• 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 Vehicle 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.

      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

Compare Checking Accounts

Our checking accounts make managing your money a breeze.

All UHCU Checking Accounts come with FREE:

Mobile Banking / Online Banking / eStatements /
In-Branch & Phone Service / Digital Copies of
Cleared Checks / Direct Deposit

Find a UHCU Branch/ATM

  Find it

UHCU 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.


  • $0 minimum opening balance
  • NO monthly balance requirement
  • NO monthly fee
  • FREE Web BillPay*
  • FREE account transfers**
  • UNLIMITED check writing
  • NO per check charges
  • INSURED up to $250,000
  • $5.95/month Premier Perks
  Learn More

Teen Checking

The perfect account for banking beginners.


  • $0 minimum opening balance
  • NO monthly balance requirement
  • NO monthly fee
  • 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
  • $5.95/month Premier Perks
  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
  • $5.95/month Premier Perks
  • EXCLUSIVE rates for accounts of $100,000 or more
  Learn More

*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 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
  Learn More

Checking is rated 2.0 out of 5 by 1.
Rated 2 out of 5 by from Be very careful how you schedule your payments. If you only set three or four payments per month, find out if the payments will be made by check or ACH. I have had my VISA bill paid by check some months and by ACH other months. If a bill is scheduled for the first few days of a month and it is paid by check; they will probably send it out the last day or two of the previous month. Even though you scheduled three payments in a month they will credit the month that the check was written or sent and you will have to pay their $6.95 fee. To be safe your might want to schedule more than three or always set payments for the middle of the month. I have been using bill pay for over eight years and have just had this issue this month. Hope this saves you some $$.
Date published: 2014-09-04
  • 2015-03-29T08:40CST
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