Estate planning at American Heritage
How to protect 16 American Heritage accounts — manage beneficiaries online, fund a trust in-branch, and file claims through American Heritage's Account Services
Phone1-215-969-0777
Toll-Free1-800-342-0008
Fax1-215-676-6912
Mailing Address
American Heritage Credit Union, 2060 Red Lion Road, Philadelphia, PA 19115
After Hours
WebsiteLearn more →
Account Services
Fax1-215-969-1246
Mailing Address
American Heritage Credit Union, Attn: Account Services, 2060 Red Lion Road, Philadelphia, PA 19115
Account Services
Fax1-215-969-1246
Mailing Address
American Heritage Credit Union, Attn: Account Services, 2060 Red Lion Road, Philadelphia, PA 19115
WebsiteNotify online →
Verified Feb 2026
American Heritage is a credit union offering 16 accounts that interact with estate planning in different ways. As a membership-based credit union, American Heritage primarily serves the greater Philadelphia region including Bucks, Montgomery, Delaware, Chester, and Philadelphia counties in Pennsylvania and Burlington and Camden counties in New Jersey. 35+ branch locations. Membership open to those who live, work, worship, or attend school in the service area, or through membership in the Kids-N-Hope Foundation. Understanding how each account transfers at death—and which ones a trust can hold—helps families avoid probate delays and unintended outcomes.
Beneficiary designations at American Heritage can be managed online, in branch, by mail, and by phone, typically taking 15-30 minutes. Trust funding is also available, allowing families to retitle accounts into the name of a revocable living trust.
American Heritage provides specific procedures for both proactive estate planning and filing claims after a death.
Preparing your estate
Beneficiaries and trust funding
How to manage beneficiaries online, fund a trust in-branch, and review 16 account types at American Heritage.
View details →When someone dies
Death claim process
Contact American Heritage's Account Services to file a claim. 13-step process, 9 required documents, and contact information for survivors.
View details →For questions about any of these procedures, contact American Heritage's Account Services at 1-215-969-0777 ext. 7000. Email inquiries can be sent to membership@amhfcu.org.
American Heritage operates in select states, so estate planning procedures may vary by location. Confirm availability in your state before initiating trust funding or account changes.
Frequently asked questions
You can add a beneficiary online via the Account Maintenance Request Forms page at americanheritagecu.org/account-maintenance-request-forms using DocuSign, or contact Account Services at 215-969-0777 ext. 7000, or visit any branch. Complete the form with each beneficiary's full name, date of birth, Social Security number, and relationship. Specify percentage allocation if naming multiple beneficiaries.
Yes. A trust can be named as a POD beneficiary on deposit accounts or as a beneficiary on IRA accounts. You can also retitle eligible deposit accounts (checking, savings, money market, certificates) directly into a revocable living trust. Contact Account Services at 215-969-0777 ext. 7000 or email membership@amhfcu.org for specific requirements.
Yes. POD accounts are insured separately by the NCUA up to $250,000 per beneficiary, which is separate from the standard $250,000 insurance on individual accounts.
A Bump-Up Certificate allows you to increase your dividend rate one time during the term of the certificate. Available in 47-month and 59-month terms with a $500 minimum to open. The initial rate is typically lower than a standard certificate, but the one-time rate increase option provides flexibility if rates rise during the term.
Yes. American Heritage offers Account Maintenance Request Forms online at americanheritagecu.org/account-maintenance-request-forms. You can add or remove a beneficiary through a DocuSign electronic signature form. You can also visit any branch or call Account Services at 215-969-0777 ext. 7000.
Phone1-215-969-0777
Toll-Free1-800-342-0008
Fax1-215-676-6912
Mailing Address
American Heritage Credit Union, 2060 Red Lion Road, Philadelphia, PA 19115
After Hours
WebsiteLearn more →
Account Services
Fax1-215-969-1246
Mailing Address
American Heritage Credit Union, Attn: Account Services, 2060 Red Lion Road, Philadelphia, PA 19115
Account Services
Fax1-215-969-1246
Mailing Address
American Heritage Credit Union, Attn: Account Services, 2060 Red Lion Road, Philadelphia, PA 19115
WebsiteNotify online →
Verified Feb 2026
Estate planning resources for American Heritage customers
Tools and documents to help protect your American Heritage accounts.
Do I Need a Revocable Trust?
Answer questions about your estate size, real estate, family situation, and privacy preferences to see how a revocable trust compares to a will alone.
Take the Quiz
Are My Beneficiary Designations Protected?
See how your state handles beneficiary designations after divorce, inherited IRA creditor protection, and spousal consent requirements for retirement accounts.
Check Now
What Does Estate Planning Actually Cost?
See the true cost of estate planning. Compare SimplyTrust, Trust & Will, LegalZoom, and attorneys including life events like marriage, divorce, and having children.
Compare Costs