Business Details
50+ Years
experience
Your Trusted Partner for Financial Solutions 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 serves more than 315,000 members across Philadelphia, Bucks, Montgomery, Delaware, and Camden Counties. As a Federally Chartered Credit Union, we combine local community focus with national-level financial strength. Our mission centers on enhancing lives through trusted relationships and personalized financial services. We maintain a strong commitment to community involvement, having been named Pennsylvania's 2025 Best-in-State Credit Union by Forbes for the third consecutive year. Our history of empowering local communities through mergers and expanded service offerings demonstrates our adaptability and dedication.We provide competitive rates and fewer fees compared to traditional banks, reflecting our not-for-profit cooperative structure. Our team of financial professionals works diligently to ensure members receive exceptional service and tailored solutions. Through Shared Branching, CO-OP ATMs, and exclusive member discounts, we deliver comprehensive financial resources. Our Workplace Partner Program extends membership benefits to employees of Philadelphia-area organizations. We remain committed to financial education through our Learning Center and planning resources for all life stages. Our security measures protect members from emerging threats like the 'Phantom Hacker' scam while maintaining NCUA federal insurance. This combination of personal service, community focus, and financial expertise makes us a trusted partner for all your financial needs.
Services
Checking Accounts
Savings Accounts
Mortgages
Auto Loans
Personal Loans
Credit Cards
Home Equity Loans
Student Loans
Details
- Year established: 1948
Highlights and features
- We are a member-owned credit union with over $5 billion in assets and 35+ local branches
- We have been named Pennsylvania's 2025 Best-in-State Credit Union by Forbes for three consecutive years
- Our not-for-profit structure delivers competitive rates and fewer fees than traditional banks
- We offer exclusive member benefits including Shared Branching and CO-OP ATMs nationwide
- Our Workplace Partner Program provides financial benefits to employees of 800+ local organizations
Associations and certifications
- Federally Chartered Credit Union
- NCUA
Services
Checking Accounts
Our checking accounts provide secure, flexible financial management with no monthly maintenance fees. Members enjoy free online banking, mobile check deposit, and nationwide ATM access through CO-OP Network. Business and personal accounts feature customizable options including overdraft protection and business expense tracking tools.
Mortgages
We offer competitive mortgage rates with personalized guidance for first-time buyers and experienced homeowners. Services include conventional loans, FHA/VA options, and jumbo mortgages with down payment assistance programs. Our local loan officers help members navigate the process from pre-approval to closing with transparent fee structures.
Auto Loans
New and used car loans feature low APRs with flexible terms up to 72 months. Members receive rate discounts for automatic payments and can refinance existing loans. Our financing specialists work with all credit profiles to find affordable payment plans with no prepayment penalties.
Personal Loans
Unsecured personal loans up to $50,000 help members consolidate debt, fund home improvements, or cover unexpected expenses. Competitive fixed rates and terms from 12-60 months include online application options. Quick approval decisions prioritize member financial wellness over strict credit score requirements.
Credit Cards
Our credit cards offer cashback rewards, low introductory APRs, and no annual fees. Features include mobile wallet integration, fraud protection, and credit-building options for members establishing financial history. The Cash Reward Mastercard provides 3% cashback on all purchases during promotional periods.
Questions
How do I open a new account?
Visit our website to apply online or contact any of our 35+ Philadelphia-area branches. Bring valid ID and $25 minimum deposit. Our team will help choose the right account type for your needs.
What loan options are available for first-time homebuyers?
We offer FHA loans with low down payments, conventional mortgages with competitive rates, and down payment assistance programs. Our local loan officers provide personalized guidance throughout the home buying process.
How does credit union membership work?
Membership requires living, working, or worshiping in our service counties. Once joined, you own a share of the cooperative and receive voting rights, dividends, and exclusive member benefits.
What security measures protect my account?
We use multi-factor authentication, real-time fraud monitoring, and encrypted communications. Members receive instant transaction alerts and can freeze/unfreeze cards through our mobile app. We never request sensitive information via phone or email.
Can I access my accounts outside business hours?
Our online and mobile banking platforms provide 24/7 account access. Use our app for mobile check deposit, bill pay, and balance checks. Over 30,000 CO-OP ATMs nationwide offer surcharge-free withdrawals at any time.
Videos
Reviews (6)
William Hesketh
Feb 03, 2022
Report
I'm afraid some upper-management dinosaur from the 1990s banking industry is standing between excellent customer service and what AHCU actually delivers. Simple customer-service requests get "No" and result in wasted time for the customer. If you can even get through.
Patricia McGinnis
Feb 01, 2022
Report
I stopped in American heritage to open a new account and I could not have had a more pleasant experience. I waited less then five minutes to be helped. The process was easy, fast and I walked out with my new debit card in hand. I was also able to download the app and login before leaving to make sure I had no issues.
Im excited to be a member and take advantage of low rates for a loan and lots of other great perks. Thanks to Darleen for making me feel so welcome!!!
Im excited to be a member and take advantage of low rates for a loan and lots of other great perks. Thanks to Darleen for making me feel so welcome!!!
Gabriel VanDruff
Jan 22, 2022
Report
My mom started an account for me here when I was 1 year old. Great service for 26 years then all of the sudden terrible service the past year. I kept getting emails saying I had e-alerts but couldn't log into account, contacted customer service multiple times about it with no solution, then after several months of issues and not being able to log in a "defaulted loan" for 77 dollars pops up on my credit score from AMHFCU. Only loan I had from AMHFCU was fully paid off over 2 years ago. Maybe before throwing a "defaulted loan" on someone's credit score your customer service people can pick up the
Sindney Whitney
Dec 18, 2021
Report
YOU HAVE TO WEAR A MASK IN THIS PLACE....OK. IN THIS PARTICULAR CREDIT UNION, YOU WILL ONLY USE A TELLER THROUGH A TV SCREEN. HERE'S THE KICKER, NOW THEY WANT YOU TO REMOVE YOUR HAT IN ORDER TO ACQUIRE ABOUT YOUR MONEY THROUGH A TV SCREEN (DEPOSIT). OH NO, THE MASK STAYS ON, BUT YOUR HAT CANNOT. DO ANYONE KNOW OF A GOOD CREDIT UNION? DO ANYONE ELSE FEEL LIKE SCREAMING BC I'M TIRED
Helene Landis
Dec 14, 2021
Report
Michelle was an amazing representative. She looked over my account and realized the credit card I had was not the best card for me she made the whole process amazing and fast. You don't get service like this anywhere anymore
Chris R.
Dec 14, 2021
Report
I've had some good times...but mostly bad times with amhfcu. Been a member for 15 years. Terrible lending department and has been for 10 years. Oh well. More banks in the sea of money.
