• 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

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.

Fee Schedule

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

Effective 6.10.2014

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
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
Premier Perks** $5.95 per month

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
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.
**Membership required. Must be at least 18 years of age. Value and savings based on member usage. Conditions and restrictions apply.
***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.

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