All UHCU branches and our Contact Center will be closed on Monday, January 19, in observance of Martin Luther King, Jr. Day. Branches will be open for normal business hours on Tuesday, January 20.
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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!
Our Southwest Tyler Branch is Now Open NEW

We’re excited to share that United Heritage Credit Union’s Southwest Tyler branch is officially open and ready to serve our members at 7586 Old Jacksonville Hwy. Tyler, TX 75703.
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Branch Appointments
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You Earn $150. We Donate $150.

You Earn $150: Enjoy a $150 bonus when you open a new Freedom Checking account and complete qualifying activities.
We Donate $150: UHCU will donate $150 to People Attempting to Help (PATH) 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. We Donate $300.

You Open a Checking Account: Open your account using the button below and complete qualifying activities.
We Donate $300: UHCU will donate $300 to People Attempting to Help (PATH) for every account opened through this promotion.
Easy and Convenient: Open your account online in just a few minutes.

Open Your Account Online
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PATH logo

PATH

 People Attempting To Help (PATH), launched its mission in 1985 to serve hardworking East Texas families with compassion and support during difficult times.

PATH continues to serve as a vital bridge between the generosity of individuals with abundant resources and struggling neighbors in need. Each year, PATH volunteers and staff embody their faith by serving over 25,000 individuals from Smith County and surrounding areas through personalized programs and services. Every person seeking assistance meets privately with a Case Worker trained to listen, provide encouragement, and connect families to resources—whether through PATH or other community partners.

Learn More

How to get your $150 bonus:

1. Open

Become a member by opening a Freedom Checking account from this offer webpage by January 30, 2026.

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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.
 

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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 People Attempting to Help (PATH) 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!

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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

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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
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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
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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.

 

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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
$150 bonus may be taxable. Whether you choose to receive the $150 bonus or have the full $300 amount donated to charity on your behalf, you must meet all account qualification requirements. The 90-day promotional period begins upon account funding. Qualifications include: using your debit card 20 times during the 90-day promotional period (ATM transactions excluded); opting in to e-Statements; and setting up direct deposit with a minimum of two $500 direct deposits into the Checking Account during the 90-day promotional period. The bonus payout and/or charitable donation is fulfilled 30 days after the promotional period ends.

Offer valid for online Checking Accounts and Checking Accounts opened at the Southwest Tyler location between January 12, 2026 and January 30, 2026. Business accounts not eligible. Offer not valid for existing UHCU members. Membership required. Texas 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.

***Excludes overdraft transfers.