• 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

Convenient Account Access

With a variety of methods available, accessing your account is simple.


Find a UHCU Branch/ATM

  Find it

It doesn’t get more convenient than this – banking in the palm of your hand. With two easy alternatives, our mobile banking solutions let you access your account anytime, anywhere from your mobile device. Whether you’re connecting via mobile Web or the UHCU App, mobile banking allows you to view account activity, transfer funds between accounts, make loan payments and check balances. We’re making your smart phone even smarter.

Mobile Web

Access your account from any mobile phone or device with a browser using m.uhcu.org.


Get more from your mobile banking experience with the UHCU App – quick and easy bank transactions, branch/ATM locators and promo announcements. The app is a free download for Apple® iPhone, iPad, iPod Touch or Android™ mobile devices.

Click on the icons below to download the free App today.



To use UHCU’s mobile banking services (Mobile Web and App), you must first register for your access code. Register by visiting your local branch or calling our Telephone Service Center at 512.435.4545, 903.597.7484 or 800.531.2328.

Access your accounts 24/7. Our online banking service is open for business all day, every day, enabling you to confirm balances, view account activity, transfer funds between accounts, setup alerts and pay bills. Online banking gives you the freedom to bank according to your schedule.

Sign in to Online Banking

First time signing in? – Current Member
New Member – New account enrollment
Forgot Password?

  Sign in

Signing In / Account Set Up:

Please note: A Secure Access Code is required the first two times you sign in to your Online Banking account. Learn More


Welcome to UHCU Online Banking:

Online Banking lets you easily view your accounts, schedule bill payments and much more.  Online Banking is there to provide access to your money 24 hours a day, 7 days a week.
Start banking online today.


Pay Bills & Manage Money:

  • Pay bills through UHCU Web BillPay to save time, money and paper
  • Transfer to other UHCU members and external accounts
  • For BillPay assistance, please call 855.242.8103

System Requirements:

Go paperless with eStatements! Save time and paper with this convenient alternative to monthly mailed statements. By signing up to receive your statements electronically, you are able to download them from the eStatement site or through your Online Banking account the first business day of each month, and can view them for up to 18 months. By receiving your statements electronically, you’re free from the burden of having to keep track of and shred paper statements. You can access all of this information online whenever you need.

We understand that fast and easy access to your accounts is important when it comes to selecting your financial partner. To better serve you, we have joined several ATM surcharge-free networks, providing our members access to hundreds of free ATMs throughout the Greater Texas area as well as more than 35,000 surcharge-free ATMs nationwide.

  Learn More

Access your account 24 hours a day, seven days a week from your touchtone phone. Convenience at its best! Through our automated phone system, you are able to check your balances, transfer funds and perform other banking needs.

To access your accounts using IN-Touch℠, you need your main account number and your Personal Identification Number (PIN). First time callers are asked to enter their account number, then enter the last four digits of their Social Security Number. The system will then prompt the caller to set a PIN. If you are a current member and do not know your PIN, you create a new code by contacting the Telephone Service Center at 512.435.4545, 903.597.7484, 800.531.2828, then press 0.

To learn more about IN-Touch℠, visit any branch to receive a helpful instruction guide or download the online version.

We provide our members with convenient ways to manage their accounts anywhere, any time. Whether you’re at home or on the go, we have a solution for you. It’s safe, secure and easy.

24/7 Account Access

  • We're making banking personal again.

  •   Find a Location Near You