• 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.

  • Vehicle Loans

    Auto Loans Let us take the stress out of the car buying process.

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

    Other Vehicle Loans Great rates on motorcycle, RV & boat loans.

  • 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

      Calculators

      Competitive, low interest rates.

      Sign most loan documents electronically with DocuSign.

      Personalized service from your UHCU Loan Specialist.

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  • 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.

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Buying a Car

Things to know before you hit the dealership.

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Buying a car is an exciting time that’s often overwhelmed with a focus on the particulars: new car vs. used car, type of car and color. Before getting carried away with the details, there are steps you can take to put yourself in the driver’s seat.

Determine your budget.

One of the most important first steps down the path to new car ownership is deciding on a budget. It’s important to be realistic here – buy only what you can afford. From this budget, you’re able to determine if you’re in the market for a new or used car, as well as the types of vehicles in your price range. Most advisors suggest your total monthly expenses (car payment, insurance, gas, etc.) not exceed 20 percent of your income.

Clean up your credit history.

If you’ve seen your credit score and know it won’t get you the financing options you’d like, take a step back and reassess. If your new car purchase can wait, consider working on improving your credit first. Low credit scores will result in much higher interest rates, causing the final price of your dream car to exceed the sticker price.

Shop for money before you start shopping for a car.

Getting pre-approved for your new (or new to you) car loan gives you added confidence as you shop for cars and negotiate a fair price, putting you at an advantage when you’re ready to bargain.

Know how to work the dealer.

Before you stroll into the dealership, do your homework. Show up with paperwork on market values, trade-in values and financing options.

Know exactly what you’re buying.

Be wary of dealer add-ons and up sales. Add-ons like service contracts and extended warranties can inflate the price of your vehicle. Check with United Heritage first; we often offer the same products as the dealership but at a much lower cost. And of course, make sure to read all the fine print before signing anything.


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Auto Loans

Get pre-approved for an auto loan at UHCU.

Pre-approval gives you greater bargaining power and more freedom in your purchasing decisions.

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UHCU Low Rate Austin Auto Loans


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