• 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.

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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.

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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 4.4545 out of 5 by 11.
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 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 Fast and Easy! Love my new car and how fast and easy it was to close the loan without going to a branch. Thanks United Heritage!
Date published: 2014-09-05
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 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
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
  • 2015-03-26T10:59CST
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