How to Open Online
- Login to your UHCU Online Banking account using a browser or the mobile app.
- Select "Open An Account" in the navigation.
- Select the 11 Month CD Promo from the "Select Product(s)" dropdown.
- Click Next to verify your contact information
- Select your method to fund your new CD. Options include: Bank Transfer, or Credit of Debit Card.
Questions? We're here to help!
Call 512.435.4545 to speak to a UHCU representative or visit your nearest UHCU branch for personalized asssistance.
What do I need to become a UHCU Member?
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 a Texas resident and an existing member of or agree to join the Texas Consumer Council (TXCC).
Have these ready
CD Frequently Asked Questions (FAQs)
Can I add funds later?
No. Certificates don't accept additional deposits after opening. You can open another CD at any time. Promotional certificates must be opened by the deadline.
Can I move my current UHCU CD into this?
No. This rate is for new money only. If your UHCU CD is maturing, we're glad to walk you through renewal options.
How can I fund?
| Ways to Fund | How it Works | Good to Know |
|---|---|---|
| Online, as you open (easiest) | Move money from your account at another bank or financial institution in the same step you open your CD. Complete in one visit. | Our highest funding limits are online, up to $250,000. The simplest choice if you're not near a branch. |
| By Phone | Call 512.435.4545 after you submit your online applications and we'll open and fund your CD with you. | Fund using ACH or a debit card for a maximum of $10,000. Call Center is available Monday - Friday from 9 AM to 5 PM. |
| Mobile Deposit | Deposit a check from another institution in the UHCU app. | Funds availability policy applies. |
| At a Branch | Bring a check, cash, or transfer details from your other institution. We'll handle the rest. | Any Amount. Find a location. |
Moving a large amount? Ask about a wire transfer. Call us and we'll walk you through it.
Moving an IRA? Contact us or visit your nearest branch location.
How are dividends paid?
Dividends are paid and compounded quarterly.
Is my money insured?
Yes, federally insured by NCUA up to $250,000 per member, per ownership category. Excess insurance is available.
What counts as new money?
New money is defined as funds not on deposit at United Heritage Credit Union as of October 01, 2026. Money coming from another bank, credit union, or brokerage qualifies.
What happens at maturity?
At maturity your CD will renew into a standard 12-month Certificate at the then-current rate, unless you tell us otherwise during the X-day grace period. We'll send a notice before it matures.
What if I withdraw early?
A penalty may be imposed for early withdrawal, and it could reduce earnings.