Dear Fellow Members,

I hope you and your family have enjoyed the back-to-school time of year and are preparing for the coming holidays! I'm proud to report on continued success here at American Heritage Credit Union.

As we've proudly celebrated our nation's 250th anniversary, 2026 has been an incredible year for your Credit Union! This year also marks our eighth year in a row being named a Best Credit Union to Work for by American Banker. I'm proud of this achievement, as it reflects our longstanding commitment to providing our associates with a workplace environment where they can thrive. We've also received prestigious recognitions from Philadelphia Business Journal, such as being named on their Fastest-Growing Commercial Lenders list and Largest Employers list. American Heritage will continue its growth in the coming months, as we've recently opened service in the Lehigh Valley with 24-hour Drive-Thru ATM services.

We've also continued to provide support for our communities. We're proud to once again hold our 13th annual Spirit of Giving Food Drive, which collects non-perishable food donations for local food pantries and nonprofit organizations. It's also been a tremendous year for our nonprofit organization, the Kids-N-Hope Foundation. The Foundation has celebrated its 30th anniversary this year and has raised more than $344,680 so far in 2026. They've also held exciting new community events, such as their Community Day and Cow Chip Bingo. We hope you'll join us for the final Foundation event of the year, Purse & Power Tool Bingo on Friday, November 13!

This time of year also marks the return of one of my favorite annual events: Grand Illumination. We hope you'll join us on Saturday, November 28, for an evening full of fun, holiday lights, musical performances, fireworks, and so much more. Guests are then welcome to stroll our illuminated campus all holiday season (including New Year's Day) to enjoy the lights and take family photos.

As we begin looking ahead to 2027, I want to thank you for your continued membership with American Heritage. I know I speak for our entire team when I say, "it is an honor to serve you and be your trusted financial partner." We will continue to provide you with services and products that allow you to achieve your financial goals.

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

Bruce K. Foulke, President/CEO