The story of Heritage Credit Union sounds much like the origins of the very first financial cooperative. In 1850 crop failure and famine left many Germans poor and hungry. Hermann Schulze-Delitzch, realizing that something needed to be done, organized a cooperative that first sold bread to farmers at discounted prices. Soon after, HermanAos friends gave $140 of their own money to extend deposit and loan services to co-op members that were too poor to be served by banks. Email id based on pattern