• 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

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

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

  • Personal Loans

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

    Line of Credit Have peace of mind about any fluctuations in your finances.

  • 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
  • Online Services

    Online Banking Online transactions make banking a breeze.

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

  • Rates and Fees

    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.

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

  • Member Services

    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

Compare Checking Accounts

Our checking accounts make managing your money a breeze.


All UHCU Checking Accounts come with FREE:

Mobile Banking / 24/7 Account Access / eStatements /
Free In-Branch & Phone Service / Digital Copies of
Cleared Checks

Find a UHCU Branch/ATM

  Find it

Checking Accounts

Choosing a checking account is easy at United Heritage. UHCU offers four distinct checking options, including accounts specifically designed for teens and those looking for a second chance at banking.

 

Freedom Checking

Fully loaded account that won’t break the bank.

 

  • $0 minimum opening balance
  • NO monthly balance requirement
  • NO monthly fee
  • FREE Web BillPay*
  • INSTANT ISSUE VISA Debit Card
  • FREE account transfers**
  • UNLIMITED check writing
  • NO per check charges
  • INSURED up to $250,000
  • $5/month Checking Advantage
  Learn More

Teen Checking

The perfect account for banking beginners.

 

  • $0 minimum opening balance
  • NO monthly balance requirement
  • NO monthly fee
  • INSTANT ISSUE VISA Debit Card
  • FREE account transfers**
  • CHECK writing available for ages 16-17
  • NO per check charges
  • INSURED up to $250,000
  Learn More

Choice Checking

The right choice for rebuilding your financial standing.

 

  • $20 minimum opening balance
  • LOW monthly fee
  • FREE Web BillPay*
  • FREE account transfers
  • UNLIMITED check writing
  • NO per check charges
  • INSURED up to $250,000
  • $5/month Checking Advantage
  Learn More

VIP Money Market

Get treated like a VIP with this account.

 

  • DIVIDENDS paid monthly on balances exceeding $2,500
  • NO monthly fee with $2,500 minimum balance
  • UNLIMITED deposits
  • CLEAR up to three checks per month
  • INSURED up to $250,000
  • $5/month Checking Advantage
  • EXCLUSIVE rates for accounts of $100,000 or more
  Learn More


Checking Advantage

Added benefits, extra protection and a wealth of savings – this is what you get when you add Checking Advantage to your account. For only $5 a month, our Checking Advantage program gives you even more from your United Heritage checking account.

  • $10,000 AD&D Insurance
  • $10,000 ID Theft Insurance
  • ID Network™ Safety Service
  • Payment Card Protection Service
  • Everyday Rebate Rewards
  • Savers Club®
  • Online Local Savings
  • Hotel Savings Network
  • Rx Advantage™ Prescription Drug Program
  • Vision Plan
  • Just $5 per month


*Web BillPay is free when it is actively being utilized. An inactivity fee of $6.95 is assessed if there are fewer than three (3) payments processed during the Web BillPay calendar monthly billing cycle.
**Excludes overdraft transfers. See Fee Schedule for applicable fees.
Information and disclosures for each account type and attached account product are included on the next linked page.



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