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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
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Let's Get Social

Follow us on Instagram!

We'd love for you to join us on Instagram where we post about all kinds of things, including:
  • Our awesome giveaways
  • Helpful articles with topics on home buying, car shopping and personal budgeting
  • Information about our services
  • and so much more
We'd love to have you! Click the button below to visit our Instagram profile and click Follow.
Follow @UHCU on Instagram
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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
Learn More
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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!
Learn More Apply Now
Holiday Skip A Pay
Holiday Skip-A-Pay

Make this holiday season a little merrier.

Make the holidays merrier with our Skip-A-Pay program, which allows those who qualify to skip their November, December or January loan payment.

And because we know this year has been especially hard for a lot of our members, we're waiving the normal $20 fee to participate in the program. We hope this provides some relief and helps make this time of year a little merrier!
Learn More
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Holiday Extravaganza

Enter to win more prizes than ever!

It's the most wonderful time of the year and United Heritage wants to help you celebrate with family and friends! We understand that this year has been challenging for all kinds of reasons. Therefore, we’ve decided to do more holidays giveaways than ever before! Over the course of the holiday season, we're giving away great prizes to help you enjoy the holidays with your loved ones. 

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

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.
Request an Appointment
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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:

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Texas Proud.

Where you bank matters.

Service that WOWs
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
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
Branch Services

We provide our members with the most convenient services possible.
Greater Flexibility
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
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
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 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.