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Don't wait. Auto loans as low as 5.39% APR.

Banking For Where You Are

At United Heritage Credit Union, we understand banking looks different for every stage of life. No matter where you are in your life, we'll be here. We also understand that you need banking services in different physical locations - at home, on the go, or in one of our branch locations. We're here for that, too. With competitive interest rates, low fees, and convenient online and mobile banking, UHCU is the perfect partner to help you achieve your financial goals. Whether you're saving for a down payment on a house, planning for retirement, or simply managing your day-to-day finances, United Heritage Credit Union provides Banking for where you are.

Banking For Where You Are
Application Now Open for $5000 scholarship.
H. Ralph Wilburn Memorial Scholarship

Application Now Open for $5000 scholarship.

United Heritage Charity Foundation is awarding a $5,000 scholarship to two graduating high school seniors who are planning on continuing their education in the Fall of 2024. Applicants must be or become a UHCU member and complete the online application for the United Heritage H. Ralph Wilburn Memorial Scholarship by March 31, 2024.

This scholarship is awarded to students that exemplify the credit union philosophy of "People Helping People," including well-rounded scholastic achievements, involvement in extra-curricular activities and community service. To see the full requirements for application, click the button below.

Your Online Banking home page is getting a redesign!

New look and feel launching February, 27!

Get ready for a refresh to your Online Banking experience! We've focused on creating a modern and sleek interface that's even easier to navigate, making managing your accounts a breeze. Here's what you can expect:

  • A streamlined design
  • Enhanced personalization
  • Seamless integration
We’re rolling out this new layout starting February 27, 2024. It will provide access to all the same features you know and love (plus more!) with a refreshed look and feel.

OLB Redesign
Home Loans

We make home-buying as simple as possible.

At United Heritage, we're increasing our home loan product offerings while other lenders are scaling back. With competitive rates and personalized service, we're here to make financing your home as simple as possible. Whether you're looking to purchase a home, refinance from another lender or take cash out using your home's equity, we have options for you.

  • Competitive rates
  • Get pre-qualified before you shop
  • Assistance navigating the home-buying process
  • First-time homebuyer assistance

Student Loans

Stress Less About Paying For College.

UHCU’s in school loan helps undergraduates and graduates pay the full cost of attendance. Get a credit decision in minutes and invite a cosigner in seconds.

  • Fully deferred, interest only or immediate repayment options
  • Borrow from $3,000 to $150,000
  • .25% discount for automated payment deduction
  • Cosigner release after 36 on-time payments
  • Receive real-time updates on your application via text

Auto Loans

We have a loan for your ride.

Whether you are buying a new or used car or refinancing your current auto loan from another lender, we can help. When you finance your vehicle with UHCU, you get the best of both worlds - low rates and exceptional service. In addition, you can finalize your loan without leaving your home! That's right, by using DocuSign to securely sign loan documents, you can complete the loan process all from the comfort of your home. Just a few of the ways we're here to help with every step of the process.

  • Rates as low as 5.39% APR
  • Personalized service
  • Quick and convenient loan closings from home with DocuSign
  • Assistance navigating the process
  • Ask about no payments for 90 days!

Map of Texas
Always here for you.

Just a click or a phone call away.

Our goal is to provide you with personalized service that meets your needs. In order to provide our members with the most convenient services possible

Visit a branch today:

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Texas Proud.

Where you bank matters.

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Service that WOWs

We treat members like our neighbors because sometimes, they are. We pride ourselves on our service and love of community.

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30,000 Free ATMs

Don't be fooled. Just because we're not a national bank it doesn't mean we don't have a national presence.

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Branch Services

We provide our members with the most convenient services possible.

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Greater Flexibility

We're not a call center, we're here to provide banking solutions and will work with you in person or over the phone.

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Local Focus

We are here for Texas. Banking with UHCU is an investment in the community. We're focused on Texas, not Wall Street.

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Lower Fees

Don't let fees get you down. We firmly believe in taking care of our members' whole financial being.


If you have a problem with the services provided by this credit union, please contact us at:

United Heritage Credit Union
P.O. Box 202020, Austin, Texas 78720
512.435.4545 or 800.531.2328

The credit union is incorporated under the laws of the State of Texas and under state law is subject to regulatory oversight by the Texas Credit Union Department. If any dispute is not resolved to your satisfaction, you may also file a complaint against the credit union by contacting the Texas Credit Union Department through one of the means indicated below: In Person or U.S. Mail: 914 East Anderson Lane, Austin, Texas 78752-1699, Telephone Number: (512) 837-9236, Facsimile Number: (512) 832-0278; Email: complaints@cud.texas.gov, Website: www.cud.texas.gov.