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American Heritage rates: up to 4.40% APY

credit union · NCUA CHARTER 5621 · www.americanheritagecu.org/

Savings

ProductTerm / tierRateBasisRecordedHistoryChange
High-Yield Savings$10,000 or more 3.20%APY2026-11-01 since 2026-11-01
Identity Protection Savings$100 to $9,999.99 0.11%APY2026-11-01 since 2026-11-01
Identity Protection Savings$10,000 or more 0.16%APY2026-11-01 since 2026-11-01
Platinum IRA ShareBalances of $4,000 or more 0.36%APY2026-11-01 since 2026-11-01
Primary Share Savings$100 to $9,999.99 0.11%APY2026-11-01 since 2026-11-01
Primary Share Savings$10,000 or more 0.16%APY2026-11-01 since 2026-11-01
Regular IRA 0.31%APY2026-11-01 since 2026-11-01

CDs

ProductTerm / tierRateBasisRecordedHistoryChange
Certificates / IRA Certificates3 Month 3.65%APY2026-11-01 since 2026-11-01
Certificates / IRA Certificates3 Month 3.65%APY2026-11-01 since 2026-11-01
Certificates/IRA Certificates3 Month 3.65%APY2026-11-01 since 2026-11-01
Certificates / IRA Certificates4 Month 3.65%APY2026-11-01 since 2026-11-01
Certificates / IRA Certificates4 Month 3.65%APY2026-11-01 since 2026-11-01
Certificates/IRA Certificates4 Month 3.65%APY2026-11-01 since 2026-11-01
Certificates / IRA Certificates5 Month 3.65%APY2026-11-01 since 2026-11-01
Certificates / IRA Certificates5 Month 3.65%APY2026-11-01 since 2026-11-01
Certificates/IRA Certificates5 Month 3.65%APY2026-11-01 since 2026-11-01
Certificates / IRA Certificates6 Month 3.85%APY2026-11-01 since 2026-11-01
Certificates / IRA Certificates6 Month 3.85%APY2026-11-01 since 2026-11-01
Certificates/IRA Certificates6 Month 3.85%APY2026-11-01 since 2026-11-01
Certificates / IRA Certificates7 Month 3.85%APY2026-11-01 since 2026-11-01
Certificates / IRA Certificates7 Month 3.85%APY2026-11-01 since 2026-11-01
Certificates/IRA Certificates7 Month 3.85%APY2026-11-01 since 2026-11-01
Certificates / IRA Certificates8 Month 3.85%APY2026-11-01 since 2026-11-01
Certificates / IRA Certificates8 Month 3.85%APY2026-11-01 since 2026-11-01
Certificates/IRA Certificates8 Month 3.85%APY2026-11-01 since 2026-11-01
Certificates / IRA Certificates9 Month 3.91%APY2026-11-01 since 2026-11-01
Certificates / IRA Certificates9 Month 3.91%APY2026-11-01 since 2026-11-01
Certificates/IRA Certificates9 Month 3.91%APY2026-11-01 since 2026-11-01
Certificates / IRA Certificates10 Month 3.85%APY2026-11-01 since 2026-11-01
Certificates / IRA Certificates10 Month 3.85%APY2026-11-01 since 2026-11-01
Certificates/IRA Certificates10 Month 3.85%APY2026-11-01 since 2026-11-01
Certificates / IRA Certificates11 Month 3.85%APY2026-11-01 since 2026-11-01
Certificates / IRA Certificates11 Month 3.85%APY2026-11-01 since 2026-11-01
Certificates/IRA Certificates11 Month 3.85%APY2026-11-01 since 2026-11-01
Certificates / IRA Certificates12 Month 4.10%APY2026-11-01 since 2026-11-01
Certificates / IRA Certificates12 Month (IRA Certificate) 4.20%APY2026-11-01 since 2026-11-01
Certificates / IRA Certificates12 Month 4.10%APY2026-11-01 since 2026-11-01
Certificates / IRA Certificates12 Month (IRA Certificate) 4.20%APY2026-11-01 since 2026-11-01
Certificates/IRA Certificates12 Month 4.10%APY2026-11-01 since 2026-11-01
Certificates/IRA Certificates12 Month (IRA Certificate) 4.20%APY2026-11-01 since 2026-11-01
Certificates / IRA Certificates13 Month 4.01%APY2026-11-01 since 2026-11-01
Certificates / IRA Certificates13 Month 4.01%APY2026-11-01 since 2026-11-01
Certificates/IRA Certificates13 Month 4.01%APY2026-11-01 since 2026-11-01
Certificates / IRA Certificates15 Month 4.01%APY2026-11-01 since 2026-11-01
Certificates / IRA Certificates15 Month Jumbo ($100,000 minimum) 4.25%APY2026-11-01 since 2026-11-01
Certificates / IRA Certificates15 Month 4.01%APY2026-11-01 since 2026-11-01
Certificates / IRA Certificates15 Month Jumbo ($100,000 minimum) 4.25%APY2026-11-01 since 2026-11-01
Certificates/IRA Certificates15 Month 4.01%APY2026-11-01 since 2026-11-01
Certificates/IRA Certificates15 Month Jumbo ($100,000 minimum) 4.25%APY2026-11-01 since 2026-11-01
Certificates / IRA Certificates18 Month 4.10%APY2026-11-01 since 2026-11-01
Certificates / IRA Certificates18 Month (Legacy Club) 4.20%APY2026-11-01 since 2026-11-01
Certificates / IRA Certificates18 Month 4.10%APY2026-11-01 since 2026-11-01
Certificates / IRA Certificates18 Month (Legacy Club) 4.20%APY2026-11-01 since 2026-11-01
Certificates/IRA Certificates18 Month 4.10%APY2026-11-01 since 2026-11-01
Certificates/IRA Certificates18 Month (Legacy Club) 4.20%APY2026-11-01 since 2026-11-01
Certificates / IRA Certificates20 Month 4.40%APY2026-11-01 since 2026-11-01
Certificates / IRA Certificates20 Month 4.40%APY2026-11-01 since 2026-11-01
Certificates/IRA Certificates20 Month 4.40%APY2026-11-01 since 2026-11-01
Certificates / IRA Certificates24 Month 4.10%APY2026-11-01 since 2026-11-01
Certificates / IRA Certificates24 Month 4.10%APY2026-11-01 since 2026-11-01
Certificates/IRA Certificates24 Month 4.10%APY2026-11-01 since 2026-11-01
Certificates / IRA Certificates30 Month 4.01%APY2026-11-01 since 2026-11-01
Certificates / IRA Certificates30 Month 4.01%APY2026-11-01 since 2026-11-01
Certificates/IRA Certificates30 Month 4.01%APY2026-11-01 since 2026-11-01
Certificates / IRA Certificates36 Month 4.01%APY2026-11-01 since 2026-11-01
Certificates / IRA Certificates36 Month 4.01%APY2026-11-01 since 2026-11-01
Certificates/IRA Certificates36 Month 4.01%APY2026-11-01 since 2026-11-01
Bump-Up Certificate/IRA Certificate47 Month 4.00%APY2026-11-01 since 2026-11-01
Bump-Up Certificates/IRA47 Month 4.00%APY2026-11-01 since 2026-11-01
Bump-Up Certificates/IRA47 Month 4.00%APY2026-11-01 since 2026-11-01
Certificates / IRA Certificates48 Month 4.01%APY2026-11-01 since 2026-11-01
Certificates / IRA Certificates48 Month 4.01%APY2026-11-01 since 2026-11-01
Certificates/IRA Certificates48 Month 4.01%APY2026-11-01 since 2026-11-01
Bump-Up Certificate/IRA Certificate59 Month 4.00%APY2026-11-01 since 2026-11-01
Bump-Up Certificates/IRA59 Month 4.00%APY2026-11-01 since 2026-11-01
Bump-Up Certificates/IRA59 Month 4.00%APY2026-11-01 since 2026-11-01
Certificates / IRA Certificates60 Month 4.01%APY2026-11-01 since 2026-11-01
Certificates / IRA Certificates60 Month 4.01%APY2026-11-01 since 2026-11-01
Certificates/IRA Certificates60 Month 4.01%APY2026-11-01 since 2026-11-01

Money market

ProductTerm / tierRateBasisRecordedHistoryChange
Money Market$2,000 to $24,999.99 2.21%APY2026-11-01 since 2026-11-01
Money Market$25,000 or more 2.45%APY2026-11-01 since 2026-11-01
Platinum Money Market Account$75,000 or more 2.80%APY2026-11-01 since 2026-11-01
VIP Money Market Account$50,000 or more 2.60%APY2026-11-01 since 2026-11-01

Checking

ProductTerm / tierRateBasisRecordedHistoryChange
Cash Management Checking 0.11%APY2026-11-01 since 2026-11-01
Identity Protection Checking 0.10%APY2026-11-01 since 2026-11-01
Platinum Checking Account 0.11%APY2026-11-01 since 2026-11-01
Platinum Checking AccountBalances of $25,000 or more 0.16%APY2026-11-01 since 2026-11-01
Totally Free Checking Plus 0.10%APY2026-11-01 since 2026-11-01
VIP Checking 0.10%APY2026-11-01 since 2026-11-01

Sources and evidence

PageLast capturedLast resultDigest
www.americanheritagecu.org/accounts/certificate-ira2026-11-01 14:33 UTC okeb9bb400f4ec
www.americanheritagecu.org/invest/certificates-ira2026-11-01 14:33 UTC okeb9bb400f4ec
www.americanheritagecu.org/rates2026-11-01 14:33 UTC oke8da6fd730a0