# American Heritage Federal Credit Union CD and share certificate rates

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.

Canonical page: https://apyledger.com/cd-rates/american-heritage-federal-credit-union
Institution: American Heritage Federal Credit Union (NCUA 5621)
Aliases: 
Status: live
Last verified: 2026-10-23T11:30:30.000Z (October 23, 2026)
Official source: https://www.americanheritagecu.org/rates
Coverage: Membership required. Regular, jumbo, bump-up and Legacy Club certificates; Legacy Club and jumbo eligibility requirements apply. Early withdrawal penalties may apply.
Treasury comparison date: 2026-10-22. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Certificate | standard | 3 months | $1,000 | 3.65% | Not ZIP-priced | −0.61% | 2026-10-23T11:30:30.000Z | [Snapshot 996](https://apyledger.com/snapshots/996) |
| Certificate | standard | 4 months | $1,000 | 3.65% | Not ZIP-priced | −0.69% | 2026-10-23T11:30:30.000Z | [Snapshot 996](https://apyledger.com/snapshots/996) |
| Certificate | standard | 5 months | $1,000 | 3.65% | Not ZIP-priced | −0.69% | 2026-10-23T11:30:30.000Z | [Snapshot 996](https://apyledger.com/snapshots/996) |
| Certificate | standard | 6 months | $1,000 | 3.85% | Not ZIP-priced | −0.49% | 2026-10-23T11:30:30.000Z | [Snapshot 996](https://apyledger.com/snapshots/996) |
| Certificate | standard | 7 months | $1,000 | 3.85% | Not ZIP-priced | −0.51% | 2026-10-23T11:30:30.000Z | [Snapshot 996](https://apyledger.com/snapshots/996) |
| Certificate | standard | 8 months | $1,000 | 3.85% | Not ZIP-priced | −0.53% | 2026-10-23T11:30:30.000Z | [Snapshot 996](https://apyledger.com/snapshots/996) |
| Certificate | standard | 9 months | $1,000 | 3.91% | Not ZIP-priced | −0.49% | 2026-10-23T11:30:30.000Z | [Snapshot 996](https://apyledger.com/snapshots/996) |
| Certificate | standard | 10 months | $1,000 | 3.85% | Not ZIP-priced | −0.57% | 2026-10-23T11:30:30.000Z | [Snapshot 996](https://apyledger.com/snapshots/996) |
| Certificate | standard | 11 months | $1,000 | 3.85% | Not ZIP-priced | −0.59% | 2026-10-23T11:30:30.000Z | [Snapshot 996](https://apyledger.com/snapshots/996) |
| Certificate | standard | 12 months | $1,000 | 4.10% | Not ZIP-priced | −0.36% | 2026-10-23T11:30:30.000Z | [Snapshot 996](https://apyledger.com/snapshots/996) |
| Certificate | standard | 13 months | $1,000 | 4.01% | Not ZIP-priced | −0.47% | 2026-10-23T11:30:30.000Z | [Snapshot 996](https://apyledger.com/snapshots/996) |
| Jumbo Certificate | special | 15 months | $100,000 | 4.25% | Not ZIP-priced | −0.27% | 2026-10-23T11:30:30.000Z | [Snapshot 996](https://apyledger.com/snapshots/996) |
| Certificate | standard | 15 months | $1,000 | 4.01% | Not ZIP-priced | −0.51% | 2026-10-23T11:30:30.000Z | [Snapshot 996](https://apyledger.com/snapshots/996) |
| Legacy Club Certificate | special | 18 months | $1,000 | 4.20% | Not ZIP-priced | −0.38% | 2026-10-23T11:30:30.000Z | [Snapshot 996](https://apyledger.com/snapshots/996) |
| Certificate | standard | 18 months | $1,000 | 4.10% | Not ZIP-priced | −0.48% | 2026-10-23T11:30:30.000Z | [Snapshot 996](https://apyledger.com/snapshots/996) |
| Certificate | standard | 20 months | $1,000 | 4.40% | Not ZIP-priced | −0.22% | 2026-10-23T11:30:30.000Z | [Snapshot 996](https://apyledger.com/snapshots/996) |
| Certificate | standard | 24 months | $1,000 | 4.10% | Not ZIP-priced | −0.60% | 2026-10-23T11:30:30.000Z | [Snapshot 996](https://apyledger.com/snapshots/996) |
| Certificate | standard | 30 months | $1,000 | 4.01% | Not ZIP-priced | −0.73% | 2026-10-23T11:30:30.000Z | [Snapshot 996](https://apyledger.com/snapshots/996) |
| Certificate | standard | 36 months | $1,000 | 4.01% | Not ZIP-priced | −0.77% | 2026-10-23T11:30:30.000Z | [Snapshot 996](https://apyledger.com/snapshots/996) |
| Bump-Up Certificate | standard | 47 months | $1,000 | 4.00% | Not ZIP-priced | −0.80% | 2026-10-23T11:30:30.000Z | [Snapshot 996](https://apyledger.com/snapshots/996) |
| Certificate | standard | 48 months | $1,000 | 4.01% | Not ZIP-priced | −0.80% | 2026-10-23T11:30:30.000Z | [Snapshot 996](https://apyledger.com/snapshots/996) |
| Bump-Up Certificate | standard | 59 months | $1,000 | 4.00% | Not ZIP-priced | −0.83% | 2026-10-23T11:30:30.000Z | [Snapshot 996](https://apyledger.com/snapshots/996) |
| Certificate | standard | 60 months | $1,000 | 4.01% | Not ZIP-priced | −0.83% | 2026-10-23T11:30:30.000Z | [Snapshot 996](https://apyledger.com/snapshots/996) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.