American Heritage Federal Credit Union offers a long list of attractive top cd rates. The best cd deal is the 15-month CD which has a current interest rate of 2.25% APY. There are also shorter term certificates offering the best cd rates. Members can get an 8-month term CD and earn 1.90% APY or 2% if you are a Legacy Club member.

You can enjoy these top cd rates with a minimum initial funding of $1,000. The certificates of deposit are also available as an IRA.

The current interest rates are listed on the credit union’s website as of October 20 but they can be changed any time without notice. It will be best to visit the site first for the latest figures prior to signing up for anything.

The earnings of the certificates are compounded on a daily basis and credited to your account every month. If ever you close an account before the end of a month, the dividends will no be credited to the account.

The website does not detail the early withdrawal penalties that the credit union imposes. You may call them through 800-342-0008 to ask about this and for any other specifics that you may want to know about their products.

The credit union also offers IRA and Term share certificates that you can open for $500. The interest rates though are lower by 0.10%.

American Heritage accepts applicants who worship, work, study, or live in Philadelphia, Pennsylvania and other parts of the state’s metro area. Someone can also qualify through select employee groups and via immediate family. Membership requires a deposit of at least $15 into a share savings.

The credit union has several branches across Philadelphia and the suburbs of Pennsylvania.

American Heritage FCU is insured with the NCUA through charter number 5621.