UHCU Welcomes You!

What can we help you with today?

Buy a car, win free car washes.

If you finalize a purchase Auto Loan with UHCU from now until October 4, 2020, you'll be entered to win a YEAR of free car washes!

Find Out How

We updated our PO Box address.

We recently updated our PO Box address. Please update your records for any future mailings and loan payments.

See New Address

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.

Find Out More

Open the possibilities.

Open an account with UHCU today to experience how we’re making banking personal again.

Open an Account

COVID-19 Information

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

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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

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

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

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

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

Auto Loans

Buy a car, win free car washes for a year.

Auto Loans should come with perks! That's why if you finalize a new Auto Loan with UHCU from now until October 4, 2020, you'll be entered to win a YEAR of free car washes!

Benefits of UHCU Auto Loans:

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

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.