• Real Estate Loans

    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.

  • Auto Loans

    New or Used Car Loans Let us take the stress out of the car buying process.

    Auto Refinance Enjoy lower interest rates and smaller payments when you refinance.

  • Personal Loans

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

    Line of Credit Have peace of mind you'll be able to handle fluctuations in your finances.

    CD Secured Loans Establish credit or borrow money without a co-signer.

  • Credit Cards

    Credit Cards Industry-leading cards with competitive rates and benefits.

    • Added Benefits

      Competitive, low interest rates.

      Sign most loan documents electronically with DocuSign.

      Personalized service from your UHCU Loan Specialist.

      Apply Now
  • Investments

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

    IRAs No monthly fee; traditional and Roth IRA available.

  • Insurance

    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

Lower Rates, Higher Yields

Competitive rates and fees to benefit our members.

Find a UHCU Branch/ATM

  Find it

Checking Rates

Better benefits, fewer restrictions. Easily compare our checking accounts to find the one that works for you.

Effective 4.24.2014
 

  Freedom Checking Teen Checking Choice Checking VIP Money Market
Balance to Earn Dividends N/A N/A N/A $2,500–$9,999 $10,000–$24,999 $25,000–$99,999 $100,000 and above
Dividend Rate N/A N/A N/A 0.15% 0.20% 0.50% 0.60%
Annual Percentage Yield N/A N/A N/A 0.15% 0.20% 0.50% 0.60%
Minimum to Open $0 $0 $20 $2,500 $2,500 $2,500 $2,500
Minimum Balance N/A N/A $20 $2,500 $2,500 $2,500 $2,500


 

Regular Savings account required for all checking accounts. Par value of one share is $1.
Rates and annual percentage yields are subject to change at any time.
Checking account dividends are compounded monthly.
Fees may reduce earnings.
See Fee Schedule for applicable fees.



 

Loan Rates

Work with our experienced Loan Specialists to find the rate and term that best fits your needs.


At United Heritage, we pride ourselves on providing our members with competitive rates on a wide range of loan options. The best way to obtain the most recent rates is to call one of our Loan Specialists today.

Our knowledgable and experienced staff will work hard to help you find the rate and term that best fits your needs. With one simple call you can take advantage of our competitive loan rates and multiple terms.

Finding the right rate is worth the call. Call our Loan Center direct line for loan rate information today — 512.435.4086,  903.597.7484 or  800.531.2328 x4086.

  Apply Now

Savings & Investments Rates

With a variety of options, our Savings & Investment products help you reach your goals. Higher yield accounts begin at UHCU. 


Effective 4.24.2014

  Regular Savings* Special Savings* Student Savings* Holiday Savings* Independence Account** Fixed-Rate
Certificate of Deposit
Individual Retirement
Account
Individual Retirement
Account Variable Rate
Balance to Earn Dividends $100 – $1,999;
$2,000 and above
$100 – $1,999;
$2,000 and above
N/A N/A $100 – $4,999;
$5,000 – $9,999;
$10,000 and above
Monthly Terms: 3; 6; 12;
18; 24;36; 48; 60
Fixed-Rate Monthly Terms:
12; 24;36;48; 60
N/A
Dividend Rate 0.20%; 0.15% 0.20%; 0.15% 0.25% 0.25% 0.50%; 0.75%; 1.00% .15%; .25%; .45%; .45%;
.60%; .95%; 1.15%; 1.44%
.45%; .60%; .95%;
1.05%; 1.26%
.35%
Annual Percentage Yield 0.20%; 0.15% 0.20%; 0.15% 0.25% 0.25% 0.60%; 0.90%; 1.20% .20%; .30%; .45%; .45%;
.60%; .95%; 1.05%; 1.27%
.45%; .60%; .95%;
1.05%; 1.27%
.35%
Minimum to Open $1 $5 $1 $5 $100 $1,000 $1,000 N/A
Minimum Balance $1 N/A N/A N/A $100 $1,000 $1,000 N/A

*Dividend rates are compounded quarterly.
**Dividend rates are compounded monthly.
***Three month Certificate of Deposits (CDs) are not compounded. Dividends are credited at maturity. All other CDs and Individual Retirement 

Membership/Regular Savings account required for all Savings accounts, CDs and IRAs.
Dividend rates and annual percentage yields are determined by the Board of Directors and are subject to change at any time.
Accounts (IRAs) are compounded quarterly.
Fees may reduce earnings.
See Fee Schedule for applicable fees if balance drops below minimum.

Business Rates

Better banking options for your business. Your small business deserves the best products and services available.

Effective 4.24.2014

 

  Business Savings Business Savings Basic Business Checking Classic Business Checking Analysis Business Checking
Balance to Earn Dividends  $250 – $1,999 $2,000 and above N/A N/A Earnings Credit based on 90-Day T-Bill
Dividend Rate 0.20%* 0.15%* N/A N/A Earnings Credit based on 90-Day T-Bill
Annual Percentage Yield 0.20%* 0.15%* N/A N/A Earnings Credit based on 90-Day T-Bill
Minimum to Open $1 $1 $100 $100 $100
Minimum Balance $1 $1 $1,000 $5,000 N/A


Regular Savings account required for all Business accounts. Par value of one share is $1.
For dividend computation refer to your business account agreement. All accounts are variable-rate accounts except those specifically indicated as fixed-rate accounts. Dividend rates and annual percentage yields are determined by the Board of Directors and are subject to change at any time.
Programs (including, without limit, fees, rates and features) subject to change without notice.
Business Savings account dividends are compounded quarterly.
Fees may reduce earnings.
See Business Fee Schedule for applicable fees if balance drops below minimum.
Earnings Credit: Based on 90-day T-Bill applied to the average/investable available balance of qualified Business Checking accounts.
See Business Fee Schedule for applicable fees.

Fee Schedule

Costs for our products and services in one easy-to-read fee schedule.

Effective 8.15.2013

Free Services  |  Checking & Savings  |  Cash Processing  |  VISA Debit & ATM Card  |  Miscellaneous  |  Draft and Collection Services  |  Safe Deposit Box Rentals

 

Free Services

24/7 Mobile Banking and App
24/7 Online Banking
24/7 IN-TouchSM Phone Banking
eStatements
ATM Transactions (United Heritage or Austin ATM Alliance machine)
Telephone Service Center
Cleared Check Copy (endorsed within last 18 months)
Point-of-Sale Transactions (ATM & VISA® Debit Card)
Transaction History Printout
Notary Service & Signature Guarantee


Checking & Savings Fees

Choice Checking $10 per month
VIP Money Market (below $2,500 minimum) $10 per month

VIP Money Market (clear more than three (3) VIP Money Market checks per month)

$1 per check
Printed Personal Checks (125 duplicate checks) $24 and up
Temporary Checks (pkg. of 10) $3
Non-Sufficient Funds (NSF) Check $34
Non-Sufficient Funds (NSF) ACH $34
Courtesy Pay ACH* $34
Courtesy Pay Check* $34
Courtesy Pay Debit* $34
Overdraft Transfer (from deposit account) $4
Re-post Overdraft $34
Stop Payment (lobby or Telephone Service Center) $34
Stop Payment (through Online Banking) $24
Returned Item (personal check) $25
Returned Item (other item) $15
Returned Statement Processing $4

Cash Processing

Cash Processing Change Order: Outgoing Currency $.08 per strap
Cash Processing Change Order: Rolls of Coins $.08 per roll


VISA® Debit & ATM Card Fees

VISA® Debit Card(s) (non-instant issue) $5
Instant Issue VISA® Debit Card(s) (new and re-issues) $1
SmartDesign VISA® Debit Card(s)(new and re-issues) $5
Card Replacement $5
ATM Transaction (non-United Heritage or Austin ATM Alliance machine) $1


Miscellaneous Fees

Web BillPay (Minimum of 3 payments during calendar month) FREE!
Web BillPay (Less than 3 payments during calendar month) $6.95
Official Check (each) $2
Official Check (non-member) $10
Money Order (each) $1
American Express® Gift Check (each) $2.50
Traveler's Check (per $100) $1
Dual Signature Traveler's Check 2.5% of $ purchased
Domestic Wire Transfer (outgoing) $20
International Wire Transfer (outgoing)*** $40
International Wire Reversal*** $20
Domestic & International Wire Transfer (incoming)*** $2.50
Check by Phone $7.50
Check Cashing 1% of check; $2 minimum**
Western Union® Transfer*** $9.95 and up
Research (per hour) $20
Legal Process (i.e. Levies, Garnishment) $25
Account Reconcilliation (per hour) $10
Statement Copy (per statement) $2
Cleared Check Copy (past 18 months of endorsement) $3
Overdrawn Debit $34
Savings Account Closure (within 90 days of open date) $10
Safe Deposit Box Drilling $175
Drive-thru Carrier $100

Draft & Collection Services

Incoming $2
Outgoing $2
International $2 plus costs


Safe Deposit Box Rentals (Annually)

3" X 5" $27
3" X 10" $40
5" X 5" $40
5" X 10" $63
10" X 10" $89

Pre-Paid VISA Card Fee Schedule (PDF)

* Available to qualifying members.
**Applies to accounts with balances less than $100.
This fee schedule sets forth certain fees and charges and is incorporated as part of your account agreement with United Heritage. Any fees or charges assessed to us for an extra service or special handling of your account will be passed on to you. All fees are assessed at the time of service and deducted from your account. Fees are subject to change at any time.

***Please be advised International Wire services will cease as of October 19, 2013.  Click here for more information.

Business Fee Schedule

Costs for our products and services in one easy-to-read fee schedule.

Effective 8.15.2013

Free Services  |  Business Checking & Savings  |  Draft & Collection Services  |  Cash Processing  |  Business VISA
® Debit Card  |  Miscellaneous 
 

Free Services

24/7 Online Banking
24/7 IN-TouchSM Phone Banking
eStatements
ATM Transactions (United Heritage or Austin ATM Alliance machine)
Telephone Service Center
Cleared Check Copy (endorsed within last 18 months)
Transaction History Printout
Notary Service and Signature Guarantee


Business Checking & Savings Fees

Basic Business Checking: Below $1,000 minimum $6
Basic Business Checking: Over 50 debits $.25 per debit
Basic Business Checking: Over 125 deposits $.15 per deposit
Classic Business Checking: Below $5,000 minimum $10
Classic Business Checking: Over 200 debits $.25 per debit
Classic Business Checking: Over 200 deposits $.15 per deposit
Analysis Business Checking: Monthly fee $12.50
Analysis Business Checking: Debit $.10 per debit
Analysis Business Checking: Deposit $.12 per deposit
VIP Money Market (below $2,500 minimum) $10 per month
VIP Money Market (clear more than three (3) VIP Money Market checks per month) $1 per check
Printed Business Checks (packages available) $65 and up
Temporary Checks (pkg. of 10)* $3
ACH Origination $3
Overdraft Transfer (from deposit account) $4
Re-post Overdraft $34
Stop Payment (lobby or Telephone Service Center) $34
Stop Payment (through Online Banking) $24
Non-Sufficient Funds (NSF) Check $34
Non-Sufficient Funds (NSF) ACH $34
Courtesy Pay - ACH** $34
Courtesy Pay - Check** $34
Courtesy Pay - Debit** $34
Returned Item (business check) $25
Returned Item (other item) $15
Returned Statement Processing $4

Draft and Collection Services

Incoming $2
Outgoing $2
International $2 plus costs


Cash Processing

Bulk Coin Deposits: Full Fed Bag FREE!
Bulk Coin Deposits: Mixed denomination/partial bag $2 per bag
Change Orders: Outgoing Currency $.08 per strap
Change Orders: Rolls of Coins $.08 per roll
Deposit Bags: Locked zipper bags $15 per bag
Deposit Bags: Zipper bags $2.50 per bag
Deposit Bags: Disposable bags $.10/ea-$5 bulk
Branch/Night Drop Deposits: Cash deposited (after first $10,000) $.10 per $1,000
Deposit Correction Fee $.20 per item


Business VISA® Debit Card

Business VISA® Debit Card(s) (non-instant issue) $5
Instant Issue Business VISA® Debit Card(s) (new and re-issues) $1
SmartDesign Business VISA® Debit Card(s) (new and re-issues) $5
Card Replacement $5
ATM Transaction (non-United Heritage or Austin ATM Alliance machine) $1


Miscellaneous Fees

Official Check (each) $2
Official Check (non-member) $10
Mondy Order (each) $1
American Express® Gift Check (each) $2.50
Traveler's Check (per $100) $1
Dual Signature Traveler's Check 2.5% of $ purchased
Domestic Wire Transfer (outgoing) $20
International Wire Transfer (outgoing)**** $40
International Wire Reversal**** $20
Domestic & International Wire Transfer (incoming)**** $2.50
Check by Phone $7.50
Check Cashing 1% of check; $2 minimum***
Western Union® Transfer**** $9.95 and up
Legal Process (i.e. Levies, Garnishment) $25
Research (per hour) $20
Account Reconcilliation (per hour) $10
Statement Copy (per statement) $2
Cleared Check Copy (past 18 months of endorsement) $3
Overdrawn Debit $34
Business Savings Account Closure (within 90 days of open date) $20
Drive-thru Carrier $100

* Not available on Business Savings Accounts.
**Available to qualifying members.
***Applies to accounts with balances less than $100.
Debits: Withdrawal by Draft, Credit Card, Debit Card, ACH, POS, ATM or check.
Deposits: Funds addition by ACH, Payroll, Check, Cash or Bulk Deposits.
Bulk Deposits: Consisting of multiple checks, each check within the deposit is an 'item.'
Earnings Credit: Based on the 90 Day T-Bill applied to the average/investable available balance of qualified business checking accounts.
This fee schedule sets forth certain fees and charges and is incorporated as part of your account with United Heritage. Any fees or charges assessed to us for an extra service or special handling of your account will be passed on to you. All fees are assessed at the time of service and deducted from your account. Fees are subject to change at any time.
****Please be advised International Wire services will cease as of October 19, 2013.  Click here for more information.

Providing value to our members is a top priority at United Heritage. And to us, offering low rates and high yields is part of that value. Whether you’re looking for low-cost money management options or loan rates, see how much you can save when you make UHCU your financial partner.

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