Business Details
50+ Years
experience
Your Trusted Financial Partner in Philadelphia
We offer you the right financial solutions because you're family. Founded in 1948 as Budd Workers Federal Credit Union, we have grown to become one of the top 70 largest credit unions in the United States with over $5 billion in assets. Our member-owned cooperative model allows us to provide competitive rates, fewer fees, and personalized service to more than 315,000 members across Philadelphia, Bucks, Montgomery, Delaware, and Camden Counties. We operate under a federally chartered credit union structure while maintaining deep local roots through our 35+ branch locations. Our mission focuses on enhancing lives through trusted relationships, demonstrated by our community partnerships and recognition as Pennsylvania's 2025 Best-in-State Credit Union by Forbes for the third consecutive year.We serve diverse industries through workplace partnerships and expanded membership eligibility that includes anyone living, working, or worshiping in our service counties. Our history of mergers and strategic growth since 1948 reflects our commitment to adapting to members' evolving financial needs while maintaining cooperative values. We emphasize financial education through our Learning Center resources and provide comprehensive security measures to protect members from emerging threats like phishing scams and fraud schemes.
Services
Checking Accounts
Savings Accounts
Mortgage Loans
Auto Loans
Business Services
Credit Cards
Investment Services
Insurance Products
Online Banking
Shared Branching
Details
- Year established: 1948
Highlights and features
- We offer competitive rates and fewer fees as a not-for-profit credit union
- Our member-owned cooperative model prioritizes customer needs over profits
- We serve 315,000+ members with 35+ convenient branch locations
- Our financial education resources help members at all life stages
- We maintain robust security measures against emerging fraud threats
Associations and certifications
- NCUA
- Forbes Best-In-State Credit Union
Services
Checking Accounts
Our checking accounts provide secure fund management with competitive features. Members enjoy low fees, mobile banking access, and convenient ATM networks. These accounts serve as primary financial tools for daily transactions while offering dividend-earning potential through our credit union structure.
Mortgage Loans
We offer competitive mortgage solutions for home purchase or refinance needs. Our local lending experts provide personalized guidance through the process. Current rates remain below national averages with flexible terms available for both new and existing homeowners.
Business Services
Our business solutions include checking accounts, loans, and merchant services tailored to company needs. We support payroll processing and provide specialized financing options. These services help local businesses manage cash flow and grow operations effectively through our credit union network.
Savings Accounts
We offer multiple savings options including high-yield accounts and certificates. Competitive APYs help members grow funds securely while maintaining accessibility. Our financial tools assist with goal setting and automatic savings strategies for long-term success.
Auto Loans
Our auto loan programs cover new and used vehicle purchases with competitive rates. We offer refinancing options to reduce payments and flexible terms to match different financial situations. Members benefit from personalized service throughout the loan process.
Questions
How do I become a member of American Heritage Credit Union?
Membership is available to anyone living, working, or worshiping in Philadelphia, Bucks, Montgomery, Delaware, or Camden Counties. You can join online or at any branch location.
What financial products do you offer?
We provide checking and savings accounts, mortgages, auto loans, business loans, credit cards, investment services, and insurance products tailored to personal and business needs.
Are my deposits insured?
Yes, all deposits are federally insured up to $250,000 by the National Credit Union Administration (NCUA), a U.S. government agency.
Do you offer online and mobile banking services?
Yes, we provide 24/7 online banking, mobile app access, and digital tools including bill pay, account alerts, and check deposit capabilities.
How do you protect members from fraud?
We employ advanced security measures including encryption, fraud monitoring systems, and member education resources about phishing scams and identity theft prevention.
What community initiatives do you support?
We partner with local organizations like CHOP and operate workplace programs that expand financial access while supporting community development projects across our service area.
