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  • CDs

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

  • IRAs

    Variable-Rate IRA Call the shots with this flexible option.

    Fixed-Rate IRA Deposit a fixed amount while earning higher returns.

  • Financial Advisor

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

    • Added Benefits

      Glossary of Financial Terms Financial literacy starts with understanding financial terms.

      Calculators Use our auto and mortgage calculators to estimate the loan terms that best fit your budget.

Rates & Fee Schedules

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.

Checking Rates

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

Effective 10.22.2018

  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 0.10% 0.15% 0.30% 0.40%
Annual Percentage Yield N/A N/A N/A 0.10% 0.15% 0.30% 0.40%
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.


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