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UHCU Welcomes You!
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Home Loans

Historically low rates. Now is the time to buy.

At United Heritage, we're increasing our home loan product offerings while other lenders are scaling back. With historically low 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.
  • Historically low rates
  • Get pre-qualified with no up-front costs
  • Assistance navigating the home-buying process
  • First-time homebuyer assistance
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PO Box Update

Our PO Box address has changed.

We recently updated our PO Box mailing address. To ensure your loan payments are processed on time and to prevent late payments, please update our mailing address in your address book and/or any bill payment systems to: 
PO Box 202020
Austin, Texas 78720
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Auto Loans

Take advantage of great deals.

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 1.79% APR
  • Personalized service
  • Quick and convenient loan closings from home with DocuSign
  • Assistance navigating the process
  • Ask about no payments for 90 days!
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Search for a Home

Find your home. Find your loan.

Are you searching for a home? Our new home shopping tool makes it easy to find the perfect home for you. You can search by zip code, city, or neighborhood. You can also filter your search by things like type of house, number of bedrooms, price range, square footage and more. 

Start your home search now!
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Debit Card Rewards

Earn free points on your debit card purchases.

Now you can earn points when you use your UHCU Debit Card for purchases! With UHCU Rewards, you earn points simply by using your debit card. Points can be redeemed for great rewards like gift cards, electronics and more. 

How it works:
  • Instead of a check, cash or credit card, use your UHCU Debit Card.
  • Earn points for everyday purchases like groceries, dining out, or filing your car with gas.
  • Set up your account and redeem your points for great rewards at
Your UHCU Debit Card is the simple way to pay - plus, you earn FREE rewards!
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Student Loans

UHCU Makes Student Loans Easy.

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
Summer Skip A Pay
Holiday Skip-A-Pay

Free up funds for holiday shopping!

Enjoy the holidays a little extra this year with our Skip-A-Pay program, which allows those who qualify to skip their November, December or January loan payment.

Branch Appointments

Certain banking services, such as safe deposit box entry, are available by appointment at all branch locations. Appointments may be requested by filling out the form online by clicking the button below or by calling our Member Service Center. Considerations will be made on a case-by-case basis.
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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:

Location Finder

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 at 914 East Anderson Lane, Austin, Texas 78752-1699, Telephone Number: (512) 837-9236, Facsimile Number: (512) 832-0278, Email:, Website: