• 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.

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  • 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.

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Home Equity Loans

Use the equity in your home to pay for the things you need.

Find a UHCU Branch/ATM

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UHCU Home Equity Loans

By taking advantage of your home’s equity you can have access to the cash you need now with a low rate and customized, flexible term loan. United Heritage makes getting a home equity loan in the greater Austin or Tyler area simple with no application fee and low closing costs. Better yet, current United Heritage members can enjoy the benefits of a UHCU home equity loan anywhere in Texas. Use your home equity loan to free up funds to help finance major expenses – such as debt consolidation, tuition payments, home renovations or repairs. If you’re looking for a home equity loan, United Heritage will help find a solution perfect for you.

Traditional Home Equity Loan
Home Equity Line of Credit (HELOC)
First Lien Cash Out (Texas Cash Out)
Home Improvement Loan


Traditional Home Equity Loan

This low-cost loan option allows you to borrow against your home's equity to get cash for whatever you need. Traditional Home Equity loans offer flexible terms and low fixed rates.

UHCU Home Equity Loan Benefits

  • Low fixed rate
  • Consistent monthly payment
  • Various repayment terms available
  • Potential tax savings1
  • No pre-payment penalties
  • Use for one-time expenses like home remodel, debt consolidation or wedding


Use your home’s equity to pay for that upcoming, major expense.

 Get Started 

Home Equity Line of Credit (HELOC)

A Home Equity Line of Credit (HELOC) is a variable rate loan set up as a revolving line of credit. You have access to available loan funds based on an established loan limit using your home as collateral. Funds can be used whenever you want, for whatever you want.

UHCU Home Equity Line of Credit Benefits

  • Low variable rate
  • Lower initial monthly payments
  • Easy access to funds
  • Potential tax savings1
  • No pre-payment penalties
  • Use for recurring expenses like education costs or investments


Access the money you need, when you need.

 Get Started 

First Lien Cash Out (Texas Cash Out)

If you’re looking to refinance your home and want access to extra cash in the process, a First Lien Cash Out may be the best loan option for you. This type of loan enables you to refinance your existing mortgage balance while simultaneously cashing out a portion of the equity in your home. And better yet, it’s all wrapped up in one easy monthly payment.

UHCU First Lien Cash Out Benefits

  • Low fixed rate
  • Consistent monthly payment
  • Various repayment terms available
  • Potential tax savings1
  • No pre-payment penalties
  • Use for extra cash while refinancing your current mortgage


Refinance your mortgage and cash out today.

 Get Started 

Home Improvement Loan

A UHCU Home Improvement loan uses your home’s equity to provide a low-cost option if you want to finance a big home improvement project or remodel. UHCU Home Improvement loans offer flexible terms and low fixed rates.

UHCU Home Improvement Loan Benefits

  • Low fixed rate
  • Consistent monthly payment
  • Potential tax savings1
  • No pre-payment penalties
  • Use for major home repairs or home renovations 


Ready to remodel your home? Apply now.

 Get Started 


Loan Calculators

To estimate monthly payments or determine how much you can afford, use one of our helpful loan calculators.

Mortgage Calculators

Other Calculators




1Consult a tax advisor regarding deductibility of interest.
Membership/Regular Savings account required.
United Heritage Lending Policies apply.
Applicable Texas Home Lending Rules apply.
NMLS #630601



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