• 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

Scam Alert

IRS-Impersonation Telephone Scam: Fraudsters are calling consumers claiming to be IRS employees. Learn more about the scam in our Security Center.

If you receive a call from someone claiming you owe money to the IRS, hang up immediately and notify us by calling 512.435.4545, 903.597.7484 or 800.531.2328 or by sending an email to dbe@uhcu.org.

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Auto Loans

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

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.

Low Rate Auto Loans

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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