• Investments

    CDs Tiered interest paid quarterly; terms from three to 60 months.

    IRAs No monthly fee; traditional and Roth IRA available.

  • Insurance

    Term Life Insurance An affordable option to keep you covered.

    Accidental Death Up to $300,000 worth of coverage, no medical questions asked.

    Long-Term Care Be prepared for an unexpected illness or hospitalization.

    Auto Free, instant rate quotes from reputable carriers.

    • Added Benefits

      Looking for Financial Help? Our partnership with LPL financial will put you on the right track with investment services, insurance products and information access.

      Learn More

Lower Rates, Higher Yields

Rates & Fee Schedules

Providing value to our members is a top priority at United Heritage. And to us, offering low rates and high yields is part of that value. Whether you’re looking for low-cost money management options or loan rates, see how much you can save when you make UHCU your financial partner.

Checking Rates

Better benefits, fewer restrictions. Easily compare our checking accounts to find the one that works for you.

Effective 6.26.2016

  Freedom Checking Teen Checking Choice Checking VIP Money Market
Balance to Earn Dividends N/A N/A N/A $2,500–$9,999 $10,000–$24,999 $25,000–$99,999 $100,000 and above
Dividend Rate N/A N/A N/A 0.10% 0.15% 0.30% 0.40%
Annual Percentage Yield N/A N/A N/A 0.10% 0.15% 0.30% 0.40%
Minimum to Open $0 $0 $20 $2,500 $2,500 $2,500 $2,500
Minimum Balance N/A N/A $20 $2,500 $2,500 $2,500 $2,500


Regular Savings account required for all checking accounts. Par value of one share is $1.
Rates and annual percentage yields are subject to change at any time.
Checking account dividends are compounded monthly.
Fees may reduce earnings.
See Fee Schedule for applicable fees.


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