It’s EZ to check your balance. Any Time, Anywhere.You don’t have to come into a branch to check on your accounts - you have 3 easy ways to check your balance and a whole lot more. We call it EZ Balance 1-2-3.

1 Mobile Teller App: Instant account access on your smartphone 24/7. And with Fast Balance, you can see your balance and last 5 transactions without having to login. Download the FREE*** App today on the App Store or Google Play!

2 OnLine Teller: Secure access to your account information, 24/7, from your desktop, laptop, tablet or phone. Get real-time balances, log in to My Money Manager, and more. Visit AMHFCU.org today to register.

3 Automated Phone Teller: With any touch-tone phone you can instantly access your account balance, transfer funds, make payments, and more. Just call (215) 969-8200, (800) 635-7466, or for Spanish 215-992-0239 (Cajero Telefónico).

See how easy it can be Visit AMHFCU.org/EZBalance

For your security, beginning in April 2017, balance information will no longer be available by calling our Member Advisors in the Contact Center. Let us help you go EZ today!

We’ve got your best interest at heart.

No matter where you are in life, we have the loan you

need... and the people to help you get it.

1.99APR**%

Rates as low as

Get started today –8 8 8 . 5 5 3 . 1 2 3 4

b e s t i n t e r e s t a t h e a r t . c o m

MortgagesRates are still super low. Ask us how to get Cash Rewards on your Home Purchase and Mortgage.

Platinum MasterCard®

Incredible Introductory Rate as low as 1.99% APR* for the first 6 Months, Then as low as 9.99% APR* thereafter.

Auto Loans

Home Equity Loans

February 2017

A Newsletter for Members of American Heritage Credit Union

We offer you the right financial solutions because you’re family.

24 Hour/7 Day Account Access • NYCE ATM Network • Contact Center: 215.969.0777 • Phone Teller: 215.969.8200 • OnLine Teller: AMHFCU.org

Congratulations to the Winners of Our Adopt-A-Family RaffleAMHFCU’s Adopt-A-Family Committee would like to thank everyone who participated in the Member Raffle this past December! Congratulations to our winnners:

• 1st Place Winner - Emmanuel Buxton won a 48” Hisense Roku Smart TV and a GoPro Hero Camera

• 2nd Place Winner - Adele Gizdavcic won an Amazon Echo

• 3rd Place Winner - Elizabeth Kozar won a 48” Hisense Roku Smart TV

The committee raises money throughout the year to sponsor families during the holiday season. In 2016, we raised $13,700 and sponsored 15 families in our membership area as well as 30 children/young adults from Ridge Crest Pediatric Facility in Sellersville, PA.

When are my tax forms available on OnLine Teller, and where

can I find them?

Frequently Asked Questions

All tax forms will be sent out by January 31, 2017. After this date, the tax statements will be available on our OnLine Teller service under the “IRS Tax Forms” tab.

For further assistance, please call our Contact Center by dialing 215-969-0777, or visit your nearest branch location.

Check Out Our Car Buing Service Powered byFinding the perfect vehicle is easy with American Heritage thanks to our car buying experience powered by TRUECar®! Follow these simple steps:

Step 1: See What Others Paid For The Car You Want

Start by researching your desired make and model and then select your preferred color and options. You can see what others are paying for the new or used car you want.

Step 2: Get A Member Guaranteed Savings Certificate That Could Save You Thousands Off MSRP

Your price reports show in-depth pricing information for the new car you want based on real-world data. You also get a Members Savings Certificate with your Estimated Member Savings and Pricing as well as your Guaranteed Minimum Savings. Used car certificates also show a guaranteed price.

Step 3: Save Time And Money.

Print out your Guaranteed Savings Certificate to lock in your savings for a hassle-free car buying experience.

Don’t forget to get a free Auto Loan Pre-Approval from us to make it even easier!

Try out our car buying experience today by going to AMHFCU.org/TRUECar!

AmazingNew Ratesfor 2017!

1.11%APY****

12 or 18 Month CD or IRA

1.11

1.66%APY*****

36 Month CD or IRA

1.66 2.22%APY****

60 Month CD or IRA

2.22With All of Our Great CD and IRA Certificate Options,

We’re Helping Put You in Charge of Your Financial Future!

AMHFCU.ORG • 215-969-0777

Apply Today for an AMHFCU College Scholarship!Are you a senior in high school, or do you know someone who is? American Heritage is offering 10 scholarships, in the amount of $1,000 each, to deserving graduating high school seniors. Scholarship applications are available online at AMHFCU.org/Scholarship or at your local branch. The deadline for applications is March, 24 2017.

See back page for all disclosures.

All American Heritage members are automatically qualified for discounted car insurance through Liberty Mutual!

With Liberty Mutual, you’ll receive exceptional insurance coverage and outstanding customer service at competitive prices.

Did You Know?

To learn more call David Hewitt or Michelle Ferrara

at (215) 489-9301 x220

in Feasterville!

NOW OPEN!

40 E. Street Road • Feasterville , PA 19053

H

eights Ln

276

E. Street Rd.

W. Street Rd.

132

132

Har

ding

Ave

Cent

ral A

ve

Fairv

iew

Ave

6th St

5th St

532

BRANCH FEATURES: 24 Hour Surcharge-FREE ATM

Personal Automated Teller • Coin Counting Drive Thru • Shared Branching

Instant Issue Credit/Debit Cards

AMHFCU.org/Locations

We’re giving away a $5,000 vacation getaway†

and a host of other great prizes!

Learn more at: AMHFCU.org/sweepstakes

Holiday Schedule:Presidents’ Day

All offices closed on Monday, February 20, 2017

BULLETIN BOARD

Stay up to date online at AMHFCU.org/Calendar

TurboTax - The Smarter Way to Your Biggest Refund As a valued member of American Heritage Credit Union, you’ll find out just how untaxing your taxes can be when you file your simple federal return for FREE with TurboTax Federal Free Edition. Visit AMHFCU.org/MemberDiscounts to get started today!

Learn more at AMHFCU.org/MasterCard

Let American Heritage Credit Union pay down your Credit Card debt with our low rate Platinum MasterCard®! With NO BALANCE

TRANSFER FEES, it’s the perfect tool to help get your finances in check this year!

New Year , New Card , New Payments .

See back page for all disclosures.

Nothing else feels quite like home.

Get a mortgage withyour best interest at heart.

Home is where the heart is… whether it’s your first home, a new home,

or simply a more affordable mortgage – we can help bring you home.

Whether you are in the market to buy or sell your home, come to the people you trust. Better Homes of American Heritage Federal Realty is a full service real estate agency owned and operated by American Heritage!

BETTER HOMESAmerican Heritage

Federal Realty

Trust Better Homes to find your new home! Visit AHFR.com or call 855-525-7900

A M H F C U. o r g / M o r t g a g e s

30%Earn Up To A

CASH REWARD ††

Learn how our Mortgages Services

and Better Homes work together to

save you time and money with our

Visit AMHFCU.org/HomeConnection

Home Connection Program

Transition Your Home from Winter to Spring with an American Heritage Home Equity LoanIt’s the ideal time to check out how your home is doing through the winter weather, and determine if any repairs need to be done. With these 4 tips below you can accomplish both.

Once all the snow has disappeared, do a walk around the home to check the foundation for any cracks or areas of pooling water. If you see any damaged areas, get them cleaned out before the rainy season starts. It’s also a good idea to check on your interior floors and walls in the house to make sure water or leakage has not occurred.

Winter storms have been known to damage even the newest of roofs, so it’s always wise to do a full inspection before wetter weather arrives. Look for missing shingles, and check roof vents for damage to the spouts or base.

Your yard has been hidden under a cloudy winter sky, but when spring arrives it will be ready to come back to life. Get ready to pull out the lawn furniture that’s been stored away, get the barbecue grill ready, and get the fertilizer out. It’s a great time for getting your plants, shrubs and trees ready for their spring growth spurt and fertilizer will give them the boost they’ll need.

A combination of the heavy weight of snow, salt, and freezing temperatures can leave long term problems to your outside entertainment areas. Closely inspect the sturdiness and strength of your deck to see if you may need to replace or paint a board or two or determine whether it’s time for an entire new space.

As always, American Heritage will be here. We have a variety of Home Equity Loans and Lines of Credit with low rates to make your project affordable!

Visit AMHFCU.org/Home Equity to learn more about our Home Equity Loans .

1. Foundation Checkup

2. Roof Tend, Mend and Defend

3. Yard Rehabilitation

4. Porch, Deck or Patio

1.99APR**%

Rates as low asHome Equity Loans

We have a variety of Home Equity Loan products with great LOW RATES to make your project affordable!

Join us for our Free Educational Seminars!

Is Women’s Wealth Growing Faster Than Men’s Wealth?One study says yes. Two major factors may be influencing the trend

Presented by The American Heritage Investment and Retirement Center

Picture the women of the world growing wealthier. It’s happening right now. Research from the Boston Consulting Group affirms this development. BCG, a leading business strategy advisor, says that as the world grew 5.2% wealthier between 2015 and 2016, women’s wealth grew 6.6%. In total, women own about $39.6 trillion in assets worldwide, and possess a 5% greater share of global wealth in 2016 than they did in 2011.1

What are some of the reasons behind this shift? One reason is that more women are becoming successful business owners. Census Bureau data from 2012 (the most recently available year, at this writing) shows women owning 36% of U.S. businesses, a 30% leap from the levels of 2007. As the ranks of middle market companies rose 4% from 2008-2014, the number of women-owned or women-led middle market firms soared by 32%.2 This has all taken place even though female entrepreneurs typically start a business with 50% less money than their male peers, according to research from the National Women’s Business Council. Perhaps most impressive has been the growth of businesses owned by Latina and African-American women. American Express OPEN found that from 1997-2015, the number of U.S. firms owned by Latinas increased by 224%. Simultaneously, the number of businesses owned by black women rose by 322%. African-American women started up companies at six times the national average during those 18 years.2,3

Beyond the business world, there is a second major reason for the increased net worth of women. They are acquiring or inheriting significant wealth from parents, spouses, or relatives, some of whom are millionaire baby boomers or members of thriving business-class households in emerging economies.1

In reference to the latter phenomenon, the net worth of women who live in Asia-Pacific nations other than Japan has risen by an average of 13% a year since 2011. Globally, assets under management owned by female investors grew 8% per year in that time.1

The BCG white paper projects that women may grow even wealthier by 2020. It forecasts that by then, women will control $72.1 trillion of assets around the globe, thanks to their collective wealth increasing by about 7% a year.1

This material was prepared by MarketingPro, Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. This information has been derived from sources believed to be accurate. Please note - investing involves risk, and past performance is no guarantee of future results. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional. This information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product or service, and should not be relied upon as such. All indices are unmanaged and are not illustrative of any particular investment.

Citations.1 - time.com/money/4360112/womens-wealth-share-increase/ [6/7/16]2 - forbes.com/sites/geristengel/2016/01/06/why-the-force-will-be-with-women-entrepreneurs-in-2016/ [1/6/16]3 - blackenterprise.com/small-business/black-women-business-owners-outpace-all-other-startups-six-times-national-average/ [3/4/16]

Are You on Track for Retirement?We Can Help!

Call today for details and schedule an appointment

215-969-2967

Disclosures: * Annual Percentage Rate. The 1.99% introductory rate is effective for the first six billing cycles for qualifying members on purchases, balance transfers and cash advances. After the introductory period expires, your standard APR will be 9.99% for purchases, balance transfers

and cash advances. Must have an AMHFCU Savings Account with a minimum balance of $15 to be eligible. Approval for a Platinum Preferred MasterCard depends on creditworthiness and other qualifications. Rates and promotions effective as of 1/1/17 and are subject to change without notice. For full details, visit AMHFCU.org/MasterCard.\

** Annual Percentage Rate. Rate may vary based on loan type, credit history, term, and collateral. Offer valid as of 1/20/2017. All offers are subject to change without prior notice. *** Third party fees for message and data plans may apply. The eDeposit application is available to qualified members only. **** Annual Percentage Yield (APY). Rates listed paid on $1000 minimum balance. $500 minimum balance Share and IRA Certificates available at 0.10% lower Annual Percentage Yield. A penalty may be imposed for early withdrawals. All rates are subject to change without

notice. Rates accurate as of 1/20/17. ***** Annual Percentage Yield. Dividend paid quarterly. Restrictions apply. Rates listed paid on $1,000 minimum balance. Offer valid as of 1/20/17. All rates are subject to change without notice. † No purchase necessary. Sweepstakes ends October 31, 2017. Open to Legal residents of the United States (excluding NY and FL) who are at least 18. See official rules at any branch location or at AMHFCU.org/sweepstakes. †† Visit AMHFCU.org/HomeConnection for details.

American Heritage is offering a series of FREE educational seminars for all of your financial questions. Explore the upcoming seminars below:

Yo u r M o n e y, Yo u r F u t u r eF I N A N C I A L S E M I N A R S

• Successfully Selling Your Home Thurs, Mar 23 - 6:00pm - East Norriton Branch

• Purchasing Second Homes or Vacation Properties Sat, Mar 25 - 10:00am - Carriage House Branch

• Social Security and You Thurs, Mar 30 - 6:00pm - Market Street Branch

• Successfully Selling Your Home Thurs, Mar 30 - 6:00pm - Feasterville Branch

To view dates and register visit AMHFCU.org/Calendar

24 Hour/7 Day Account Access • NYCE ATM Network • Contact Center: 215.969.0777 • Phone Teller: 215.969.8200 • OnLine Teller: AMHFCU.org

For a full directory of more than 5,300 Shared Branches and 30,000+ Surcharge-Free

ATM’s, visit AMHFCU.org®

Federally insured by NCUA

Available on the

App StoreANDROID APP ONProvides up to an

additional $250,000of IRA Share Insurance