• Home Sweet Home

    Mortgage Loans Flexible financing options for the home of your dreams.

    Home Equity Loans Access cash using the equity you’ve built in your home.

  • Finance Your Car

    Auto Refinance Enjoy lower interest rates and smaller payments with refinancing.

    New Car Loan Keep car payments manageable with a new car loan.

  • Get Funds Now

    Personal Loan Access to the money you need, when you need it.

    CD Secured Earn interest on your funds while you borrow against them.

  • Add Flexibility

    Credit Cards Our industry-leading cards have competitive rates and benefits.

  • Grow Your Wealth

    CDs Tiered interest paid quarterly; terms from three to 60 months.

    IRAs No monthly fee; traditional and Roth IRA available.

  • Insure Yourself

    Term Life Insurance An affordable option to keep you covered.

    Accidental Death Up to $300,000 worth of coverage, no medical questions asked.

    Long-Term Care Be prepared for an unexpected illness or hospitalization.

    Auto Free, instant rate quotes from reputable carriers.

    • Added Benefits

      Looking for Financial Help? Our partnership with LPL financial will put you on the right track with investment services, insurance products and information access.

      Learn More
  • Convenient Access

    Online Banking Online transactions make banking a breeze.

    Mobile Banking Access your account any time, anywhere from your phone.

  • Competitive Rates

    Checking Rates View rates and requirements for all UHCU checking accounts.

    Loan Rates View rates and requirements for all UHCU loans.

    Savings/Investment Rates View rates and requirements for all savings and investment opportunities.

    Fees Schedule View rates and requirements for all savings and investment opportunities.

  • Serving You Better

    Personalized Service Accounts and products to fit your unique needs.

    Convenience Services BillPay and direct deposit make money management simple.

    Branch Services We go way beyond deposits and withdrawals at our branches.

    Tax Services Don’t let tax-season stress get you down.

    • Added Benefits

      Become a Member At UHCU, we go above and beyond for our members. Join the UHCU family and see how we make banking personal.

      Join Now

Information Center

Answers to our members’ most common questions.

Find a UHCU Branch/ATM

  Find it

We understand there can be a lot of questions when it comes to finding the best way to manage your money. In order to provide you with as much useful and easy-to-find information as possible, we’ve compiled a list of frequently asked questions that cover a wide range of topics from banking basics to fraud protection to loan options.

If you still can’t find the answers you’re looking for, please feel free to contact us and we’ll work to find the information you need.

 

Can I receive account information via email?
United Heritage offers many avenues for members to access personal account information without being at a branch. Members can contact the Telephone Service Center Monday through Friday, from 8:00 a.m. to 5:00 p.m. (CST) for account information. Account information can also be accessed securely by using IN-TouchSM, our 24-hour automated account information phone system, or Online Banking at www.uhcu.org. United Heritage does not recommend members provide personal information by way of email, and does not release personal information by way of email. However, email can be utilized to bring attention to a problem, or ask questions that may be answered with transaction specific information. United Heritage reserves the right to limit information release, even if you give permission for the information to be released through a potentially unsecured method.
Does United Heritage use Social Media?
Yes! As active participants in our communities, we are continually looking for ways to interact with and positively impact our members and the communities we serve. In order to keep you well informed on the latest at UHCU, we use a variety of platforms including Facebook, Twitter, Google+ and Pinterest. Follow us and stay connected to learn more about our upcoming events, current news and financial tips.
How do I report a lost or stolen Debit or ATM card?
To report lost or stolen debit cards during business hours, call 512.435.4545. To report a lost or stolen debit card after hours, please call 888.241.2510. If you are out of the country, call 909.941.1398.
How do I change the address on my account?
Address changes can by made via Online Banking once you log in to your account, or by mail. If you’ll be mailing in your address change, you’ll need to fill out and sign an address change request and send it to: PO Box 1648, Austin, Texas 78767. Please note that proof (piece of mail or an updated license) will be required if the account has been opened less than 60 days.
What is Online Banking?
Online Banking enables you to access your account 24/7. Through Online Banking, you can view your account information and perform a variety of transactions, such as ordering checks, transferring money between accounts, paying bills and downloading account histories. It is a free service for all UHCU members. To learn more, click here.
How do I log in to Online Banking?
You can log in to Online Banking from any page of our website. An Online Banking password is required. If you don’t already have a password, you can create one by contacting the Telephone Service Center or via IN-TouchSM. You cannot access Online Banking with your ATM or Debit Card PIN. If you are unable to log in to Online Banking, click here.

Telephone Service Center:
512.435.4545 / 903.597.7484 / 800.531.2328
Press 0 for a Telephone Service Representative
Press 3 to access IN-TouchSM
Is Online Banking safe? How does United Heritage protect my private information?
Your protection is paramount for us, and this is true for our Online Banking feature as well. United Heritage does not retain your address or domain when you access our website. We do maintain a ‘counter’ for visits to our site, but do not retain the address or origin of these visits. To utilize our online system, members must sign in using an authorized User ID and Password. This system is secure. Members may obtain personal information and make financial transactions, as allowed by the system. Transactions performed while on this system are recorded within the account database. UHCU offers secure encrypted email through Online Banking once a member is appropriately signed in to the system. For more information, click here.
What is Mobile Banking, and how do I use it?
Mobile Banking lets you access your account anytime, anywhere from your mobile device. There are two ways to access your account information from a mobile device: Mobile Web and the United Heritage App. A free download, the app allows you to perform a variety of banking transactions, locate branches/ATMs and receive promo alerts. Mobile Web (m.uhcu.org) gives you full access to the website’s content and functionality. To learn more, click here.
What is the difference between a bank and a credit union?
When you belong to a credit union you’re a member of a not-for-profit financial institution. This means that any profits made go back into the credit union in the form of better rates and lower fees for all members, who own and control the credit union. Credit unions offer many – and, in some cases all – of the same products and services offered by for-profit banks including, checking, savings, loans, and online banking. Credit unions, including United Heritage, even have their own nationwide ATM network. Today’s credit unions remain unique financial institutions with a “not-for-profit but for service” operating philosophy. Annual polls show that credit unions lead the financial community year after year by providing top quality personal service to millions of Americans. A federally insured credit union, United Heritage keeps pace with the needs of our members by offering a variety of products and services.
How can I see what positions are available?
In order to view open positions at all United Heritage branches, visit http://uhcu.iapplicants.com/.
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