We're glad you're here.

Buy a home with UHCU and adopt a pet at Austin Pets Alive!

Save effortlessly with UHCU Round Up!

Round up your debit card purchases and watch your savings grow.

Turn your everyday spending into automatic savings. Our Round Up program will automatically round up your debit card purchases to the nearest dollar and deposit the difference into the account of your choice. It's a painless way to watch your savings grow over time.

Start saving today!

Round Up & Save
Banking For Where You Are

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.

Summer Skip A Pay
Submit Your Skip-A-Pay Request Online!

Use DocuSign or Online Banking for an easy, secure way to submit your request.

Free up funds for summer fun and enjoy the season a little more with our Skip-A-Pay program, which allows you to skip your June, July or August loan payment.

  • Complete the secure, electronic Skip-A-Pay request form via DocuSign in just a few minutes.
  • If you are a current Online Banking user, you can complete a Skip-A-Pay request while logged into your account.*

Enter to win tickets to this summers' hottest events!

How to Enter

Summer Showtime is back! Enter every week for a chance to win tickets to different events, including: a music festival, Austin FC game, WWE Monday Night Raw and more!

Official Entries: Fill out the entry form with your contact information (once per giveaway) and make sure you're following us on Facebook or Instagram to be eligible to win.

Extra Entries: Like, Comment on and/or Share any of our Summer Showtime posts on Facebook or Instagram.

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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

Visit Our Security Center

Protect Yourself From Fraud

Please be aware that UHCU will never call, text or email members asking for personal information, including:

  • The last four digits of your card number
  • Your PIN number
  • Secure Access Code
  • Online Banking password
These calls are not from United Heritage Credit Union. This is a fraudulent attempt to collect your personal information and access your account. Learn more about recent scams, how to avoid them and protect yourself in our Security Center.

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.

  • Competitive rates
  • 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.