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Please remember to not provide any information to someone who calls you and requests personal information. If you're not comfortable with a call you receive claiming to be UHCU, hang up and call UHCU directly. 
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Welcome to United Heritage Credit Union, where banking is always there for you.
Explore the benefits of membership at UHCU below.

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Become a member today!

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Banking For Where You Are

At United Heritage Credit Union, we understand banking looks different for every stage of life. No matter where you are in your life, we'll be here. We also understand that you need banking services in different physical locations - at home, on the go, or in one of our branch locations. We're here for that, too. With competitive interest rates, low fees, and convenient online and mobile banking, UHCU is the perfect partner to help you achieve your financial goals. Whether you're saving for a down payment on a house, planning for retirement, or simply managing your day-to-day finances, United Heritage Credit Union provides Banking for where you are.

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Banking For Where You Are
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Family standing outside of new home car driving on road
Home Loans

We make home-buying as simple as possible.

At United Heritage, we're increasing our home loan product offerings while other lenders are scaling back. With competitive rates and personalized service, we're here to make financing your home as simple as possible. Whether you're looking to purchase a home, refinance from another lender or take cash out using your home's equity, we have options for you.
 

  • Competitive rates
  • Get pre-qualified before you shop
  • Assistance navigating the home-buying process
  • First-time homebuyer assistance

Learn More Apply Now
Auto Loans

We have a loan for your ride.

Whether you are buying a new or used car or refinancing your current auto loan from another lender, we can help. When you finance your vehicle with UHCU, you get the best of both worlds - low rates and exceptional service. In addition, you can finalize your loan without leaving your home! That's right, by using DocuSign to securely sign loan documents, you can complete the loan process all from the comfort of your home. Just a few of the ways we're here to help with every step of the process.
 

  • Competitive rates
  • Personalized service
  • Quick and convenient loan closings from home with DocuSign
  • Assistance navigating the process
  • Ask about no payments for 90 days!

Learn More Apply Now
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There's an option for everyone.

Check Out Our Debit Card Designs

UHCU is offering multiple debit card designs for our members. Card designs feature a variety of options, in both horizontal and vertical orientations. And, debit cards are now contactless! Click below to see all instant-issue and mail in options.

View Design Options
Ready to Elevate Your Everyday?

UHCU Metal Debit Card

The UHCU Metal Debit Card offers a range of benefits beyond its stunning design:

  • Unmatched Durability: Scratch-resistant and virtually unbreakable, this card is built to withstand the wear and tear of everyday use.
  • Enhanced Security: Metal construction offers an extra layer of protection against fraud and skimming.
  • Contactless Payments: Enjoy the convenience of tap-and-go transactions wherever contactless payments are accepted.

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Texas proud.

Where you bank matters.

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Service that WOWs

We treat members like our neighbors because sometimes, they are. We pride ourselves on our service and love of community.

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Greater Flexibility

We're not a call center, we're here to provide banking solutions and will work with you in person or over the phone.

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Lower Fees

Don't let fees get you down. We firmly believe in taking care of our members' whole financial being.

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Always here for you.

Just a click or a phone call away.

Our goal is to provide you with personalized service that meets your needs. In order to provide our members with the most convenient services possible.

Visit a branch today:

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Let's Get Social

We'd love for you to join us on Instagram where we post about all kinds of things, including:

  • Our awesome giveaways
  • Helpful articles with topics on home buying, car shopping and personal budgeting
  • Information about our services
  • and so much more
We'd love to have you! Click the button below to visit our Instagram profile and click Follow.

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Membership/Regular or Student Savings required. Regular Savings account required for all checking accounts. Par value of one share is $1. Programs (including, without limit, fees, rates and features) subject to change without notice. See Fee Schedule for applicable fees.