• 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


All UHCU branches will be closed on Thursday, November 26, in observance of Thanksgiving Day. Branches will be open for normal business hours on Friday, November 27.

Checking Accounts

Choosing a checking account is easy at United Heritage Credit Union. If you’re new to the Austin, Tyler or Central Texas area or if you’re just looking for a better way to bank, United Heritage is the place for you. UHCU offers four distinct checking options, including accounts specifically designed for teens and those looking for a second chance at banking. Free Mobile Banking, Online Banking and e-Statements come standard with all UHCU checking accounts. Review our checking options and apply online today.


Freedom Checking

Fully loaded account that won’t break the bank.


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Teen Checking

The perfect account for banking beginners.


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Choice Checking

The right choice for rebuilding your financial standing.


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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
  • $5.95/month Premier Perks
  • EXCLUSIVE rates for accounts of $100,000 or more
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*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.
Membership/Regular Savings required for all checking accounts.
See Rates & Fees for current dividends. 
See Fee Schedule for applicable fees.
Information and disclosures for each account type and attached account product are included on the next linked page.

Premier Perks

Turn your checking or savings account into a powerful financial protection and money saving tool. For only $5.95 a month you can add Premier Perks benefits to a new or existing checking or savings account.

  • Identity theft and fraud protection
  • Credit card protection service
  • Savings on dining, recreation, everyday purchases and more
  • Discounts on prescriptions and vision care
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  • We're making banking personal again.

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