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  • 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.

  • Vehicle Loans

    Auto Loans Let us take the stress out of the car buying process.

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

    Other Loans Great rates on motorcycle, RV & boat loans.

  • 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.

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  • 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

Member Services Rates and Fees

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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.

Savings & Investments Rates

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


Effective 3.4.2015

  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%;
1.15%; 1.44%		 .35%
Annual Percentage Yield 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%; 1.45%		 .45%; .60%; .95%;
1.15%; 1.45%		 .35%
Minimum to Open $1 $1 $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.

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