UHCU Welcomes You!

What can we help you with today?

Now is the time to buy a home.

With the lowest rates we've ever had and personalized service, now is the time to purchase a house. Don't miss out on this unique opportunity.

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We're ready to help you buy a car.

Rates are as low as 1.79% APR. And as always, you can finalize your loan without leaving your house. If you’re ready to buy a car, apply today to get pre-approved!

Take the Wheel

Skip your loan payment.

Our Summer Skip-A-Pay program allows you to skip your June, July or August loan payment.

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COVID-19 Information

We're posting the latest updates on the COVID-19 coronavirus situation here.

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COVID-19 Coronavirus Information

Keeping you informed.

We understand that this time is challenging and creates additional stress for you and your families. We are here for you and still committed to serving you and your financial well-being.

This page provides information on the services available right now, how to contact us, assistance options available for members and more. We continue to update this page as new information becomes available.

During this time, our branch teams, backoffice staff and everyone in between is United With U. We appreciate our members now more than ever!

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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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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

Learn More Apply Now

Summer Skip-A-Pay

Skip your loan payment this summer.

Enjoy your summer with our Skip-A-Pay program, which allows those who qualify to skip their June, July or August loan payment.

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Home Improvement Giveaway

Enter to win a $1000 Lowe's gift card!

With everyone spending a lot more time at home, you've probably noticed some home projects you'd like to tackle. UHCU is here to help make those projects easier and more fun with a $1000 gift card to Lowe's!

Enter via the form on our website once per day as your official entry and interact with our social posts for extra entries. Full details available by clicking the button below.

Enter Now

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.

Service that WOWs

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

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.

Branch Services

We provide our members with the most convenient services possible.

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.

Local Focus

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

Lower Fees

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