• 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.

  • Auto Loans

    New or Used Car Loans Let us take the stress out of the car buying process.

    Auto Refinance Enjoy lower interest rates and smaller payments when you refinance.

  • 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

      Competitive, low interest rates.

      Sign most loan documents electronically with DocuSign.

      Personalized service from your UHCU Loan Specialist.

      Apply Now
  • 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

Home Equity Loans

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

Find a UHCU Branch/ATM

  Find it

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



  • We're making banking personal again.

  •   Find a Location Near You