• 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.

      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

Freedom Checking

Restriction-free checking loaded with benefits.


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

Freedom Checking Account

Banking doesn’t get better than UHCU's Freedom Checking account. With no minimum opening balance and no monthly fee, this is the perfect checking account for anyone looking for easy access to their money while still cashing in on rewarding benefits like free mobile banking and unlimited transactions. Plus, United Heritage makes managing your finances convenient with Online Banking, Web BillPay and Instant Issue Debit Cards. For those living in Austin, Cedar Park, Kyle, Tyler and all across Central Texas, UHCU is available to fulfill your financial needs.

 

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*
  • INSTANT ISSUE VISA Debit Card
  • FREE account transfers**
  • UNLIMITED check writing
  • NO per check charges
  • INSURED up to $250,000
  • $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
  Open Now

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

UHCU Web BillPay

*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.
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. 
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.

  •   Find a Location Near You