• 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

    Auto Refinance Enjoy lower interest rates and smaller payments with refinancing.

    New or Used Car Loans Let us take the stress out of the car buying process.

  • Personal Loans

    Personal Loans Access to the money you need, when you need it.

    Line of Credit Have peace of mind about any fluctuations in your finances.

  • 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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  • Online Services

    Online Banking Online transactions make banking a breeze.

    Mobile Banking Access your account any time, anywhere from your phone.

  • Rates and 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 View rates and requirements for all savings and investment opportunities.

  • Member Services

    Personalized Service Accounts and products to fit your unique needs.

    Convenience Services 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.

    • Added Benefits

      Become a Member At UHCU, we go above and beyond for our members. Join the UHCU family and see how we make banking personal.

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Protect what matters most.


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You can’t plan for the unexpected, but you can prepare. And because you never know what’s around the corner, ensuring that you’re properly insured is one of the best investments you can make. Deciding what kind of coverage to get and how much you’ll need is a personal decision. United Heritage has a variety of insurance products that fit your needs and your budget.

Helping you plan for the unexpected.

Term Life Planning:

Term Life insurance is a simple, economical way to significantly strengthen your personal insurance portfolio while providing your loved ones with financial security in the event that something should happen to you. Providing temporary protection (coverage lasts the length of the term), Term Life is often a more affordable option than permanent or whole life insurance. We can help you find the right coverage, so you can protect what matters most.

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Accidental Death and Dismemberment:

Much like life insurance, AD&D insurance is here to protect you and your family should anything happen to you. As a thank you to our members, we offer $1,000 of coverage at no cost. If you’d like to add more, you can purchase coverage up to $300,000. No medical history is needed and we’ll conveniently deduct the premium from either your savings or checking account every three months.

Minnesota Life Insurance Company
Monday–Friday; 7 a.m. – 8 p.m. (CST)
Saturday: 8:30 a.m. – 5 p.m. (CST)

Long-Term Care:

There are several things in life that are exciting to plan for – a long-term illness isn’t one of them. Preparing for these unexpected life events is a wise move to make. Should an unexpected illness requiring extended care arise, we want to ensure you’re covered and that your retirement fund and personal savings remain unaffected. Adding Long-Term Care from SWBC to your personal insurance portfolio will help protect your assets and financial stability.

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Whether you’re looking to insure your every-day auto or your look-but-don’t-touch collector’s car, our partnership with SWBC will provide you with access to free, instant rate quotes. Educational tools guide you through the insurance shopping experience, enabling you to sift through a variety of plans and reputable carries to find the coverage that works for you.

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