American Heritage Federal Credit Union CD & Share Certificate Rates — October 2026
As of October 23, 2026, American Heritage Federal Credit Union's highest tracked CD (share certificate) rate is 4.40% APY on a 20-month CD ($1,000 minimum). That is 2.8 times the FDIC national average for 24-month CDs (1.55%). Standard CD rates range from 3.65% to 4.40% APY.
Tracking began .
American Heritage Federal Credit Union CD & share certificate rates
Membership required. Regular, jumbo, bump-up and Legacy Club certificates; Legacy Club and jumbo eligibility requirements apply. Early withdrawal penalties may apply.
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-22 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
What are American Heritage Federal Credit Union's best CD rates by term?
American Heritage Federal Credit Union's best rate is 4.40% APY on 20 months, verified October 23, 2026.
- 3 mo3.65%
- 4 mo3.65%
- 5 mo3.65%
- 6 mo3.85%
- 7 mo3.85%
- 8 mo3.85%
- 9 mo3.91%
- 10 mo3.85%
- 11 mo3.85%
- 12 mo4.10%
- 13 mo4.01%
- 15 mo4.25%
- 18 mo4.20%
- 20 mo4.40%
- 24 mo4.10%
- 30 mo4.01%
- 36 mo4.01%
- 47 mo4.00%
- 48 mo4.01%
- 59 mo4.00%
- 60 mo4.01%
How much interest could a American Heritage Federal Credit Union CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
$743.61 interest · $10,743.61 at maturity on $10,000.00.
4.40% APY · 20 months · Certificate · Standard · verified October 23, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 3 months | $44.893.65% APY · Certificate · Standard | $89.783.65% APY · Certificate · Standard | $224.453.65% APY · Certificate · Standard | $448.903.65% APY · Certificate · Standard |
| 4 months | $60.273.65% APY · Certificate · Standard | $120.553.65% APY · Certificate · Standard | $301.373.65% APY · Certificate · Standard | $602.743.65% APY · Certificate · Standard |
| 5 months | $75.213.65% APY · Certificate · Standard | $150.413.65% APY · Certificate · Standard | $376.033.65% APY · Certificate · Standard | $752.063.65% APY · Certificate · Standard |
| 6 months | $95.603.85% APY · Certificate · Standard | $191.213.85% APY · Certificate · Standard | $478.023.85% APY · Certificate · Standard | $956.053.85% APY · Certificate · Standard |
| 7 months | $111.453.85% APY · Certificate · Standard | $222.903.85% APY · Certificate · Standard | $557.263.85% APY · Certificate · Standard | $1,114.513.85% APY · Certificate · Standard |
| 8 months | $127.353.85% APY · Certificate · Standard | $254.693.85% APY · Certificate · Standard | $636.733.85% APY · Certificate · Standard | $1,273.473.85% APY · Certificate · Standard |
| 9 months | $146.053.91% APY · Certificate · Standard | $292.113.91% APY · Certificate · Standard | $730.273.91% APY · Certificate · Standard | $1,460.553.91% APY · Certificate · Standard |
| 10 months | $159.823.85% APY · Certificate · Standard | $319.643.85% APY · Certificate · Standard | $799.103.85% APY · Certificate · Standard | $1,598.213.85% APY · Certificate · Standard |
| 11 months | $176.403.85% APY · Certificate · Standard | $352.803.85% APY · Certificate · Standard | $882.013.85% APY · Certificate · Standard | $1,764.023.85% APY · Certificate · Standard |
| 12 months | $205.004.10% APY · Certificate · Standard | $410.004.10% APY · Certificate · Standard | $1,025.004.10% APY · Certificate · Standard | $2,050.004.10% APY · Certificate · Standard |
| 13 months | $217.334.01% APY · Certificate · Standard | $434.674.01% APY · Certificate · Standard | $1,086.664.01% APY · Certificate · Standard | $2,173.334.01% APY · Certificate · Standard |
| 15 months | $251.734.01% APY · Certificate · Standard | $503.454.01% APY · Certificate · Standard | $1,258.644.01% APY · Certificate · Standard | $2,517.274.01% APY · Certificate · Standard |
| 18 months | $318.584.20% APY · Legacy Club Certificate · Special | $637.174.20% APY · Legacy Club Certificate · Special | $1,592.924.20% APY · Legacy Club Certificate · Special | $3,185.844.20% APY · Legacy Club Certificate · Special |
| 20 months | $371.814.40% APY · Certificate · Standard | $743.614.40% APY · Certificate · Standard | $1,859.044.40% APY · Certificate · Standard | $3,718.074.40% APY · Certificate · Standard |
| 24 months | $418.404.10% APY · Certificate · Standard | $836.814.10% APY · Certificate · Standard | $2,092.024.10% APY · Certificate · Standard | $4,184.054.10% APY · Certificate · Standard |
| 30 months | $516.724.01% APY · Certificate · Standard | $1,033.444.01% APY · Certificate · Standard | $2,583.614.01% APY · Certificate · Standard | $5,167.224.01% APY · Certificate · Standard |
| 36 months | $625.944.01% APY · Certificate · Standard | $1,251.894.01% APY · Certificate · Standard | $3,129.714.01% APY · Certificate · Standard | $6,259.434.01% APY · Certificate · Standard |
| 47 months | $830.474.00% APY · Bump-Up Certificate · Standard | $1,660.934.00% APY · Bump-Up Certificate · Standard | $4,152.344.00% APY · Bump-Up Certificate · Standard | $8,304.674.00% APY · Bump-Up Certificate · Standard |
| 48 months | $851.544.01% APY · Certificate · Standard | $1,703.094.01% APY · Certificate · Standard | $4,257.714.01% APY · Certificate · Standard | $8,515.434.01% APY · Certificate · Standard |
| 59 months | $1,063.694.00% APY · Bump-Up Certificate · Standard | $2,127.374.00% APY · Bump-Up Certificate · Standard | $5,318.434.00% APY · Bump-Up Certificate · Standard | $10,636.864.00% APY · Bump-Up Certificate · Standard |
| 60 months | $1,086.194.01% APY · Certificate · Standard | $2,172.384.01% APY · Certificate · Standard | $5,430.954.01% APY · Certificate · Standard | $10,861.904.01% APY · Certificate · Standard |
How American Heritage Federal Credit Union compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 608-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 3 of 15 tracked institutions with fresh 608-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Who can open | APY | Verified / source date |
|---|---|---|---|---|---|
| American Heritage Federal Credit Union (this institution)Certificate · Standard | 20 months | $1,000 | Membership required · branches in NJ, PA | 4.40% | October 23, 2026 |
| Citadel Credit Union20 Month Bonus Certificate · Promotional | 20 months | $75,000 | Membership required · branches in PA | 4.40% | October 22, 2026 |
| United BankDigital Rate CD · Promotional | 20 months | $500 | Branches in 9 states | 3.50% | October 22, 2026 |
| TruStone Financial Credit Union (highest tracked APY for this term)20 Month Special Certificate · Promotional | 20 months | $2,500 | Membership required · branches in MN, WI | 4.50% | October 23, 2026 |
| Treasury (APY-equivalent) | 20 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.62% | 2026-10-22 |
CD rate history
Tracking since October 2026. Each product, term, minimum deposit and location is tracked separately. Charts appear after 30 observed days per quote; missing days are not filled. Showing up to the latest year of observations.
Not enough daily observations yet. A chart will appear automatically once a quote has 30 observed days.
Rate changes
See changes across all tracked institutions
No changes since we started tracking American Heritage Federal Credit Union on October 23, 2026.
About American Heritage Federal Credit Union
- Legal name
- American Heritage Federal Credit Union
- Regulator ID
- NCUA 5621
- Headquarters
- Philadelphia, PA
- Available in
- NJ, PA
- Total assets
- $5.4 billion
- Also known as
- Website
- www.americanheritagecu.org
Source: rates read from https://www.americanheritagecu.org/rates. See the page text we read.
Frequently asked questions
What is the highest CD rate at American Heritage Federal Credit Union?
Among the rates we track, 4.40% APY on a 20-month CD, as of October 23, 2026.
What is the minimum deposit for a American Heritage Federal Credit Union CD?
The lowest minimum we found is $1,000; jumbo and higher balance tiers start at up to $100,000.
How does American Heritage Federal Credit Union's best CD rate compare with Treasury yields?
4.40% APY is −0.22% versus the 20-month Treasury yield of 4.62% (APY-equivalent) on 2026-10-22. Treasury interest is also exempt from state income tax.
Is 4.40% a good CD rate?
It is 2.8 times the FDIC national average for a similar term (1.55% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are American Heritage Federal Credit Union CDs insured?
American Heritage Federal Credit Union is a federally insured credit union (NCUA 5621). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.
What is a share certificate at American Heritage Federal Credit Union?
A share certificate is the credit union equivalent of a bank CD: a term deposit that pays a stated yield when its conditions are met. Membership requirements, minimum deposits and early withdrawal terms depend on the credit union and product.
How often is this page updated?
We check American Heritage Federal Credit Union's rate page every day. The rates above were last verified on October 23, 2026.
More credit union certificate rates
Rates are copied from American Heritage Federal Credit Union's website and may change at any time. Confirm terms, minimums and eligibility with American Heritage Federal Credit Union before opening an account. This page is not financial advice.