• 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

Unbeatable Loan Options

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


Find a UHCU Branch/ATM

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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, or want to refinance 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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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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Applying for a UHCU loan couldn’t be easier. A local UHCU loan specialist can assist you with all your lending needs.

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Loan Service Reviews

Check out what others have to say about our loan process and the service they received from our employees. The loan service reviews listed below are sourced directly from surveys returned to United Heritage by members after loan closings.

"Wow! This was the best part of the buying experience (except for the new car of course)! Teriffic help! And put my mind at ease." 

"Wonderful, personable associates. I felt like we were among friends."

"Kudos! Made it really easy. Thank you for offering a lower rate on our car loan. You can't beat the interest rates that were offered."

"Outstanding service was provided throughout the process."

"Amazing team. Thank you for a totally painless process!"

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

  • We're making banking personal again.

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