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Privacy & Disclosures

At United Heritage, we make the safety of your private, financial information a top priority. In addition to providing you with unmatched customer service, a full menu of products and competitive rates, we also want to provide you with peace of mind. Please take the time to read our privacy and disclosures notices, and click below to learn more about how we protect and insure your assets.

Other Helpful Documents:

If you have a problem with the services provided by this credit union, please contact us at:

United Heritage Credit Union
P.O. Box 1648, Austin, Texas 78767
512.435.4545 or 800.531.2328 

The credit union is incorporated under the laws of the State of Texas and under state law is subject to regulatory oversight by the Texas Credit Union Department. If any dispute is not resolved to your satisfaction, you may also file a complaint against the credit union by contacting the Texas Credit Union Department at 914 East Anderson Lane, Austin, Texas 78752-1699, Telephone Number: (512) 837-9236, Website:

Expired Certificate Notice
If you're using Netscape Communicator 4.05 or earlier, or Internet Explorer 3.02 or earlier, your browser includes a security component that expired on 12/31/1999. Because of this, your browser may not be able to verify the certificate of secure sites. This is not a Y2K problem. The certificate expiration was built into these browsers. You may receive a dialog box telling you that the certificate has expired, and that your browser may not recognize the site as being secure.

Please Note: Online Banking is still secure even though you receive this message. The security certificate installed within Online Banking is current and in place.

The certificate expired dialog box will not appear once you have updated your browser. To update your browser, please click on the link below of your current browser.

For Netscape users:
For Internet Explorer users:

Netscape, Microsoft and their security partner VeriSign encourage all users of these browser versions to upgrade to the latest versions of Netscape Communicator and Microsoft Internet Explorer to enable the latest capabilities and security features for Y2K.

National Credit Union Administration (NCUA)
The National Credit Union Administration (NCUA) is the federal agency that charters and supervises federal credit unions and insures savings in federal and most state-chartered credit unions across the country through the National Credit Union Share Insurance Fund (NCUSIF), a federal fund backed by the full faith and credit of the United States government. Visit for more information.

Documents Available to Members
Upon request, documents relating to United Heritage’s finances and management are available for review.
1. Balance sheet and income statement
2. Summary of the most recent annual audit
3. Written board policy regarding access to the articles of incorporation, bylaws, rules, guidelines, board policies, and copies thereof and
4. Internal Revenue Service Form 990

Contact Julie Carter at 512.435.4545, ext. 4209 for more information.

Identification Policy

United Heritage Credit Union maintains a Member Identification Program (MIP), as required by the USA PATRIOT ACT. MIP consists of verifying the identity of any person seeking to open an account or be a signer on a business account, maintaining records of the information used to verify identity, using both unexpired government issued documents and non-documentary verification methods, determining whether the person appears on any government lists provided to United Heritage by federal agencies and acting accordingly. MIP requires that every person provide a name, date of birth, address and tax payer identification number prior to opening an account. United Heritage takes reasonable steps to verify the information received, including but not limited to direct confirmation by documentation. The following types of identification are acceptable in current, non-expired, valid condition: Texas State Driver’s License, Texas State Identification Card, Active/Retired Duty Military ID, Passport, US Government ID, Texas National Guard (TNG) Reserve ID, and Valid Out of State Driver’s License or Identification card (if residing out of state). United Heritage reserves the right to accept other forms of ID as it deems appropriate.

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