• 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


      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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Low Rate Real Estate Loans

Low Rate Real Estate Loans

Why go anywhere else for a real estate loan?

Find a UHCU Branch/ATM

  Find it

Real Estate Loans as low as 2.75% APR 

These historically low rates won't be around forever! Apply today and take advantage of the personalized service we offer.  

Texas Cash Out Mortgages as low as
2.75% APR for terms up to 5 years
3.49% APR for terms up to 15 years
Access your money, lower your fixed rate and lower your payment.

Enjoy the benefits of a UHCU Real Estate Loan:

  • No application fees
  • Real estate loans with historically low rates
  • Quick, convenient, customized loans based on your needs
  • Assistance navigating the buying or refinancing process

Ask us about our great rates on mortgage loans, too!

Refinance your mortgage and cash out today.

 Get Started

More Information

Learn more about our Mortgage Loan and Home Equity Loan programs.

To speak to a UHCU loan specialist, call:


Low Rate Austin Real Estate Loans

APR = Annual Percentage Rate. Limited time offer. United Heritage policies, terms, conditions and restrictions apply.
Offers not eligible on existing United Heritage loans. Rates and fees subject to change without notice.
Membership required. APR is subject to underwriting approval and may increase depending on borrower qualification and applicable finance charges.
50(a)(6) first lien only. Closing costs apply. Principal and interest payment on a $10,000 loan, 5 year term at 2.75% APR is $178.58. Principal and interest payment on a $10,000 loan, 15 year term at 3.49% APR is $71.44. NMLS #630601.

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