• 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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Unbeatable Loan Options

Low rates, flexible terms. We have a loan that’s right for you.


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Loans and Credit

Because helping you realize your goals is important to us, we offer a variety of flexible borrowing options. And as a not-for-profit financial cooperative, United Heritage Credit Union is able to offer you lower interest rates, resulting in serious savings throughout the life of your loan.

Auto Loans


Looking for a new or used car loan, or want to refinance your exisiting loan for lower payments? UHCU auto loans have competitive rates and flexible repayment options.

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Mortgage Loans


Buying a home is an exciting time in your life. Make the process of purchasing or refinancing your house easier with a UHCU mortgage loan.

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Home Equity Loans


Put the equity in your home to work for you with a UHCU home equity loan. With a home equity loan you'll be able to leverage your equity while keeping low monthly payments.

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Personal Loans


Whether you're looking for a personal loan, line of credit or CD secured loan, UHCU's loan options give you the flexibility and coverage you need to reach your goals.

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Motorcycle, RV & Boat Loans


No matter your mode of transportation, a UHCU loan specialist can help you secure a great, low rate. 

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Credit Cards

UHCU offers a variety of credit cards with competitive rates and a full range of benefits. Find the UHCU credit card that’s right for you.

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Membership/Regular Savings account required.
United Heritage Lending Policies apply.
NMLS #630601

Loans is rated 4.5385 out of 5 by 13.
Rated 5 out of 5 by from Excellent car loan and home loan experiences!! I refinanced my car loan with UHCU and saved over $70 per month PLUS I was able to add an excellent extended warranty. I have since bought a second car, and without question used UHCU for that loan, seamless transaction! I have now bought a home, and am thrilled to report my VERY satisfied mortgage experience. I am in the real estate business, and can proudly and professionally recommend UHCU for home loans and refinancing. Thank you to the UHCU team for making our dream a reality!
Date published: 2014-06-12
Rated 5 out of 5 by from Refinanced car loan UHCU on-line loan application and loan process was quick, easy, and so organized. This is my fourth vehicle that I have financed with UHCU. I have always been pleased with the excellent service that I have received. I used the on-line service because of my work hours, but every time I do visit the local branch in Tyler, TX, the quality and great customer service can be found there as well. I would and do recommend UHCU to any and everyone!
Date published: 2014-09-29
Rated 1 out of 5 by from Impossible to speak with an actual person After repeated attempts, I give up! I have called several times and "all of our loan specialists" are always unavailable. Leaving a message for someone to call me back at their convenience, not mine, is poor customer service. However, I did leave messages hoping that the call back would come at a time when I was able to answer. Guess what? No one has ever returned my calls. I'll move on to another lender.
Date published: 2015-03-19
Rated 5 out of 5 by from Great rates I just refinanced my two autos and my travel trailer and I am now saving 218 dollars a month. This was really a easy and no-stress process. I looking forward to working with United Heritage again on my future home purchase.
Date published: 2014-08-24
Rated 5 out of 5 by from Good rates and fantastic service! UHCU gave great personal and reasonable support throughout the refi process and gave me info about options I didn't know were available. On top of that, the rates were great!
Date published: 2014-06-04
Rated 5 out of 5 by from Couldn't be easier! Paperwork was ready and waiting for us. The lending specialist talked us through everything very clearly and we were out the door in only a few minutes. Very happy with rates and service.
Date published: 2014-06-05
Rated 5 out of 5 by from Great staff, incredibly fast and organized! The online process is super easy. They spell everything out for you perfectly. They respond quickly and really do a great job of keeping the process moving forward. The paperwork can be done via DocuSign or in person, super convenient. I will never go anywhere else!
Date published: 2015-01-15
Rated 5 out of 5 by from UHCU is the best!!! UHCU is the best, after negotiating my interest rate with the dealership, UHCU vowed not to be beat and gave me a rate that the dealership could not beat. Thanks UHCU!!!
Date published: 2014-12-20
  • 2015-07-26T09:24CST
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  • We're making banking personal again.

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