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Member Benefits
Checking Accounts
Freedom Checking Manage your money with no fees and no minimums.
Choice Checking Your second chance to rebuild your financial history.
Teen Checking Our Freedom account tailored for ages 12 – 17.
VIP Money Market Tiered interest rates with unlimited deposits.
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Savings Accounts
Regular Savings Your gateway to all member services and products.
Special Savings Customizable account to help you save for something special.
Independence Savings Maximize your savings at a higher rate.
Holiday Savings Stuff this stocking to prepare for the holidays.
Student Savings Designed exclusively for our members under 18.
Coverdell Education Plan for your child’s education with tax-free growth.
Youth Accounts
Debit Cards
Debit Cards Access your money instantly.
Added Benefits
Online Banking
Mobile Banking
Instant Issue Debit Cards
Branch Services
ATM Network
Vehicle Loans
Auto Loans Let us take the stress out of the car buying process. Apply Now
Auto Refinance Enjoy lower interest rates and smaller payments when you refinance. Apply Now
Other Vehicle Loans Great rates on motorcycle, RV & boat loans. Apply Now
Auto Calculators Calculate the best auto loan term to fit your budget.
Real Estate Loans
Mortgage Loans Flexible financing options for the home of your dreams. Apply Now
Home Equity Loans Access cash using the equity you’ve built in your home. Apply Now
Mortgage Calculators Estimate monthly mortgage payments, how much house you can afford and more.
Personal Loans
Personal Loans Access to the money you need, when you need it. Apply Now
Line of Credit Have peace of mind you'll be able to handle fluctuations in your finances. Apply Now
CD Secured Loans Establish credit or borrow money without a co-signer. Apply Now
Credit Cards
Credit Cards 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.
Personal Insurance
Auto Insurance Protect yourself and your car.
Homeowners Insurance Safeguard your home and the things in it.
Renters Insurance Cover your possessions against losses from fire, smoke, theft and more.
Motorcycle Insurance Enjoy the open road with coverage on your ride.
Recreational Insurance Secure coverage for your RV, boat or ATV.
Business Insurance
Business Insurance Get quotes for several facets of your business.
Business Owners Policy Quote Get a quote to insure your business in the event of damages or loss.
Commercial Auto Quote Determine the coverage you need for business vehicles.
Commercial Property Quote Prepare your business for anything with commercial property insurance.
General Liability Quote Make sure your business has sufficient liability coverage.
Workers' Compensation Quote Protect your business and your employees.
Cyber Breach Quote Keep your business safe from a cyber breach.
Additional Products
Telemedicine Access to quality medical care 24 hours a day, 7 days a week.
Pet Insurance Give your furry family members the health care they deserve.
CruiseControl Save thousands on the costs associated with owning a vehicle.
Insurance FAQ
Contact Us
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Claim Information
Insurance services are provided through UHCU Insurance Services, LLC., a United Heritage Credit Union partner.
CDs
CDs Tiered interest paid quarterly; terms from three to 60 months.
IRAs
Variable-Rate IRA Call the shots with this flexible option.
Fixed-Rate IRA Deposit a fixed amount while earning higher returns.
Financial Advisor
LPL Financial Our partnership with LPL Financial will put you on the right track with investment services, insurance products and information access.
Glossary of Financial Terms Financial literacy starts with understanding financial terms.
Calculators Use our auto and mortgage calculators to estimate the loan terms that best fit your budget.
Online Services
Online Banking Online transactions make banking a breeze.
Mobile Banking Access your account any time, anywhere from your phone.
Rates & Fees
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.
Fee Schedule Costs for our products and services.
Member Services
Personalized Services Accounts and products to fit your unique needs.
Convenience Services Web 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.
Become a Member At UHCU, we go above and beyond for our members. Join the UHCU family and see how we make banking personal.
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.
Access your account anytime, anywhere from your mobile device. The UHCU Mobile App allows you to view account activity, transfer funds between accounts, make loan payments, check balances and more. Bank on your schedule, from home or on the go, with United Heritage.
The UHCU Mobile App is a free download for Apple® iPhone, iPad, iPod Touch or Android™ mobile devices.
Find a Location Near You
You are leaving UHCU’s website. Our website contains links to third party sites and other resources not controlled/operated by UHCU. Once you are linked to another site, you are subject to the privacy/security policies and terms of use of the new site, which may differ from those of UHCU. United Heritage Credit Union is not responsible for the content on any linked site and represents neither you nor the third party in the event you enter into an agreement or transaction.
You are leaving United Heritage Credit Union’s website and entering the website of the United Heritage Charity Foundation. Once you are linked to this site, you are subject to the privacy/security policies and terms of use of the UHCF website, which may differ from those of UHCU. United Heritage Credit Union represents neither you nor the third party in the event you enter into an agreement or transaction with UHCF.
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.