Dear Fellow Members,

I am proud to report on another successful quarter at American Heritage and am excited to share details about our upcoming events and initiatives for the 2025 holiday season!

We're honored to have once again been named a Best-in-State Credit Union by Forbes. This is the third year we have been named to this prestigious list, a testament to our commitment to our membership and our community. We also were named a Best Place to Work and a Best Credit Union to Work For by the Philadelphia Business Journal and American Banker, respectively. We have been recognized on this list by the Philadelphia Business Journal for 19 years in a row, and both awards reflect our continued commitment to provide our associates with an inclusive and welcoming workplace environment.

We've also given back to our community in several ways so far in 2025. Our Books for Kids Program raised more than $12,900, allowing us to purchase more than 4,316 books to donate to local nonprofit organizations and hospitals, including Children's Hospital of Philadelphia (CHOP). Our Kids-N-Hope Foundation raised more than $12,500 during its July Purse & Power Tool Bingo event, contributing to more than $25,500 raised by Kids-N-Hope so far in 2025. The fourth annual Kids-N-Hope cornhole Tournament was also recently held and had many members of the community attend. We hope to see you at Kids-N-Hope's Winter Purse & Power Tool Bingo event on November 14th!

The holidays present a perfect opportunity for us to give back to our members and our community. Our Spirit of Giving Food Drive has started, which benefits many local food pantries and organizations. On Saturday, November 29th, we will hold our 18th annual Grand Illumination event, where our community comes together to enjoy our illuminated campus and a free fireworks display. Everyone is welcome to stop by all holiday season long to enjoy over 400,000 lights through New Year's Day.

As we look ahead to 2026, I want to thank our membership for your continued trust and loyalty to American Heritage. It truly is an honor to be able to serve you and your family through life's milestones. We will always seek the best ways to support you as a member and to be there for all you may need.

Thank you, stay safe and healthy, and God bless America.

Bruce K. Foulke, President/CEO