American Heritage Credit Union is a federally-insured financial cooperative offering checking, savings, loans, and credit cards with multiple Philadelphia-area branches including a Rhawn Street location.
Data compiled from public sources · Google rating shown when a stored review count is available
American Heritage Credit Union operates as a member-owned financial cooperative serving the Philadelphia region, with a documented presence in neighborhoods including Fox Chase. Like other credit unions, the institution is structured to return profits to members rather than external shareholders, operating under federal oversight and deposit insurance protections. The organization provides comprehensive retail banking services including deposit accounts, lending products, debit/credit cards, and digital banking access through their Online Teller platform.
, PA 19111) offers extended hours with a PAT (Personnel Assisted Teller) walk-up service available until 7 PM weekdays and 3 PM Saturdays, alongside standard branch lobby hours. They distinguish themselves through member-focused features like shared branching access, online appointment scheduling, instant card issuance, and coin counter services. The institution maintains routing number 236082944 and actively communicates security protocols to members regarding phishing threats and fraud prevention.
However, the website provided offers limited detailed information about specific product features, rate competitiveness, membership requirements, or fee structures. The 404 error on their member security details page suggests some website navigation issues. Without access to their full product suite, fee schedules, or member reviews beyond the generic branch page language, prospective members should contact the branch directly to compare rates and terms against other financial institutions.
Many banks offer installment loans with fixed monthly payments, giving borrowers a clear payoff timeline. For those with damaged credit, credit repair companies can dispute inaccurate items with all three bureaus. Secured credit cards and credit builder loans offer structured paths to rebuilding credit scores over time.
This is state-level context for Credit Unions consumers in Philadelphia, PA. It does not confirm that American Heritage Credit Union or this specific location is licensed.
State regulator
Pennsylvania Department of Banking and Securities
Consumer protection
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
American Heritage Credit Union processed 3,652 mortgage applications in 2023, with 55.8% recorded as approved across 33 states.
3,652
Applications
55.8%
Approval Rate
$116K
Avg Loan
33
States Served
Based on 3,652 applications. Income in thousands (reported by applicant).
Source: CFPB Home Mortgage Disclosure Act (HMDA) Data, 2023. Applications include originated, approved, and denied loans.
American Heritage Credit Union offers 12 services including Checking and savings accounts, Personal and business loans, Credit cards and debit cards, Online Teller digital banking platform, PAT (Personnel Assisted Teller) walk-up service, and 7 more.
American Heritage Credit Union has profile signals associated with Philadelphia-area residents and workers seeking convenient branch access with extended teller hours, Credit union members prioritizing member-ownership structure and potential profit-sharing benefits, Consumers needing immediate card issuance and 24-hour ATM access for urgent banking needs, Small business owners in the Fox Chase and northeast Philadelphia region.
Key strengths: Member-owned credit union structure typically offering lower fees and better rates than commercial banks; Extended PAT walk-up teller hours (7 PM weekdays, 3 PM Saturdays) for non-branch-hour access; 24-hour ATM availability at the Rhawn Street location. Areas to consider: Limited website information about product rates, fees, and membership eligibility requirements; Website navigation issues (404 error on security page) suggest incomplete online resources.
In the Credit Unions category, comparable providers include Georgia United Credit Union, Plus Credit Union, Skyla Headquarters. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
American Heritage Credit Union is appropriate for Philadelphia-area residents seeking traditional credit union banking with convenient branch access and extended service hours. The primary limitation is that their website provides insufficient detail about rates, fees, membership requirements, and specific product terms needed to conduct competitive comparison shopping.
Georgia United Credit Union is a member-owned financial cooperative offering banking services. Website currently unavailable for detailed service verification.
Google rating from 242 reviews
Profile signals: Georgia residents seeking member-owned banking with potential cost savings, Individuals prioritizing personal relationships and local financial institution support
Plus Credit Union is a Las Vegas-based financial cooperative offering checking, savings, loans, and Visa credit cards to members throughout Nevada.
Google rating from 128 reviews
Profile signals: Las Vegas and Nevada residents seeking local credit union membership with community focus, Consumers prioritizing member-owned financial institutions over profit-driven banks
Skyla Credit Union is a full-service financial institution offering checking, savings, loans, credit cards, and business banking with digital-first services and fraud protection.
Google rating from 249 reviews
Profile signals: Credit union members seeking high-yield checking and savings accounts with digital banking convenience, Consumers interested in comprehensive financial services including lending and credit products from one institution
Answer 3 quick questions to review category, service, and profile context.
1. What's your primary financial goal?
A plain-English breakdown of every credit score range — what each number actually means for your loans, cards, and daily life, plus exactly what to do about yours.
Read guide →A plain-English breakdown of what credit products, loans, and cards you can realistically get at every credit score level — from deep subprime to excellent.
Read guide →Learn exactly how to check your credit score for free using legitimate sources, understand the difference between soft and hard inquiries, and know your rights under federal law.
Read guide →Affiliate Disclosure: CreditDoc may earn a commission when you click links to American Heritage Credit Union and other services. These commissions help us maintain our free research. Compensation does not determine whether a provider can be covered; visible star ratings use stored Google review ratings when available. Learn more.