requires a balance of $2,000 or more to earn dividends. Minimum withdrawal amount of $500 per withdrawal to earn dividends. Write up to a combination of six checks and/or money transfers per month. $10 fee each time balance falls below $2,000. $5 fee for each share draft less than $500. First 6 checks/transfers/withdrawals free, subsequent $20 each.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,000 – $25,000Earns dividends on daily balance posted monthly; closed before month end forfeits dividend. Minimum withdrawal of $500 to earn dividends. | 2.21% | $221 | Earns dividends on daily balance posted monthly; closed before month end forfeits dividend. Minimum withdrawal of $500 to earn dividends. |
| $25,000 and upEarns dividends on daily balance posted monthly; closed before month end forfeits dividend. Minimum withdrawal of $500 to earn dividends. | 2.45% | — | Earns dividends on daily balance posted monthly; closed before month end forfeits dividend. Minimum withdrawal of $500 to earn dividends. |
Sources (3)
- americanheritagecu.org/accounts/money-market
- americanheritagecu.org/rates
- americanheritagecu.org/docs/de…ees/schedule-of-fees.pdf
All captured Sep 17, 2026
Identity Protection Savings
0.16%APY
Monthly fee of $4.00 includes fraud and identity theft protection services, free overdrafts from primary Share Savings Account, and free mobile and direct deposit. Minimum balance to earn dividends is $100.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $10,000Minimum balance to earn dividends is $100. | 0.11% | — | Minimum balance to earn dividends is $100. |
| $10,000 and up | 0.16% | $16 |
Sources (3)
- americanheritagecu.org/accounts/savings-account
- americanheritagecu.org/rates
- americanheritagecu.org/docs/de…ees/schedule-of-fees.pdf
All captured Oct 16, 2026
Primary Share Savings
0.16%APY
Dividends are earned on the daily account balance and posted monthly. Minimum balance of $100 required to earn dividends.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 – $10,000 | 0.11% | — |
| $10,000 and up | 0.16% | $16 |
Sources (2)
All captured Oct 16, 2026
Special-purpose accounts
Platinum IRA Share
0.36%APY
Platinum IRA Share requires a balance of $4,000 or more to earn stated rate. Insured up to $500,000 between NCUA ($250,000) and Excess Share Insurance Corporation ($250,000).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $4,000 and upBalances of $4,000 or more.$4,000 and up | 0.36% | $36 | Balances of $4,000 or more. |
Sources (1)
- americanheritagecu.org/rates · captured Oct 16, 2026
Regular IRA
0.31%APY
Regular IRA savings account earning dividends on daily balance. Insured up to $500,000 combined between NCUA and ESI.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.31% | $31 |
Sources (1)
- americanheritagecu.org/rates · captured Oct 16, 2026
Holiday Club Account
0.16%APY
Deposit as little as $5 a week. Once an early withdrawal is made, the account closes, and a new one can be opened after October 1. $100 minimum balance required to earn dividends.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 – $10,000 | 0.11% | — |
| $10,000 and up | 0.16% | $16 |
Sources (2)
All captured Oct 16, 2026
Little Patriots Account
0.16%APY
For children ages 0 to 4. Minimum opening deposit is $15 ($5 deposited by member and $10 contributed by American Heritage Credit Union to activate account). Minimum balance of $100 required to earn dividends. Dividends earn on daily account balance and post monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $10,000If member deposits $5, credit union contributes $10 to activate the account. Minimum balance to earn dividends is $100. | 0.11% | — | If member deposits $5, credit union contributes $10 to activate the account. Minimum balance to earn dividends is $100. |
| $10,000 and upIf member deposits $5, credit union contributes $10 to activate the account. Minimum balance to earn dividends is $100. | 0.16% | $16 | If member deposits $5, credit union contributes $10 to activate the account. Minimum balance to earn dividends is $100. |
Sources (3)
- americanheritagecu.org/accounts/youth-accounts
- americanheritagecu.org/accounts/savings-account
- americanheritagecu.org/rates
All captured Oct 16, 2026
Vacation Club Account
0.16%APY
No required minimum balance. Four withdrawals allowed annually. $100 minimum balance required to earn dividends.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 – $10,000 | 0.11% | — |
| $10,000 and up | 0.16% | $16 |
Sources (2)
All captured Oct 16, 2026
Who can join American Heritage Credit Union
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