Open An Account

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:
 

• Auto and Home Loans
• Checking and Savings Accounts
• Online Banking
• UHCU Mobile App
• Mobile Check Deposit
• Touch/Face ID
• Convenient Locations
• And more!

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.

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 Planning, Financial Tips and Fraud Protection. We also regularly post informational articles on United Heritage news, alerts relevant to our members and more.

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.

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.

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.