Mark all as read
Beware of Ongoing Telephone Scams NEW

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. 
New Auto Loan? NEW

For help submitting your insurance, managing your payments and accessing your UHCU account online, we've got you covered. Click here to complete your next steps!
Sign In

Welcome Back

 
Forgot password? Forgot username?
Enroll in Online Banking
 
Branch Appointments

2 Ways to Support East Texas Food Bank 

Woman on phone
Get $150. Give $150.

You Get $150: Enjoy a $150 bonus when you open a new Freedom Checking account and complete qualifying activities.
We Give $150: UHCU will donate $150 to Central Texas Food Bank for every account opened through this promotion.
Easy and Convenient: Open your account online in just a few minutes.

Open Your Account Online
Open An Account. Give $300

You Open a Checking & Savings Account: Open your account using the button below and complete qualifying activities.
We Give $300: UHCU will donate $300 to Central Texas Food Bank for every account opened through this promotion.
Easy and Convenient: Open your account online in just a few minutes.

Open Your Account Online
Man on tablet
Central Texas Food Bank

Central Texas Food Bank

The Central Texas Food Bank (CTFB) is the leading hunger-relief nonprofit in Central Texas, working to provide immediate and equitable access to nutritious food for individuals across its 21-county service area. Through a combination of direct-service programs and a network of approximately 250 nonprofit community partners, CTFB supports over 530,000 food-insecure individuals annually.

United Heritage will donate $150 to Central Texas Food Bank for every new account opened through this promotional offer. These generous contributions will directly support Central Texas Food Bank's programs and services, helping to ensure that our community has access to free food and knowledge on low-cost healthy eating. Additionally, new members who open accounts will also receive a $150 bonus1, making it a win-win situation for both Central Texas Food Bank and its supporters.

How to get your $150 bonus:

1. Open

Become a member by opening a Freedom Checking account from this offer webpage by December 31, 2025.

credit cards icon
2. Qualify

Within 90 days of opening your account, make 20 debit card purchases (excluding ATMs), set up two direct deposits of $500+, and opt in to e-Statements to qualify.
 

Money coming out of ATM icon
3. Enjoy

After the 90-day qualification period and requirements have been met, the bonus will be deposited into your checking account within 30 days. The $150 donation to Central Texas Food Bank will also be given at this time.

Explore the Benefits of Banking with UHCU

UHCU Online Banking

Online Banking lets you easily view your accounts, schedule bill payments and much more. Online Banking is there to provide access to your money 24 hours a day, 7 days a week.

Available Features
  • Pay bills
  • Review transactions
  • Transfer funds to other UHCU members and external accounts
  • Pause your card
  • Locate branches/ATMs
  • Create account alerts
  • Access eStatements
  • Reorder checks
  • Change your address
  • And more!

image of hands typing on a laptop
Illustrative image of a calendar with an arrow from Friday to Wednesday to show getting paid two days early.

Get Paid Early

Open an account with UHCU and you could get paid up to two days early. It's as easy as 1-2-3.
 

  1. Open a UHCU account
  2. Set up direct deposit for your paycheck
  3. Receive your paycheck up to two days early****
It's your money! Why not get it sooner?

We Have Loans for Every Need

car driving on the roadcar driving on the road

Auto Loans

Looking for a new or used car loan, or want to refinance your existing loan for lower payments? UHCU auto loans have low rates and flexible repayment options.

 

Apply Now Learn More
Neighborhood imageNeighborhood image

Home Purchase

Ready to buy a home? Our experienced loan specialists will assist you from pre-qualification to closing, giving you piece of mind. Apply today to take the first step in your home buying journey.

Apply Now Learn More
UHCU logo imageUHCU logo image

HELOC

A Home Equity Line of Credit (HELOC) is a variable-rate loan set up as a revolving line of credit. You have access to available loan funds based on an established loan limit using your home as collateral. Funds can be used whenever you want, for whatever you want.

Apply Now Learn More
Student Loans thumbnailStudent Loans thumbnail

Student Loans

United Heritage Credit Union makes student loans easy. UHCU’s education refinance loan option gives you the freedom and flexibility you need to reach your goals. 

Apply Now Learn More

Get $150. Give $150.1
Or donate $300 by opening a UHCU Checking & Savings Account2

You Get $150: Enjoy a $150 bonus when you open a new Freedom Checking account. We Give $150: UHCU will donate $150 to Central Texas Food Bank for every account opened through this promotion.

We Give $300: UHCU will donate $300 to Central Texas Food Bank for every account opened through this promotion.

Easy and Convenient: Open your account online in just a few minutes.

Open An Account & Get $150

Open An Account and Give $300

This offer is for new members only. Texas residents only.2

Get $150. Give $150.1

You Get $150: Enjoy a $150 bonus when you open a new Freedom Checking account and complete qualifying activities. 

We Give $150: UHCU will donate $150 to Central Texas Food Bank for every account opened through this promotion.

Easy and Convenient: Open your account online in just a few minutes.

Open An Account & Get $150

*This offer is for new members only. Texas residents only.

Donate $300 by opening a UHCU Checking & Savings Account2

You Open a Checking & Savings Account: Open a UHCU using the button below and complete qualifying activities.

We Give $300: UHCU will donate $300 to Central Texas Food Bank for every account opened through this promotion.

Easy and Convenient: Open your account online in just a few minutes.

Open An Account and Give $300

*This offer is for new members only. Texas residents only.

1$150 bonus may be taxable interest. Bonus is paid 30 days after the 90-day promotional period. Must use debit card 20 times over 90-day promotional period, ATM transactions excluded. Must opt-in to e-Statements and set up direct deposit with a minimum of two $500 direct deposits into the Checking Account during 90-day promotional period. Offer valid for online account openings only. Business accounts not eligible. Offer not valid for existing UHCU members. Membership required. 2Texas residents only. See Member Eligibility requirements. This promotion is subject to cancellation or modification at any time, without prior notice. We reserve the right to close the promotion or change its terms and conditions, including but not limited to the eligibility criteria, prize descriptions, and promotion period. If the promotion is canceled or modified, we will make reasonable efforts to notify participants, but we are not responsible for any delays or failures in notification.

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.

*Web BillPay is free when it is actively being utilized. An inactivity fee of $6.95 is assessed if there is fewer than one (1) payment processed during the Web BillPay calendar monthly billing cycle.
**Overdraft Protection is available for all checking accounts from the designated savings account up to the amount of funds on deposit.
***Excludes overdraft transfers.