Checking & Savings
Loans & Credit
Personal & Business
CDs & IRAs
Manage your money with no fees and no minimums.
Your second chance to rebuild your financial history.
Our Freedom account tailored for ages 12 – 17.
VIP Money Market
Tiered interest rates with unlimited deposits.
Your gateway to all member services and products.
Customizable account to help you save for something special.
Maximize your savings at a higher rate.
Stuff this stocking to prepare for the holidays.
Designed exclusively for our members under 18.
Plan for your child’s education with tax-free growth.
Designed exclusively for our members under 18.
Access your money instantly.
Instant Issue Debit Cards
Let us take the stress out of the car buying process.
Enjoy lower interest rates and smaller payments when you refinance.
Other Vehicle Loans
Great rates on motorcycle, RV & boat loans.
Calculate the best auto loan term to fit your budget.
Real Estate Loans
Flexible financing options for the home of your dreams.
Home Equity Loans
Access cash using the equity you’ve built in your home.
Estimate monthly mortgage payments, how much house you can afford and more.
Access to the money you need, when you need it.
Line of Credit
Have peace of mind you'll be able to handle fluctuations in your finances.
CD Secured Loans
Establish credit or borrow money without a co-signer.
Industry-leading cards with competitive rates and benefits.
Competitive, low interest rates.
Sign most loan documents electronically with DocuSign.
Personalized service from your UHCU Loan Specialist.
Protect yourself and your car.
Safeguard your home and the things in it.
Cover your possessions against losses from fire, smoke, theft and more.
Enjoy the open road with coverage on your ride.
Secure coverage for your RV, boat or ATV.
Get quotes for several facets of your business.
Business Owners Policy Quote
Get a quote to insure your business in the event of damages or loss.
Commercial Auto Quote
Determine the coverage you need for business vehicles.
Commercial Property Quote
Prepare your business for anything with commercial property insurance.
General Liability Quote
Make sure your business has sufficient liability coverage.
Workers' Compensation Quote
Protect your business and your employees.
Cyber Breach Quote
Keep your business safe from a cyber breach.
Access to quality medical care 24 hours a day, 7 days a week.
Give your furry family members the health care they deserve.
Save thousands on the costs associated with owning a vehicle.
Get a Quote
Insurance services are provided through UHCU Insurance Services, LLC., a United Heritage Credit Union partner.
Tiered interest paid quarterly; terms from three to 60 months.
Call the shots with this flexible option.
Deposit a fixed amount while earning higher returns.
Our partnership with LPL Financial will put you on the right track with investment services, insurance products and information access.
Glossary of Financial Terms
Financial literacy starts with understanding financial terms.
Use our auto and mortgage calculators to estimate the loan terms that best fit your budget.
Online transactions make banking a breeze.
Access your account any time, anywhere from your phone.
Rates & Fees
View rates and requirements for all UHCU checking accounts.
View rates and requirements for all UHCU loans.
View rates and requirements for all savings and investment opportunities.
Costs for our products and services.
Accounts and products to fit your unique needs.
Web BillPay and direct deposit make money management simple.
We go way beyond deposits and withdrawals at our branches.
Don’t let tax-season stress get you down.
Become a Member
At UHCU, we go above and beyond for our members. Join the UHCU family and see how we make banking personal.
These historically low rates won't be around forever! Apply today and take advantage of the personalized service we offer.
As low as 2.75% APR for terms up to 5 years
As low as 3.49% APR for terms up to 15 years
By taking advantage of your home's equity you can have access to the cash you need now.
With low rates and personalized service, we're here to make financing your home as simple as possible.
Find a Location Near You
More than accounts and transactions, we take a personal approach to your financial needs. Take a closer look, and see how United Heritage is better.
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Please note: A Secure Access Code is required the first two times you sign in to your Online Banking account.
United Heritage has launched its new Online Banking system. Please read each option below before making your selection. If this is your first time signing in to your account on or after September 17, please click “Yes” below.
*This process to sign in to your account is temporary as we work towards making all members comfortable with the new system. We appreciate your understanding during the transition.