Why American Heritage

Enjoy the benefits of being a Credit Union member and owner

American Heritage is a credit union, not a bank. Since we provide all of the same services and conveniences as a bank, take a closer look at what makes us different – and better!  American Heritage will never be a faceless, business-first organization. We are a community of members. We live and work together. We are family.


Notable inventions, 1910–2000

And future Call of Duty players would thank them.

Because every kid should get to be Tarzan for a day.

And the world rejoiced.

Because building roads is inconvenient.

Ain’t nobody got time to rake.

Because paper currency is for noobs.

Nobody likes cords. Nobody.

Brighter than glow memory.

To capitalize on an as-yet nascent market for cat photos.

Because organic search rankings take work.

We Charge You Less and Pay You More

American Heritage consistently has fewer and lower fees, lower rates on loans, and higher rates on savings than a bank.

American Heritage is a Not-for-Profit Organization

As a financial cooperative, our funding comes from the pooled accounts of our members. We use those funds and fee income to provide members with interest on their savings, new and improved services, and a wide range of loans.

Banks, on the other hand, are for-profit organizations, and their objective is to deliver a profit to their owners - thus more fees and lower deposit rates.

Since American Heritage is a not-for-profit, we are able to pay higher dividends, or interest rates on savings, money market and interest-earning checking accounts. At the same time, the interest rates we charge on credit cards and auto loans are lower: on average, they are one-half to one percentage points lower than conventional bank rates, which can add up to a lot of savings over the lifetime of a loan. Our Board of Directors are even volunteers, something you'll never see at a bank. Click here to meet our Board of Directors.

The Credit Union is Owned by You, our Members

As a credit union, American Heritage is owned by our membership. You have a say in how we operate. You and other members elect a volunteer board of directors to oversee the credit union. The American Heritage President/CEO reports to this board.

By contrast, banks are owned by investment stockholders. The directors of a bank are paid and are legally bound to make decisions that benefit the stockholders. The stockholders expect the bank to make money for them – not for the bank’s customers.

We are Dedicated to Your Financial Health

Managing your finances properly requires a combination of education about financial terms and practices and tips on how best to make the best decisions. American Heritage provides both for its members.

Your American Heritage representative will be happy to discuss any financial matter with you. Stop in any branch with your questions.

We provide a number of online resources, including mortgage calculators and interest rate charts. We also host seminars on finances both online and in the community. And we regularly publish newsletters and brochures with information to improve your financial smarts.

You Can Speak with our CEO

Our President & CEO, Bruce Foulke, wants to hear from our members.  Read a special message from Bruce and learn how you can contact him directly here!

Our Value Proposition

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

Our Mission Statement

American Heritage Credit Union's mission is enhancing the lives of our members and the communities we serve by building trusted relationships.