• 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.

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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.

      Learn More

Teen Checking Account

Get your teen started along the right path to financial responsibility.

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

Don’t wait until they’re out of the house to educate your teen about smart and responsible money management. With no minimum balance requirement, no monthly fee and free account access, this account has everything your teen needs, along with the benefits and flexibility you’d expect from United Heritage.

An early start to financial success.


Teen Checking

The perfect account for banking beginners ages 12 - 17.

  • $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

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
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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

*Excludes overdraft transfers. See Fee Schedule for applicable fees.

Regular Student 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.
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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