• 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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All UHCU branches will be closed on Monday, May 30, in observance of Memorial Day. Branches will be open for normal business hours on Tuesday, May 31.

auto loans; austin auto loans; auto loan; auto loans austin

Auto Loans

(7 reviews)

Whether you’re thinking about buying a new or used car, or looking to refinance your current ride for a lower interest rate, United Heritage offers a variety of auto loan options with competitive rates and easy repayment options. With branches in Austin, in Tyler and throughout Central Texas, your loan specialist will help you find the auto loan that’s right for you. 

New and Used Auto Loans:

When you finance your vehicle with UHCU, you get the best of both worlds -- low auto loan rates and exceptional service. We want your car-buying experience to be as simple as possible, which is why our auto loan specialists will work with you every step of the way -- from pre-approval to signing your name on the dotted line. Our members enjoy:

  • No payment for 90 days
  • Competitive, low rates
  • Personalized service
  • Quick and convenient loan closings -- sign documents electronically via DocuSign
  • Assistance navigating the buying or refinancing process

Let us take the stress out of the auto lending process. Apply now.

 Get Started

Get Pre-Approved:

Once you’ve made the decision to purchase your next vehicle, get pre-approved before heading to the dealership. By working with your auto loan specialist and getting pre-approved, you have greater bargaining power and more freedom in your purchasing decisions. 

Be pre-approved for your auto loan today.

 Get Started

Auto Loan Refinancing:

High monthly car payments can really put a strain on your financial situation. If you’re looking to lower your auto loan payments, reduce your rate or shorten your term, UHCU can help. Refinancing with UHCU means access to competitive rates, multiple term options and a helpful loan specialist who always goes the extra mile for you.

Find out what you can save by refinancing your current auto loan. 

 Get Started

Proof of Insurance:

Your loan agreement with UHCU requires you to maintain and provide proof of acceptable insurance coverage on your vehicle for the term of the loan. You can easily provide proof of your coverage via Imcovered.com, a secure website that allows you to check the status of your insurance, view documentation related to it and provide all information required by your loan contract.

Visit Imcovered.com to verify your insurance today. 

 Get Started

May 18, 2016

Title: Great Experience
Name: Deborah C.
Review: Made Easy

June 10, 2015

Title: Amazing
Name: K524
Review: Great rates! Always friendly staff and fast! They are always on top of their game and ready to assist!

April 29, 2015

Title: Great rates, but
Name: pennypoo
Review: Was pre-approved for an auto loan, but when the dealer sent in the buyers invoice I was told the car was too old. Perhaps you can put in 2008 and newer on your web site. I have two other UHCU auto loans and am very pleased with how they went down.

March 3, 2015

Title: They're ok
Name: Mehmber
Review: Fairly meh. United Heritage is SuperMeh, UberMeh, sorta meh-ish.

January 27, 2015

Title: Car Loan
Name: atexas
Review: Very easy process with the cheapest rates in the market. UHCU's team delivered my loan at they terms they promised without any hiccups. Truly the best service of any lender I have dealt with.

December 20, 2014

Title: UHCU is the best!!!
Name: Reg0007
Review: 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!!!

September 5, 2014

Title: Fast and Easy!
Name: HappyMember
Review: Love my new car and how fast and easy it was to close the loan without going to a branch. Thanks United Heritage!

Membership/Regular Savings account required.
Certain restrictions apply.
APR = Annual Percentage Rate. Limited time offer. United Heritage policies, terms, conditions and restrictions apply. Offers not eligible on existing United Heritage loans. Rates and fees subject to change without notice. Membership required. APR applies to well-qualified borrowers. Various repayment terms available. Loan interest begins to accrue on open date of loan. Delaying first payment for 90 days increases amount of interest paid over term of loan.

Auto Calculators

To estimate monthly payments or determine how much you can afford, use one of our helpful auto loan calculators:  All Auto Calculators

Protect Your Investment

We offer a variety of plans that keep your investment protected. Whether it’s Mechanical Breakdown Protection or Guaranteed Asset Protection (GAP), we can provide the added assurance you want.

For more information, call:


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