• 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

Become a United Heritage Member

We treat our members like people, not account numbers.

Find a UHCU Branch/ATM

  Find it

At UHCU we won’t treat you like a number. More than just your bank, we want to be your partner along your journey to financial success. Become a member today and experience how we make banking personal.

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Member Eligibility:

Because we believe that better banking should be available to everyone, we’ve made becoming a member of UHCU easier than ever. If you live in Austin, Tyler, and the communities from Kyle to Georgetown to Lakeway, you’re eligible for membership.

If you can answer yes to the any of the following requirements, you’re eligible for membership.
 
– I live, work, attend school or own a business in one of the following counties: Travis, Williamson, Bastrop, Caldwell, Hays Smith or Wood.

  Become a Member  

– Someone in my family is a member of UHCU.

  Become a Member  

– I work at one of the following employers.
If your employer is on the list below, click the Become a Member button to proceed to the application.

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  • American Fire and Safety, Inc., Temple
  • Angleton-Danbury Medical Center, Angleton
  • Anson General Hospital, Anson
  • Bayou City Medical Center, Houston
  • Bayshore Medical Center, Pasadena
  • Bayview Psychiatric Hospital, Corpus Christi
  • Bellaire Medical Center, Houston
  • Big Bend Regional Medical Center, Alpine
  • Bowie Memorial Hospital, Bowie
  • Brown Schools Rehabilitation Centers
  • Brownsville Medical Center, Brownsville
  • Cedars Hospital, DeSoto
  • Central Texas Medical Center, San Marcos
  • Childress Regional Medical Center, Childress
  • Chillicothe Hospital, Chillicothe
  • Citizens Medical Center, Victoria
  • Cleveland Regional Medical Center, Cleveland
  • Coastal Bend Hospital, Aransas Pass
  • Cochran Memorial Hospital, Morton
  • Coleman County Medical Center, Coleman
  • Colorado Fayette Medical Center, Weimar
  • Columbus Community Hospital, Columbus
  • Comanche Community Hospital, Comanche
  • Covenant Hospital, Plainview
  • Cozby-Germany Hospital, Grand Saline
  • Crane Memorial Hospital, Crane
  • Cuero Community Hospital, Cuero
  • Culberson Hospital District, Van Horn
  • Cypress Creek EMS, Houston
  • Cypress Creek Hospital, Houston
  • Cypress Fairbanks Medical Center, Houston
  • Cypress Point Hospital, Houston
  • Dimmit County Memorial Hospital, Carrizo Springs
  • Doctor's Hospital of Laredo
  • Dolly Vinsant Memorial Hospital, San Benito
  • East Houston Regional Medical Center, Houston
  • East Texas Medical Center, Athens
  • East Texas Medical Center, Crockett
  • East Texas Medical Center, Jacksonville
  • East Texas Medical Center, Mt. Vernon
  • East Texas Medical Center, Pittsburg
  • East Texas Medical Center, Specialty Hospital
  • East Texas Medical Center, Trinity
  • East Texas Medical Center, Wood County
  • Eastland Memorial Hospital, Eastland
  • El Campo Memorial Hospital, El Campo
  • Fisher County Hospital, Rotan
  • Fort Duncan Medical Center, Eagle Pass
  • Frio Regional Hospital, Pearsall
  • Green Oaks Hospital, Dallas
  • Guadalupe Valley Hospital, Seguin
  • Gulf Coast Medical Center, Wharton
  • Heart of Texas Memorial, Brady
  • Hi-Plains Hospital, Hale City
  • Hill Country Memorial Hospital, Fredericksburg
  • Hill Regional Hospital, Hillsboro
  • Hillcrest Medical Center at West Hillcrest Waco
  • Hopkins County Memorial Hospital, Sulphur Springs
  • Hudspeth Memorial Hospital, Sonora
  • Huguley Memorial Medical Center, Ft. Worth
  • Hunt Memorial Hospital District, Greenville
  • Huntsville Memorial Hospital, Huntsville
  • Jackson Healthcare County Hospital, Edna
  • Kimble Hospital, Junction
  • King's Daughter Hospital, Temple
  • Kingwood Medical Center, Kingwood
  • Kruse Memorial Lutheran Village, Brenham
  • Laird Memorial Hospital, Kilgore
  • Lake Grandbury Medical Center, Granbury
  • Lake Whitney Medical Center, Whitney
  • Lakes Regional Medical Center, Jasper
  • Laurel Ridge Treatment Center, San Antonio
  • Leeland Medical Plaza, Garland
  • Limestone Medical Center, Groesbeck
  • Mary Shiels Hospital, Dallas
  • McKenna Health System, New Braunfels
  • Meadow Pines Hospital, Longview
  • Medical Center of Lewisville
  • Medical Center of Plano
  • Medical Center of Winnie
  • Medical Center, Terrell
  • Medical Plaza Medical Center, Ft Worth
  • Medina Community Hospital, Hondo
  • Memorial Hermann Fort Bend Hospital
  • Memorial Hermann Katy Hospital
  • Memorial Hospital of Livingston, Livingston
  • Memorial Hospital, Kermit
  • Memorial Hospital, Seminole
  • Memorial Medical Center, San Augustine
  • Mercy Regional Medical Center, Laredo
  • Mesquite Community Hospital, Mesquite
  • Nacogdoches Medical Center, Nacogdoches
  • Navarro Regional Hospital, Corsicana
  • North Houston Medical Center, Houston
  • North Runnels Hospital, Winters
  • North Texas Medical Center, Gainesville
  • Northeast Community Hospital, Bedford
  • Northwest Texas Healthcare System, Amarillo
  • Otto-Kaiser Memorial, Kenedy
  • Palo Pinto General Hospital, Mineral Wells
  • Park Place Medical Center, Port Arthur
  • Parkview Hospital, Wheeler
  • Parkview Regional Hospital, Mexia
  • Pecos County Memorial Hospital, Ft. Stockton
  • Plaza Specialty Hospital, Dallas
  • Polly Ryon Memorial Hospital, Richmond
  • Red River Hospital, Wichita Falls
  • Refugio County Memorial Hospital, Refugio
  • Rice Medical Center, Eagle Lake
  • Richards Memorial Hospital, Rockdale
  • Richardson Regional Medical Center, Richardson
  • River Oaks Convalescent Center, Columbus
  • Rolling Plains Memorial Hospital, Sweetwater
  • Rollins Brook Community Hospital, Lampasas
  • Schleicher County Medical Center, Eldorado
  • Seton Highland Lakes, Burnet
  • Smithville Regional Hospital, Smithville
  • Southwest General Hospital, San Antonio
  • Spohn Bee County Hospital, Beeville
  • Spring Branch Medical Center, Houston
  • St. Joseph Regional Health Center, Bryan
  • Stamford Memorial Hospital. Stamford
  • Starr County Memorial Hospital, Rio Grande City
  • Sweeny Community Hospital, Sweeny
  • Tallyho Plastics, Inc., Jacksonville
  • Texas Hospital Association
  • Texas National Guard
  • Texas National Guard, Civilian
  • Texas Nurses Association
  • Texas Osteopathic Medical Association
  • Texoma Healthcare System, Denison
  • Trinity Lutheran Home
  • Trinity Mother Frances Health System, Tyler
  • Twelve Oaks Hospital, Houston
  • Tyler County Hospital, Woodville
  • Valley Regional Medical Center, Brownsville
  • Walls Regional Hospital, Cleburne
  • Warm Springs Rehabilitation Hospital, San Antonio
  • Westbury Hospital, Houston
  • Wise Regional Health System
  • Yoakum Community Hospital, Denver City

  Become a Member  

Member Application:

Once you’re eligible for membership, becoming a member is quick and simple. All you need is a minimum savings deposit of $1 to open and maintain an account and experience how we make banking personal. With that, you’re ready to begin your application. Start reaping the benefits of a United Heritage membership. A valid photo ID and proof of your taxpayer ID number are required.

 

Required Identification
United Heritage maintains the highest compliance standards for new accounts by compliance with all applicable terms of the USA Patriot Act, Bank Secrecy Act and OFAC controls.
New and existing members are required to present at least one PRIMARY form of current identification for new accounts and new services:

  • Texas State Driver's License
  • Texas State ID
  • Active Duty Military ID
  • Passport
  • US Government ID
  • Texas National Guard (TNG) Reserve ID
  • Retired Military ID

 

New members are also required to present a Social Security card or printed verification of the Social Security number (SSN). One of the following current forms of identification may substitute for the SSN:

  • Tax Identification Number (TIN) Card
  • Alien Registration

Select the application that best fits what you’re looking for today.

Membership Application
Business Membership Application
Loan Application

  • We're making banking personal again.

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