Checking Accounts

Freedom Checking Manage your money with no fees and no minimums.

Choice Checking Your second chance to rebuild your financial history.

Teen Checking Our Freedom account tailored for ages 12 – 17.

VIP Money Market Tiered interest rates with unlimited deposits.

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Savings Accounts

Regular Savings Your gateway to all member services and products.

Special Savings Customizable account to help you save for something special.

Independence Savings Maximize your savings at a higher rate.

Holiday Savings Stuff this stocking to prepare for the holidays.

Student Savings Designed exclusively for our members under 18.

Coverdell Education Plan for your child’s education with tax-free growth.

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Youth Accounts

Teen Checking Our Freedom account tailored for ages 12 – 17.

Student Savings Designed exclusively for our members under 18.

Coverdell Education Plan for your child’s education with tax-free growth.
Debit Cards

Debit Cards Access your money instantly.
- Added Benefits
  
  Online Banking
  
  Mobile Banking
  
  Instant Issue Debit Cards
  
  Branch Services
  
  ATM Network
  Become a Member

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.

Mortgage Calculators Estimate monthly mortgage payments, how much house you can afford and more.
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.

Auto Calculators Calculate the best auto loan term to fit your budget.
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

Learning Center

Fraud Protection Protect yourself from identity theft or fraud.

Financial Tips Build wealth and take control of your financial future.

Building Credit Credit history stays with you; make sure it’s good.

Investing Proper investments can make your money grow.

Credit Union FAQ Learn more about credit unions.
Life Event Planning

Buying a Car Things to think about before buying a new car.

Buying a Home Plan ahead before buying a new home.

Saving for College It’s never too early to start saving for your child’s education.
- Added Benefits
  
  Glossary of Financial Terms Financial literacy starts with understanding financial terms.
  
  Calculators Use our auto and mortgage calculators to estimate the loan terms that best fit your budget.

Online Services

Online Banking Online transactions make banking a breeze.

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

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.

Fee Schedule Costs for our products and services.
Member Services

Personalized Services Accounts and products to fit your unique needs.

Convenience Services Web 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

Notification

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Youth Accounts

Start your child on the right financial track.

Welcome to UHCU Bank Youth Accounts

Youth Accounts

When it comes to financial success, United Heritage understands the importance of starting early. That's why we offer several youth accounts to help children and teens get on the right track financially. Whether your child is depositing funds from a piggy bank or an after-school job, we have an account to fit your family's needs.

Apply Now

Teen Checking

The perfect account for banking beginners.

(0 reviews)

$0 minimum opening balance
NO monthly balance requirement
NO monthly fee
FREE Mobile Banking/App
FREE Online Banking
INSTANT ISSUE VISA Debit Card
FREE account transfers**
CHECK writing available for ages 16-17
NO per check charges
INSURED up to $250,000

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Student Savings

Educate your student on the importance of saving.

(0 reviews)

$0 minimum opening balance
NO monthly fee
DIVIDENDS paid quarterly
FREE Mobile Banking/App
FREE Online Banking
FLEXIBLE access to cash
INSURED up to $250,000

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Coverdell Education Savings Account (CESA)

Higher education is expensive. Start saving today.

(0 reviews)

$2,000 annual contribution max
TAX-FREE earnings
BENEFICIARY is younger than 18 years old
EARNINGS to be used on educational expenses
INSURED up to $250,000

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**Excludes overdraft transfers.
Membership/Regular or Student Savings required.
See Rates & Fees for current dividends.
See Fee Schedule for applicable fees.
Information and disclosures for each account type and attached account product are included on the next linked page.

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Youth Accounts

Youth Accounts

Teen Checking

Student Savings

Coverdell Education Savings Account (CESA)

We're making banking personal again.

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