• 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

      Calculators

      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.

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Choice Checking

Get your second chance at financial freedom with Choice Checking.


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

Choice Checking Account

Everyone deserves a second chance, especially when it comes to reestablishing financial standing. UHCU will help you rebuild your banking history and reclaim financial freedom with a Choice Checking account. With unlimited check writing, a low monthly fee and a starting balance of only $20, this is the checking account to get you back on track.

 

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
  • $5.95/month Premier Perks

More Checking Benefits

At UHCU, you get even more.

  •  FREE Mobile Banking/App
  •  FREE Online Banking
  •  eStatements
  •  OVERDRAFT protection
  •  FREE in-branch & phone service
  •  DIGITAL copies of cleared checks
  •  ACCOUNT alerts
  •  FREE lobby coin counters
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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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UHCU Branch Locations

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

  • We're making banking personal again.

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