I went back to the breaker panel and checked again and you are correct. They are marked 10,ooo aic in white letters where the 10 is easy to read and the rest not so much. The actual amperage is a molded number on the handle where it is not highlighted or readily visible, at least to my old eyes. The breakers are actually 20 amp breakers.
Thank you for the information. You saved me some unnecessary expense and worry.