--- title: "American Heritage Credit Union Rates: CDs to 4.25%, Mortgage 6.93%" description: "American Heritage Credit Union rates today: 5 1 arm mortgage 6.93% APR, savings & CDs up to 4.25% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join American Heritage Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/pennsylvania/american-heritage" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # American Heritage Credit Union Rates: CDs to 4.25%, Mortgage 6.93% ### Mortgage rates 4 offers | Product | Published | Rate | Term / condition | Status | | **5/1 ARM** 5 1 arm | 6.935% APR | 6.125% | — | Standard | | **30 Year Mortgage** other | 6.999% APR | 6.930% | — | Standard | | **30 Year FHA** other | 7.501% APR | 6.750% | — | Standard | | **30 Year No Closing Cost Refinance** other | — APR | 7.499% | — | Standard | American Heritage Credit Union mortgage rates as of November 13, 2026 ### Auto & vehicle rates 4 offers | Product | Published | Rate | Term / condition | Status | | **Up to 63-Month New Auto Loan** auto_new_63mo | — APR | 5.740% | 63 mo · new | Standard | | **Up to 63-Month Used Auto Loan** auto_used_63mo | — APR | 6.090% | 63 mo · used | Standard | | **Motorcycle Loan** motorcycle | — APR | 6.140% | — | Standard | | **RV Loan** rv | — APR | 8.740% | — | Standard | American Heritage Credit Union auto & vehicle rates as of November 13, 2026 ### HELOC rates 4 offers | Product | Published | Rate | Term / condition | Status | | **Home Equity Loan Up to 70%** heloc_fixed | — APR | 5.240% | — | Standard | | **Platinum Fixed-Rate HELOC** heloc_fixed | — APR | 5.990% | — | Standard | | **Gold HELOC** heloc_variable | — APR | 6.240% | — | Standard | | **Interest-Only HELOC** heloc_variable | — APR | 6.500% | — | Standard | American Heritage Credit Union heloc rates as of November 13, 2026 ### Savings & CD rates 3 offers | Product | Published | Rate | Term / condition | Status | | **Money Market** money_market | — APY | 2.21% | — | Standard | | **Platinum Money Market** money_market | — APY | 2.80% | — | Standard | | **High Yield Savings** savings | 4.25% APY | 3.20% | — | Standard | American Heritage Credit Union savings & cd rates as of November 13, 2026 As of November 13, 2026, American Heritage Credit Union offers a 5 1 arm mortgage at 6.935% APR. Savings and certificate yields up to 4.25% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/pennsylvania/american-heritage) , verified from [American Heritage Credit Union's official website](https://www.americanheritagecu.org/) Best product position **Better than the Pennsylvania median** 30-year fixed mortgage Gap to state best **46 bp** 46 bp from state best Vs. state median **23 bp better than median** 30-year fixed mortgage Products ranked **1** across tracked Pennsylvania markets | Product | Published APR | Position | Vs. state best | Vs. state median | | 30-year fixed mortgage | 7.00% | Better than the Pennsylvania median | 46 bp from state best | 23 bp better than median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim American Heritage Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=american-heritage&state=pennsylvania&code=PA&name=American%20Heritage%20Credit%20Union) Loading branch locator… ## About American Heritage Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 329.7K Assets $5.3B Founded 1948 Locations reported 36 NCUA charter 5621 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - First-time homebuyer program - Bilingual services - Student scholarships Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Eagle One** Bustleton Branch · Philadelphia · PA · 19152 About 2.1 miles away](https://rateapi.dev/credit-unions/delaware/eagle-one) [**Police & Fire** Leo Mall Branch · Philadelphia · PA · 19116-2515 About 2.4 miles away](https://rateapi.dev/credit-unions/pennsylvania/police-fire) [**Asbestos Workers Local 14** Asbestos Workers Local 14 · Philadelphia · PA · 19116 About 2.8 miles away](https://rateapi.dev/credit-unions/pennsylvania/asbestos-workers-local-14) [**Sun** Northeast Philadelphia Branch · Philadelphia · PA · 19111-7305 About 2.9 miles away](https://rateapi.dev/credit-unions/ohio/sun) [**Trumark Financial** Large St (Northeast Phila) · Philadelphia · PA · 19152 About 2.9 miles away](https://rateapi.dev/credit-unions/pennsylvania/trumark-financial) [**Reliance** Reliance Branch · Philadelphia · PA · 19136-1304 About 3.2 miles away](https://rateapi.dev/credit-unions/pennsylvania/reliance) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join American Heritage Credit Union Membership eligibility from American Heritage Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on American Heritage Credit Union's website. Check the membership page below to confirm whether you qualify. - Location PA - Association Kids-N-Hope Foundation **Cost to join:** About $5. Verified from [American Heritage Credit Union's membership page](https://www.americanheritagecu.org/open-an-account) . Final membership determination is always made by the credit union. ## Membership rules for American Heritage Credit Union Geography 68 · Associations · Family 2 71 published paths to membership, last verified November 8, 2026, quoted from American Heritage Credit Union’s own published criteria. ### Geography 17 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified November 8, 2026 - Ambler, PA - Bensalem, PA - Bridgeport, PA - Bristol, PA - Bryn Athyn, PA - Butler, PA - Cheltenham, PA - Conshohocken, PA - Fort Washington, PA - Norristown, PA - Penndel, PA - Philadelphia, PA - Souderton, PA - Southampton, PA - Tullytown, PA - Villanova, PA - Warminster Heights, PA “You or an immediate relative live, work, worship, or attend school in one of our designated services areas, which include: The City of Philadelphia, as well as specific portions of the following communities: Ambler, Bensalem, Bridgeport, Bristol, Bryn Athyn, Butler, Cheltenham, Conshohocken, Fort…” > [source ↗](https://www.americanheritagecu.org/open-an-account) ### Associations 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified November 8, 2026 - Member of Kids-N-Hope Foundation “You can join by becoming a member of the Kids-N-Hope Foundation by making a one-time minimum donation of $5 to the Kids-N-Hope Foundation .” > [source ↗](https://www.americanheritagecu.org/open-an-account) - Member of Kids-N-Hope Foundation ### Family 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified November 8, 2026 - Family of a member household member “You share a household with a current member or eligible member.” > [source ↗](https://www.americanheritagecu.org/open-an-account) - Family member (household member) of a member - Family of a member immediate family “You are an immediate family member of an American Heritage employee, current member or eligible member.” > [source ↗](https://www.americanheritagecu.org/open-an-account) - Family member (immediate family) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for American Heritage Credit Union? Yes No ## Work at American Heritage Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where American Heritage Credit Union ranks against Pennsylvania peers. - See which AI assistants fetched American Heritage Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Pennsylvania - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=american-heritage&state=pennsylvania&code=PA&name=American%20Heritage%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does American Heritage Credit Union offer? American Heritage Credit Union currently offers mortgage, vehicle loan, and HELOC rates. The rates shown on this page were last verified November 13, 2026 directly from the credit union's official website. ### How often are American Heritage Credit Union rates updated? RateAPI verifies American Heritage Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 13, 2026. ### Where does RateAPI get American Heritage Credit Union's rate data? Rate data is collected directly from American Heritage Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is American Heritage Credit Union's mortgage rate? As of November 13, 2026, American Heritage Credit Union offers a 5 1 arm mortgage at 6.935% APR. ### What is American Heritage Credit Union's best CD rate? As of November 13, 2026, American Heritage Credit Union offers savings and certificate (CD) yields up to 4.25% APY. ### Who can join American Heritage Credit Union? American Heritage Credit Union publishes its membership criteria on its own website. RateAPI tracks 71 published membership paths covering 68 geographic areas and 1 association for American Heritage Credit Union, each quoted from American Heritage Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare American Heritage Credit Union's rates against national credit-union benchmarks. [More Pennsylvania credit unions](https://rateapi.dev/credit-unions/pennsylvania) [Pennsylvania mortgage rate leaders](https://rateapi.dev/mortgage-rates/pennsylvania) [Pennsylvania auto loan rate leaders](https://rateapi.dev/auto-loan-rates/pennsylvania) [Pennsylvania HELOC rate leaders](https://rateapi.dev/heloc-rates/pennsylvania) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.americanheritagecu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track American Heritage Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Pennsylvania credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for American Heritage Credit Union curl "https://api.rateapi.dev/credit-unions/pennsylvania /american-heritage " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## American Heritage Credit Union locations Search, filter, and browse all 36 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/pennsylvania/american-heritage Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp