Last week, central Florida savers were the lucky ones who could earn a top 4-year yield with just a 3-year CD. This week, savers everywhere can do it.
American Heritage Federal Credit Union’s new 36-month certificate pays 2.02% APY with a $1,000 minimum deposit.
That easily beats the top nationally available 3-year return of 1.85% APY from the banks on our CD Rates Leaderboard, while even edging out the highest 4-year bank yield of 2.00% APY.
It also earns it a spot in our constantly updated roundup of all the credit union and community bank deals we can find that pay better than the national banks.
American Heritage primarily serves those who live or work in Philadelphia or are employed by one of almost 750 affiliated companies.
But anyone in the country can join by making a $15 donation to the credit union’s Kids-N-Hope Foundation.
New members can enroll in American Heritage and buy its certificates of deposit online, by phone or in person at one of about two dozen branches in Bucks, Montgomery and Philadelphia counties.
It requires a $15 deposit in a savings account. For those joining through a Kids-N-Hope contribution, $30 will be required.