• CDs

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

  • IRAs

    Variable-Rate IRA Call the shots with this flexible option.

    Fixed-Rate IRA Deposit a fixed amount while earning higher returns.

  • Financial Advisor

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

    • Added Benefits

      Glossary of Financial Terms Financial literacy starts with understanding financial terms.

      Calculators Use our auto and mortgage calculators to estimate the loan terms that best fit your budget.

Freedom Checking Account

Banking doesn’t get better than UHCU's Freedom Checking account. With no minimum opening balance and no monthly fee, this is the perfect checking account for anyone looking for easy access to their money while still cashing in on rewarding benefits like free Mobile Banking and unlimited transactions. Plus, United Heritage makes managing your finances convenient with Online Banking, Web BillPay and Instant Issue Debit Cards. For those living in Austin, Cedar Park, Kyle, Tyler and all across Central Texas, UHCU is available to fulfill your financial needs.


Freedom Checking

Fully loaded checking that won’t break the bank.

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More Checking Benefits

At UHCU, you get even more.

  •  FREE account transfers**
  •  eStatements
  •  OVERDRAFT protection
  •  FREE in-branch & phone service
  •  DIGITAL copies of cleared checks
  •  ACCOUNT alerts
  •  FREE lobby coin counters
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Premier Perks

Turn your checking or savings account into a powerful financial protection and money-saving tool. For only $5.95 a month you can add Premier Perks benefits to a new or existing checking or savings account.

  • Identity theft and fraud protection
  • Credit card protection service
  • Savings on dining, recreation, everyday purchases and more
  • Discounts on prescriptions and vision care
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Mobile Check Deposit

*Web BillPay is free when it is actively being utilized. An inactivity fee of $6.95 is assessed if there are fewer than three (3) payments processed during the Web BillPay calendar monthly billing cycle.
**Excludes overdraft transfers.
Membership/Regular Savings required for all checking accounts.
Programs (including, without limit, fees, rates and features) subject to change without notice.
See Fee Schedule for applicable fees.
Instant Issue Visa® Debit Card: Get a custom designed, instant issue Visa® Debit Card for just $1.
Overdraft Protection is available for all checking accounts from the designated savings account up to the amount of funds on deposit. 
Overdraft loans and Courtesy Pay Protection are subject to qualification as per United Heritage policies. 
Copies of cleared checks endorsed within 18 months of request date are free via Online Banking. 

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