Financially prepare for your happily ever after.
Before the vows are made and rings are exchanged, talk with your soon-to-be spouse about what is realistic to spend on the big day and how you will coordinate finances going forward. While money-related conversations aren't as glamorous as wedding day details, they're important to have ahead of time.
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As you prepare for this exciting new chapter, it’s also the perfect time to get your financial life organized—from managing accounts and benefits to protecting your savings for the future.

 

Paying for the Big Day

As exciting as your wedding day will be, it is just that—a day. Be mindful of how much you want to commit financially to the event.

  • Set a realistic budget that you are both comfortable with
  • Know how others will be contributing financially to the celebration
  • Prioritize your expenses and create a payment calendar
  • Determine where you are willing to settle for more affordable options

Subtle Wedding Day Expenses to Remember

It's easy to budget for bigger ticket items like your venue or dress, but remember that seemingly smaller expenses can add up quickly.

  • Monetary tips for vendors, hair and makeup artists, musical entertainment, etc.
  • Delivery fees for flowers, rental supplies, etc.
  • Postage for invites and RSVP return envelopes
  • Dress and suit/tux alterations
  • Up charges for extended timeframes, cake cutting, upgraded furniture or table dressings, etc.

Paying for a Honeymoon

Your honeymoon is a chance to relax, celebrate, and create lasting memories — but it doesn’t have to break the bank. With a bit of planning and a few smart strategies, you can enjoy your dream trip without creating long-term financial stress.

  • Set a realistic honeymoon budget that includes travel, lodging, meals, activities, and a small emergency cushion. 
  • Use a travel rewards credit card to earn points, miles, or cash back — but plan to pay it off using wedding gift money. 
  • Take advantage of travel discounts through programs like AAA and CU Travel (see below). 
  • Consider a honeymoon registry where guests can contribute toward experiences or travel costs instead of traditional gifts.
  • Watch for hidden costs like baggage fees, resort fees, international transaction fees, and factor them into your budget.

Plan for Your Post-Wedding Financial Future

What will getting married mean for your money-management style? To get the conversation started with your significant other, answer the following questions together:

  • Will we be opening a joint account or keeping our finances separate?
  • What debts are you currently paying?
  • Who will be paying for what?

Cash 1

Personal Loans

An alternative to using a credit card, personal loans are a simpler way to borrow for your wedding expenses.

We offer low interest rates and you can take up to 120 months to repay your loan!

Credit Cards 2

Credit Cards

Wedding showers, vendors, flowers, apparel, gifts, and more can rack up some serious points if you have the right tools. American Heritage Mastercards® earn ScoreCard® Rewards Points with each purchase!

Our credit card options offer the best rewards depending on your spending style.

Savings Growth 5

High-Yield Savings Account

Have some time before the big day or looking to build savings in your married life?

Let your savings accrue at a higher rate than a regular savings account with a High-Yield Savings Account!

 

Read Before You Wed

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Your Open Enrollment Guide: Choose Benefits That Fit Your Life

11.20.25
November may bring cooler weather, shorter days, and plenty of pumpkin spice, but it also brings something important for your finances: open enrollment season. While it’s not celebrated with cozy sweaters or holiday treats, this once-a-year window gives you the chance to make big decisions about your health and financial well-being for the year ahead.

What a Baby Costs in Their First Year in 2025

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Whether you find out you’re expecting or you get a call from your adoption agency, your first response to welcoming a child is probably an instant rush of emotions. That is likely to be followed by a dawning realization of how much needs to be done—and spent—before the baby comes home. According to analysis by LendingTree, an online lending marketplace, it currently can cost nearly $300,000 to raise a child from infant to age 18.

For Your Honeymoon—or Minimoon!

Spend less and experience more with exclusive hotel rates for American Heritage Credit Union members! Enjoy member only rates on 1.2 million brand name hotels worldwide, and receive 5% back when you book travel using American Heritage credit or debit card.
Explore CU Travel Benefits

Ready to Say "I Do"?

Whether you need help financing an engagement ring, wedding dress, dream venue, or simply paying the caterer, we are here to help! An American Heritage Personal Loan is the perfect tool to start.
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