Find the right account for you.
At United Heritage Credit Union, saving money is effortless with our numerous high-yield savings accounts. No matter what you’re saving for or how quickly you’d like to see your funds grow, there's a UHCU savings account that’s perfect for you. United Heritage members can have multiple savings accounts and manage them all within Online Banking and Mobile Banking -- making it easy to reach individual savings goals.
Regular Savings
Get access to all UHCU offerings with $1
A $1 deposit into a Regular Savings account is all it takes to gain access to everything UHCU membership has to offer! This required account establishes your shared ownership interest in the Credit Union. With no monthly services fees, take advantage of a tiered dividend structure to earn even more on your savings!
Current members looking for additional Savings Accounts, open a Special Savings easily through Online Banking or the UHCU Mobile App.
Homebuyer Savings Account
Start Saving, Dream Bigger
Open a homebuyer savings account to start saving for the new home of your dreams! Earn at a higher interest rate than a regular savings account, and save on fees when it's time to wire your down payment.*
Open your account today to start saving!
Independence Savings
Get a Higher Return on Your Investment
If you're saving towards a specific goal, or want to commit to a longer-term investment, the Independence Savings Accout is perfect for you! Earn dividends quarterly on balances exceeding $100, and enjoy the flexibility of being able to add funds at anytime. The interest rate is fixed for the 30 month term, earning you more as you save more!
Current members can open and fund an Independence Savings account easily in Online Banking or the UHCU Mobile App.
Special Savings
Open a Savings Account for All Your Financial Goals
Whether you're saving for a vacation, building an emergency fund, or putting money aside for holiday gifts, the Special Savings account can help you achieve your financial goals! Enjoy no monthly service fees and open as many savings accounts as you want to stay on track.
Set up automatic transfers to save with ease. You must maintain a minimum daily balance of $100 in your account each day to earn dividends.
Current members can open a Special Savings easily through Online Banking or the UHCU Mobile App.
Holiday Savings
Avoid Overspending During the Holidays
If you're interested in helping save money for the holidays look no further than a Holiday Savings account! Avoid the temptation of spending funds early or increasing your debt.
Set up automatic transfers to save with ease and access your savings on November 1 (right in time for the holidays). You must maintain a minimum daily balance of $5 in your account each day to earn dividends.
Current members can open a Holiday Savings easily through Online Banking or the UHCU Mobile App.
Student Savings Account
Learn the benefits of saving with this interest-earning account
Start good banking habits as early as 12 years old with the student savings account. Empower your child's future and teach them the value of saving money, while maximizing their savings potential.
Submit the form and a UHCU representative will reach out to assist in opening this account.
Coverdell Education Savings Account (CESA)
Start education savings today.
With education costs on the rise, it's wise to start saving for a child’s primary, secondary or higher education as early as possible. UHCU's Coverdell Education Savings Account (CESA) allows you to put aside money for a student's educational expenses -- such as tuition, fees, books, supplies and housing. Any contributions you make to the Coverdell Education Savings Account (CESA) earn interest and are free from federal taxation as long as they are used to pay for qualifying education expenses and withdrawn before the child reaches 30. This is the perfect way for parents and family members to help fund expensive education costs. For more information on restrictions and benefits, contact your tax advisor.
- ANNUAL contributions cannot exceed $2,000/year
- TAX-FREE earnings
- CONTRIBUTIONS made until beneficiary is 18 years old
- EARNINGS to be used on educational expenses: tuition, fees, books, supplies, equipment, housing
Coverdell Education Savings Account Amendment
Please review a copy of the Amendment that includes changes made to a law and policy that affect your IRA. If you have any questions regarding the changes, call us at 800.531.2328 and press "0" to speak with a Telephone Service Representative.
Membership/Regular Savings required for all savings accounts.
Par value of one share is $1.
Programs (including without limit, fees, rates and features) are subject to change without notice.
See Rates & Fees for applicable dividends and fees. Fees may reduce earnings.
See Fee Schedule for applicable fees.
Independence Savings Account: Requires a 30-month investment term. Early withdrawal subject to loss of dividends.
Holiday Account: Early withdrawal closes account.
Student Savings: Required membership account for members under the age of 18. Adult signer required. Converts to a Regular Savings when member turns 18 years old.