• 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

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

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

  • 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

Choice Checking Account

Get your second chance toward financial freedom with Choice Checking.

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

Everyone deserves a second chance, especially when it comes to reestablishing financial standing. We’ll help you get back on the road to financial freedom with our Choice Checking account. With unlimited check writing, a low monthly fee and a starting balance of only $20, this is the account to get you on track.

Rebuild Your Financial History


Choice Checking

We believe in giving you a second chance.

  • $20 minimum opening balance
  • LOW monthly fee
  • FREE Web BillPay*
  • FREE account transfers**
  • UNLIMITED check writing
  • NO per check charges
  • $5/month Checking Advantage

More Checking Benefits

At UHCU, you get even more.

  •  FREE Mobile Banking/App
  •  eStatements
  •  24/7 account access
  •  OVERDRAFT protection
  •  FREE in-branch & phone service
  •  DIGITAL copies of cleared checks
  •  ACCOUNT alerts
  •  FREE lobby coin counters
  Open Now

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.

Membership/Regular Savings required for all checking accounts.
Programs (including, without limit, fees, rates and features) subject to change without notice.
Overdraft Protection is available for all checking accounts from the designated savings account up to the amount of funds on deposit. See Fee Schedule for applicable fees.
Overdraft loans and Courtesy Pay Protection are subject to qualification as per United Heritage policies. See Fee Schedule for applicable fees.
Copies of cleared checks endorsed within 18 months of request date are free via Online Banking. See Fee Schedule for applicable fees.


  • We're making banking personal again.

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