American Heritage Credit Union Launches BNPL on Debit Cards for Members to Split Purchases Into Installments

Philadelphia credit union serving more than 300,000 members adds a pay-over-time option to everyday debit card spending, managed in its digital banking

PHILADELPHIA, Nov. 13, 2026 /PRNewswire/ -- American Heritage Credit Union ("American Heritage"), a member-owned financial cooperative with more than $5 billion in assets and more than 325,000 members, today announced a new installment payment option for members who use their American Heritage debit card. Members can now convert eligible debit card purchases into fixed installment payments after the purchase is made, through American Heritage's digital banking.

With the launch of a Buy Now, Pay Later (BNPL) program, members can continue using their American Heritage debit card as they normally would. Members can find and select their eligible purchases in their digital banking, choose an installment plan, and repay the amount over time from their American Heritage account. The BNPL program is offered by American Heritage directly, as part of the member's existing relationship with the credit union.

"Our mission is to enhance the lives of our members by building trusted relationships, and that includes giving them more control over how they manage their spending," said Bruce. K Foulke, President & CEO of American Heritage Credit Union. "With this new option, members who use their American Heritage debit card can pay over time on eligible purchases, with clear terms and from a credit union they already know and trust."

American Heritage partnered with equipifi, a BNPL platform for banks and credit unions, to power this program.

"Pay-over-time options have become an important part of how consumers manage their budgets, and members want that flexibility from a financial partner they trust," said Bryce Deeney, CEO and co-founder of equipifi. "Giving them the option to pay over time on a debit card purchase puts that flexibility inside a relationship they already value. American Heritage's investment in BNPL for its members reflects its commitment to its members and communities, and we're proud to help them deliver it."

To learn more, visit AmericanHeritageCU.org.

About American Heritage Credit Union
American Heritage Credit Union is a member-owned financial cooperative with more than $5.3 billion in assets serving more than 800 Workplace Partners and more than 325,000 members, with more than 35 locations Bucks, Delaware, Lehigh, Montgomery, and Philadelphia Counties in Pennsylvania and Burlington and Camden Counties in New Jersey. Founded in 1948, American Heritage Credit Union is now one of the top 75 largest credit unions in the United States and was named a Best-in-State Credit Union by Forbes. For more information about American Heritage Credit Union, please visit AmericanHeritageCU.org.

About equipifi
equipifi enables banks and credit unions to offer flexible payments and Buy Now, Pay Later as a native capability within their digital banking platforms. By embedding installment lending directly into the institutions consumers already trust, equipifi helps financial institutions deepen the banking relationship, grow their lending portfolio, and compete effectively in a payments landscape defined by evolving consumer expectations. Learn more at equipifi.com.

SOURCE equipifi; American Heritage Credit Union