• 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.

Personal Loans

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United Heritage Credit Union's personal loan options give you the freedom and flexibility you need to reach your goals. Whether you want extra money for debt consolidation, cash management or unplanned expenses, a UHCU personal loan is a simple, straightforward solution. No matter where you are, our Austin loan specialists will work with you to ensure you get a personal loan product tailored to your situation.

Personal Loans

A UHCU personal loan is great if you're in need of cash but don't want to deal with high-interest credit cards or high rates. Use a personal loan to consolidate debt or pay for an unexpected expense. With a fixed rate and fixed terms, you can count on predictable monthly payments that make budgeting easier. Let a UHCU personal loan specialist help you take the hassle out of getting the money you need.


Need cash? Apply online for personal loan.

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Line of Credit

Have the peace of mind that you'll be able to handle any fluctuations in your finances by establishing a personal line of credit. Access funds from your line of credit whenever you need, for whatever you need. You can even add your personal line of credit as overdraft protection to your UHCU checking account. In the event you have unexpected expenses, your line of credit will protect you against costly overdraft fees.


Manage your cash flow better with a line of credit.

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Share and Certificate of Deposit Secured Loans

Share and certificate of deposit (CD) secured loans allow you to continue earning interest while using the funds from your savings account or CD as collateral for a loan. A share or CD secured loan is the best loan option if you're looking to establish credit, re-establish credit or borrow money without a co-signer.


Build your credit with a share or CD secured loan today.

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Membership/Regular Savings account required.
United Heritage Lending Policies apply. 

Low Rate Auto Loans

Have Questions?

To speak to a UHCU loan specialist, call:

512.435.4444


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