• Home Sweet Home

    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.

  • Finance Your Car

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

    New Car Loan Keep car payments manageable with a new car loan.

  • Get Funds Now

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

    CD Secured Earn interest on your funds while you borrow against them.

  • Add Flexibility

    Credit Cards Our industry-leading cards have competitive rates and benefits.

  • Grow Your Wealth

    CDs Tiered interest paid quarterly; terms from three to 60 months.

    IRAs No monthly fee; traditional and Roth IRA available.

  • Insure Yourself

    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
  • Convenient Access

    Online Banking Online transactions make banking a breeze.

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

  • Competitive Rates

    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.

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

  • Serving You Better

    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

Freedom Checking Account

Easy, restriction-free checking loaded with benefits.

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

It doesn’t get easier than Freedom Checking. With no minimum opening balance and no monthly fee, this is the perfect account for anyone looking for easy, free access to their money while still cashing in on some rewarding benefits like free mobile banking and unlimited transactions.

Checking Made Easy


Freedom Checking

Fully loaded checking 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/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.
Instant Issue Visa® Debit Card: Get a custom designed, instant issue Visa® Debit Card for just $1.
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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