Checking & Savings
Loans & Credit
Invest & Insure
Guidance & Advice
Manage your money with no fees and no minimums.
Your second chance to rebuild your financial history.
Our Freedom account tailored for ages 12 – 17.
VIP Money Market
Tiered interest rates with unlimited deposits.
Your gateway to all member services and products.
Customizable account to help you save for something special.
Maximize your savings at a higher rate.
Stuff this stocking to prepare for the holidays.
Designed exclusively for our members under 18.
Plan for your child’s education with tax-free growth.
Designed exclusively for our members under 18.
Access your money instantly.
Instant Issue Debit Cards
Real Estate Loans
Flexible financing options for the home of your dreams.
Home Equity Loans
Access cash using the equity you’ve built in your home.
Estimate monthly mortgage payments, how much house you can afford and more.
Let us take the stress out of the car buying process.
Enjoy lower interest rates and smaller payments when you refinance.
Other Vehicle Loans
Great rates on motorcycle, RV & boat loans.
Calculate the best auto loan term to fit your budget.
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.
Industry-leading cards with competitive rates and benefits.
Competitive, low interest rates.
Sign most loan documents electronically with DocuSign.
Personalized service from your UHCU Loan Specialist.
Tiered interest paid quarterly; terms from three to 60 months.
No monthly fee; traditional and Roth IRA available.
Term Life Insurance
An affordable option to keep you covered.
Up to $300,000 worth of coverage, no medical questions asked.
Be prepared for an unexpected illness or hospitalization.
Free, instant rate quotes from reputable carriers.
Looking for Financial Help?
Our partnership with LPL financial will put you on the right track with investment services, insurance products and information access.
Protect yourself from identity theft or fraud.
Build wealth and take control of your financial future.
Credit history stays with you; make sure it’s good.
Proper investments can make your money grow.
Credit Union FAQ
Learn more about credit unions.
Life Event Planning
Buying a Car
Things to think about before buying a new car.
Buying a Home
Plan ahead before buying a new home.
Saving for College
It’s never too early to start saving for your child’s education.
Glossary of Financial Terms
Financial literacy starts with understanding financial terms.
Use our auto and mortgage calculators to estimate the loan terms that best fit your budget.
Online transactions make banking a breeze.
Access your account any time, anywhere from your phone.
Rates & Fees
View rates and requirements for all UHCU checking accounts.
View rates and requirements for all UHCU loans.
View rates and requirements for all savings and investment opportunities.
Costs for our products and services.
Accounts and products to fit your unique needs.
Web BillPay and direct deposit make money management simple.
We go way beyond deposits and withdrawals at our branches.
Don’t let tax-season stress get you down.
Become a Member
At UHCU, we go above and beyond for our members. Join the UHCU family and see how we make banking personal.
Discover an exhilarating way to cruise past high gas prices and enjoy the great outdoors. Get a United Heritage loan for your new or used motorcycle and start touring the scenic routes of the Hill Country and beyond. UHCU even offers low-rate, flexible-term refinancing options for that motorcycle sitting in your garage.
Don’t wait to purchase your recreational vehicle and see all the beauty this country has to offer. A UHCU loan will get you on the road in no time – use it to finance your motorhome, camper, fifth wheel or travel trailer. With competitive rates and flexible terms, you can make your dreams of owning an RV and exploring the open road a reality.
Beat the heat on Lake Travis, Lake Austin, Lake LBJ or any other lakes in a new boat financed by United Heritage. Take advantage of the best boat loan offer around – benefit from low rates, flexible terms and a UHCU loan specialist who will help you get on the water quickly without wading through a complicated loan process.
Find a Location Near You
More than accounts and transactions, we take a personal approach to your financial needs. Take a closer look, and see how United Heritage is better.
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Please note: A Secure Access Code is required the first two times you sign in to your Online Banking account.
United Heritage has launched its new Online Banking system. Please read each option below before making your selection. If this is your first time signing in to your account on or after September 17, please click “Yes” below.
*This process to sign in to your account is temporary as we work towards making all members comfortable with the new system. We appreciate your understanding during the transition.