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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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Paycheck Protection Program

Need COVID-19 relief? A Paycheck Protection Program loan can help.

Need COVID-19 relief? A Paycheck Protection Program loan can help.

If your business has been harmed by the global Coronavirus pandemic, you can get financial assistance.

In December 2020, the government passed a second round of the Paycheck Protection Program that includes another $284.5 billion for new loans, split between first time (first draw) and second time (second draw) loans.

Learn more and start an application today by clicking the button below.

Branch Appointments

Certain lobby-only banking services, such as safe deposit box entry, are available by appointment only. 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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COMPLAINT NOTICE

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
memberassist@uhcu.org 

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: complaints@cud.texas.gov, Website: www.cud.texas.gov.