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.

Most PopularAdditional Savings Accounts
Regular SavingsGet access to all UHCU offerings with $1 in a Regular Savings account.
Independence SavingsGet a higher return on your investment with this account.
Special SavingsThe perfect way to save for something special.
Minimum Opening Balance
$1
$100
$1
Minimum Monthly Balance
$1
$100
$1
Monthly Service Fee
$0
$0 with $100 minimum balance
$0
ACCOUNT PERKS
Access to Cash
Flexible
Flexible
Flexible
Dividends
Paid quarterly on balances exceeding $100
Paid monthly on balances exceeding $100
Paid quarterly on balances exceeding $100
Unlimited Deposits
SAVINGS BENEFITS
Free Online / Mobile Banking
Insured
Up to $250,000
Up to $250,000
Up to $250,000
Other Benefits
Holiday SavingsStart saving now to get ready for the holidays.
Student SavingsEducate your student on the importance of saving.
Minimum Opening Balance
$5
$0
Minimum Monthly Balance
$5
$0
Monthly Service Fee
$0
$0
ACCOUNT PERKS
Access to Cash
Flexible
Flexible
Dividends
Paid quarterly on balances exceeding $5
Paid quarterly 
Unlimited Deposits
SAVINGS BENEFITS
Free Online / Mobile Banking
Insured
Up to $250,000
Up to $250,000
Other Benefits
balance transfer to select UHCU account on November 1
Woman saving for education
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earn interest and are free from federal taxation as long as they are used to pay for qualifying education expenses and withdrawn before the child reaches 30.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.

Start Saving Today


Membership/Regular Savings required for all savings accounts.
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.