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At UHCU, we won’t treat you like a number. More than just your bank, we want to be your partner along your journey to financial success. Become a member today and experience how we're making banking personal again.

Member Eligibility

Because we believe that better banking should be available to everyone, we've made becoming a member of UHCU easier than ever.

If you can answer "Yes" to the any of the following requirements, you’re eligible for membership:

  • I live, work, attend school or own a business in one of the following counties: Bastrop, Bell, Blanco, Burnet, Caldwell, Hays, Lee, Milam, Travis, Williamson, Cherokee, Gregg, Henderson, Rusk, Smith, Upshur, Van Zandt or Wood.
  • Someone in my family is a member of UHCU.
  • I am an existing member of or agree to join the Texas Consumer Council (TXCC).
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Credit Union FAQs

Do credit unions offer the same services as banks?

Yes! Most credit unions offer a lot of the same services as big banks. For example, United Heritage has Online Banking as well as the UHCU Mobile App so UHCU members can check balances, transfer funds, make loan payments, deposit checks and much more – at home or on the go. Plus, the UHCU website is optimized for mobile devices so you can learn more about our banking or lending services, and even apply for a loan right on your phone. We’re always looking for opportunities to increase our service offerings and provide the latest digital banking technology as well as top of the line banking services for UHCU members. Services offered by UHCU include:

Is it difficult to become a member?

No! There are several ways you can be eligible for membership.

You are eligible to become a member of United Heritage Credit Union if you live, work, attend school or own a business in one of the following counties: Bastrop, Bell, Blanco, Burnet, Caldwell, Hays, Lee, Milam, Travis, Williamson, Cherokee, Gregg, Henderson, Rusk, Smith, Upshur, Van Zandt or Wood. This includes the entire Austin and Tyler metro areas. We also have branches in surrounding Austin communities such as Cedar Park, Lakeway, Round Rock, Kyle, Georgetown, River Place and Westlake. Take a look at our full list of branch locations to find the location closest to where you live or work.

You're also eligible for membership if someone in your family is already a member of UHCU.

In addition, you're eligible if you are member or agree to join the Texas Consumer Council (TXCC).

When you’re ready to become a member, the application process is simple. You can apply online in minutes or visit any UHCU branch location. If you apply online, a United Heritage representative will contact you once your membership application is received to complete the account opening.

Once I become a member, what can I expect?

As a member of United Heritage Credit Union, there are numerous financial opportunities and benefits. You’ll enjoy convenient access to your account(s), competitive loan rates, personalized service at our branches and more. The UHCU website is a great resource for in-depth information regarding your financial well-being. Our Advice & Tools contains topics such as Life Event PlanningFinancial Tips and Fraud Protection. We also regularly post informational articles on United Heritage news, alerts relevant to our members and more.

What is a credit union?

A credit union is a member-owned not-for-profit financial institution that exists to serve its members rather than maximize corporate profits. Like banks, credit unions accept deposits and provide lending services. As member-owned institutions, credit unions focus on providing a safe place to save and borrow at reasonable rates. Federally insured credit unions, like United Heritage, are regulated by the National Credit Union Administration and backed by the full faith and credit of the United States Government.

What is the difference between banks and credit unions?

The main difference between banks and credit unions both in Austin, in the state of Texas and across the country is that banks are for profit and credit unions are not-for-profit financial institutions. Banks are owned by shareholders, while credit unions are owned by members (all individuals who have established an account with the credit union). Because credit unions are not-for-profit cooperatives, they are able to offer lower loan rates, higher savings yields and more personal service than many other financial institutions.

Why should I choose United Heritage Credit Union?

At United Heritage, we approach banking differently. We believe in handshakes, going the extra mile and treating our members like people, not account numbers. We work tirelessly to help you manage your money and build the financial future you desire. The credit union philosophy of “People Helping People” is central to United Heritage – we’re dedicated to providing quality, personalized service to our members and bettering the communities around us. If you’re new to the area or are simply looking for a better place to bank, United Heritage is the right choice for you.

Member Application

Once you’re eligible for membership, becoming a member is quick and simple. All you need is a minimum savings deposit of $1 to open and maintain an account and experience how we make banking personal. With that, you’re ready to begin your application. Start reaping the benefits of a United Heritage membership. A valid photo ID and proof of your taxpayer ID number are required.

Required Identification
United Heritage maintains the highest compliance standards for new accounts by adhering to all applicable terms of the USA Patriot Act, Bank Secrecy Act and OFAC controls.

New and existing members are required to present at least one PRIMARY form of current identification for new accounts and new services:
  • Texas State Driver's License
  • Texas State ID
  • Active Duty Military ID
  • Passport
  • US Government ID
  • Texas National Guard (TNG) Reserve ID
  • Retired Military ID
New members are also required to present a Social Security card or printed verification of the Social Security number (SSN). One of the following current forms of identification may substitute for the SSN:
  • Tax Identification Number (TIN) Card
  • Alien Registration

Financial Planning

Financial advice for everyone such as how to build credit, investing tips, how to avoid fraud, life event planning and more.

View Financial Advice

Online Services

Online and Mobile Banking lets members easily view their accounts, deposit checks, schedule bill payments and much more.

View Online Services

Business Services

We offer a wide range of products and services to enable you to control your business’s financial future.

View Business Services