2020 Overview
General Credit Union Information
American Heritage is an NCUA insured institution located in Philadelphia, PA. It was founded in 1948 and has approximately $2849.73 millions in assets.
Who can join?
Anyone employed by the union's Sponsor Companies
Any immediate family members of current or eligible members
This Includes: spouse, children, parents, siblings, grandchildren,
grandparents, stepparents, and stepchildren
Anyone living in the same household with a current or eligible member
Members of the Kids-N-Hope Foundation
Anyone who lives, works or worships in certain areas of:
Ambler
Bensalem
Bridgeport
Bristol
Bryn Athyn
Butler
Cheltenham
Conshohocken
Fort Washington
Norristown
Penndel
Souderton
Southampton
Tullytown
Villanova
Warminster Heights
| NCUA Insured | Yes |
| Charter Number # | # 5621 |
| Date Established | 1948 |
| Assets | $2,849.73 million |
| Loans | $2,192.81 million |
| Deposits | $2,133.95 million |
| Capital | $228.02 million |
Field of Membership Restrictions
Deposit Rates - October 22, 2020
Your Current Location: Connecticut, CT 06828
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.11% | $2,500 | $4,999 |
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|
| Special: SAV
|
0.60% | $10,000 | $1,000,000 |
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|
|
Money Market
|
0.20% | $2,500 | $2,999 |
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|
|
Money Market
|
0.20% | $10,000 | $14,999 |
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|
|
Money Market
|
0.30% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 3 Mo CD
|
0.25% | $10,000 | $14,999 |
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|
| 3 Mo CD
|
0.25% | $100,000 | $199,999 |
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|
| Special: 4 Mo CD
|
4.00% | $1,000 | $2,000 |
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|
| 6 Mo CD
|
0.50% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.50% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.70% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.70% | $100,000 | $199,999 |
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|
| 18 Mo CD
|
0.80% | $10,000 | $14,999 |
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|
| 18 Mo CD
|
0.80% | $100,000 | $199,999 |
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|
| Special: 20 Mo CD
|
0.85% | $1,000 | - |
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|
| 24 Mo CD
|
0.85% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.85% | $100,000 | $199,999 |
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|
| 30 Mo CD
|
0.90% | $10,000 | $14,999 |
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|
| 30 Mo CD
|
0.90% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
1.00% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
1.00% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
1.15% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
1.15% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
1.25% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
1.25% | $100,000 | $199,999 |
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|
| Variable IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Var IRA
|
0.31% | $1 | $499 | Learn More |
| Fixed IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Special: 4 Mo FIRA
|
4.00% | $1,000 | $2,000 | Learn More |
| Special: 20 Mo FIRA
|
0.85% | $1,000 | - | Learn More |
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.10% | $2,500 | $3,499 | Learn More |
Loan Rates - October 22, 2020
Your Current Location: Connecticut, CT 06828
There are currently no loan rates available for AMERICAN HERITAGE
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Connecticut 30 Year Fixed Mortgage Rates 2020
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 3030 |
3.620% | 3.500% | 1.00 | $3,750 | $1,123 | Learn More |
NMLS ID: 2890 License#: 13256 |
2.570% | 2.500% | 0.88 | $2,312 | $988 | Learn More |
|
NMLS ID: 3030 |
3.620% | 3.500% | 1.00 | $3,750 | $1,123 | Learn More |
Featured - Connecticut Home Equity Line Of Credit Rates 2020
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loans See Table |
2.240 %
|
$0 |
Learn More
More Info |
People's United Bank, N.A. See Table |
4.000 %
|
$0 |
Learn More
More Info |
Note to AMERICAN HERITAGE
To upload and update your bank's rates please register.
It is free to register and add rates.
Branches
Below are American Heritage branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Fairfield,Connecticut
American Heritage Locations
Financial Details
American Heritage Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of American Heritage. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| American Heritage | U.S. Average |
|---|---|
| 11.18% | 6.71 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of March 30, 2020, American Heritage had $25,851,172 in non-current loans and $673,291 in owned assets. To cover these potential losses it had $228,018,762 in net worth and $9,171,979 in loans loss reserves. That gives it a Texas Ratio of 11.18%.
Net Worth
| American Heritage | U.S. Average |
|---|---|
| 8.42% | 13.61% |
American Heritage FCU has a net worth of 8.42% versus the BestCashCow average of 13.61. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Frequently Asked Questions About American Heritage
Branches and Savings
What is American Heritage?
A federal credit union, registered with the NCUA under certificate #5621.
Learn more about credit unions here.
Is American Heritage FDIC insured?
No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.
Who can join American Heritage?
Please see Field of Membership information above for information on who is eligible to join.
How big is American Heritage?
American Heritage has total capital of $228.02 million. Full information on American Heritage's financial position is located above.
Who owns American Heritage?
Credit Unions are owned by their members.
Where are American Heritage branches located?
See branch locations nearby.
Are American Heritage ATMs Open 24/7?
Do American Heritage ATMs accept cash deposits?
Can American Heritage customers use other ATMs? What is the charge for withdrawing money from another ATM?
Does American Heritage have a mobile app?
Does American Heritage have mobile deposit?
Does American Heritage have quick pay?
How can American Heritage transfer money to other banks or credit unions?
Does American Heritage report to credit bureaus?
Does American Heritage use Chexsystems?
Does American Heritage use Equifax?
What is American Heritage's toll free phone number?
What is American Heritage's ACH Routing Number?
What is American Heritage's SWIFT code?
Where can I find American Heritage's wire transfer form?
What is the American Heritage address for deposits?
What Products Does American Heritage Offer
Does American Heritage offer home equity lines of credit and home equity loans?
Compare home equity lines of credit rates here.
Joyce
April 15, 2016
Excellent bank with which to conduct business. Very helpful and they have competitive rates with promotions.
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