Skip to Content
Sign In

Welcome Back


Forgot password?
New Account
Branch Appointments
UHCU Welcomes You!

What can we help you with today?

Explore More Topics

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
Photo of Lakeway branch
United With U branch staff with signs
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!
Find Out More
Family standing outside of new home
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
Follow us on Instagram!
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
Man putting items in mailbox
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
car driving on road
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
Map of Texas
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
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.