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American Credit Card

5.0/5

American Heritage Credit Union is a Pennsylvania-based credit union offering checking, savings, loans, and credit cards through multiple branch locations including Feasterville.

Editorially reviewed by Harvey Brooks

Free to Use BBB: NR Free Consultation Visit Website

American Credit Card Review

American Heritage Credit Union operates as a full-service financial institution serving the Philadelphia area and surrounding regions in Pennsylvania. The organization provides traditional banking services through a network of physical branches, including the Feasterville location at 40 E Street Road, which features both lobby and drive-through access. As a credit union, American Heritage is member-owned and regulated under credit union banking standards, with a routing number (236082944) enabling direct deposit and electronic fund transfers. The credit union has been established long enough to maintain multiple branch locations and a developed online banking infrastructure.

The organization offers a comprehensive suite of financial products including personal and business checking accounts, savings accounts, personal and business loans, credit cards, and certificate accounts. Members can access online banking through the American Heritage Online Teller platform, utilize 24-hour ATM access at branches, and take advantage of PAT (live teller) drive-through service. The Feasterville branch specifically provides instant card issuance, safe deposit boxes, coin counting services, card re-pinning, and shared branching network access. QuickPay and loan payment services are available online or through branch locations.

American Heritage differentiates itself through extended hours (drive-thru service until 7 PM weekdays and 3 PM Saturday), modern appointment scheduling capabilities, and member-centric security practices with proactive phishing alerts. The credit union emphasizes personalized financial services and community presence rather than digital-only operations, maintaining substantial branch infrastructure with multiple locations and service options. They actively communicate security best practices and warn members about common scams affecting financial institutions.

The primary limitation evident from available information is that the public website provides limited detail on specific product terms, rates, loan amounts, or credit card features. The 404 error on the member security page suggests some website navigation issues. As a credit union, membership eligibility may apply, though this is not detailed in available materials. The organization appears well-established and stable, making it suitable for consumers seeking traditional banking with local branch access.

Services & Features

Personal checking accounts
Business checking accounts
Savings accounts
Personal loans
Business loans
Credit cards
Online Teller banking platform
24-hour ATM access
PAT drive-thru live teller service
Instant card issuance
Safe deposit boxes
Shared branching network access

Feature Checklist

Credit Education
Identity Theft Protection
Score Tracking
Mobile App
Online Portal
Personal Advisor

Pros & Cons

Pros

  • Extended drive-thru hours until 7 PM weekdays and 3 PM Saturday for working members
  • 24-hour ATM access at branch locations
  • Instant card issuance available at Feasterville branch
  • Multiple service channels including online banking, drive-thru, and PAT live teller
  • Online appointment scheduling and queue management available
  • Shared branching access for multi-location convenience
  • Proactive security communication and phishing awareness resources

Cons

  • Limited public information available on specific APRs, loan terms, or credit card rewards
  • Website has navigation issues (404 error on security page)
  • Membership eligibility requirements not clearly detailed on available pages
  • Branch hours limited to 8:30 AM-5 PM Monday-Thursday (closed evening/nights except Friday)
  • Specific product features and comparison details not accessible from provided website content

Rating Breakdown

Value
0.0
Effectiveness
0.0
Customer Service
5.0
Transparency
0.0
Ease of Use
0.0

Frequently Asked Questions

Is American Credit Card legitimate?

Yes. American Credit Card is a registered company headquartered in Feasterville-Trevose, PA 19053. They hold a NR rating with the Better Business Bureau.

Quick Facts

Headquarters
Feasterville-Trevose, PA 19053
BBB Rating
NR
BBB Accredited
No
Starting Price
Free to Use
Setup Fee
None
Free Consultation
Yes
Money-Back Guarantee
No
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CreditDoc Diagnosis

Doctor's Verdict on American Credit Card

American Heritage Credit Union is best for Pennsylvania-area consumers seeking full-service traditional banking with convenient branch access, extended hours, and member-owned credit union structure. The main caveat is that specific product terms, rates, and eligibility requirements are not detailed on the public-facing website, requiring direct contact with the institution to compare offerings.

Best For

  • Pennsylvania residents seeking traditional credit union banking with local branch access
  • Consumers prioritizing extended drive-thru hours and flexible service times
  • Members needing instant card issuance and safe deposit box services
Updated 2026-04-02

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