American Heritage Federal Credit Union is a full-service, member-owned financial institution headquartered in Pennsylvania, serving members across the region and beyond. It offers a broad suite of mortgage and home financing solutions with a focus on affordability, personalized service, and community engagement and consistently offers competitive mortgage rates.
See today’s mortgage interest rates on TrueRate.
How American Heritage Federal Credit Union compares to other lenders
| Headquarters | Philadelphia, Pennsylvania |
| Website | americanheritagecu.org |
| Rate | 0.56% less than the median rate |
| Lender fees | $700 (median) |
| Savings after 1 year, compared to the median interest rate | $2,156 |
| Savings after 10 years, compared to the median interest rate | $18,209 |
For a $400,000 mortgage, American Heritage Federal Credit Union’s rate and lender fees result in an estimated savings of about $2,156 in the first year and around $18,209 over 10 years compared to the median lender. Homebuyers will likely realize savings by considering AHFCU, however gathering several loan estimates to ensure the best pricing is always advisable, as well as considering previous customer reviews.
What customers are saying
American Heritage Federal Credit Union receives mixed reviews. Some borrowers report significant frustrations with communication and service during the mortgage process. Several complaints on Yelp and the Better Business Bureau cite delayed or absent notifications about loan approval status, difficulty reaching live representatives after loan closing, and being transferred between multiple departments without resolution.
Customers also describe issues with insurance requirements, including unexpected charges for lender-placed insurance and challenges providing proof of coverage, resulting in additional fees and negative credit reporting. Technical problems with the website and mobile banking further complicate account management for mortgage holders. Overall, while some customers find staff friendly, many mortgage borrowers experience poor communication, unexpected charges, and operational inefficiencies.
How to compare mortgage lenders
Interest rates. Comparing rates between lenders isn’t always straightforward. Many promote low headline rates that require paying “points” upfront to buy down the interest rate. To make a true comparison, focus on the par rate (0 points) and the APR, which reflects both the interest rate and any lender fees. Even small differences can translate into significant savings over the life of the loan.
Lender fees or loan origination fees. Many lenders charge fees that add thousands to the cost of a loan. It’s important to look at both the rate and the fees together to understand the true cost of borrowing. For a $400,000 mortgage, avoiding even a $1,000 fee could contribute to meaningful savings in the first year and over the long term.
On-time close rate. Most lenders do not publicly share their on-time close rates. However, it’s a critical factor—especially if your home contract has tight deadlines. Asking about their process for meeting close dates, including underwriting and document review timelines, can give you more confidence when choosing a lender.
Pre-approval and offer letters. Some lenders offer fast pre-qualifications that may not be fully underwritten, which can weaken your offer in competitive markets. It’s important to ask whether a lender’s pre-approvals are fully underwritten and how credible their letters are when presented with an offer.
Customer satisfaction. If detailed customer review data isn’t readily available, check third-party review sites or ask the lender for references. It’s important to understand how they handle communication, responsiveness, and issue resolution throughout the loan process.
Employee reviews. Company culture often influences how clients are treated. A lender with strong employee satisfaction typically delivers better service, more organized processing, and a smoother overall experience for borrowers.
To better understand how we compare mortgage rates fairly, see our TrueRate Methodology.
If you’re ready to start your journey to homeownership, get pre-approved with Tomo Mortgage today.