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
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 4.39% APR
- Personalized service
- Quick and convenient loan closings from home with DocuSign
- Assistance navigating the process
- Ask about no payments for 90 days!
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
H. Ralph Wilburn Memorial Scholarship
Application Now Open for $5000 scholarship.
United Heritage Charity Foundation is awarding a $5,000 scholarship to a graduating high school senior who is planning on continuing their education in the Fall of 2023. 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, 2023.
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.
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
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.
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 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.
