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Navigating a government shutdown can be stressful, especially when it impacts your finances. United Heritage Credit Union is here to support you during this uncertain time. We've created special assistance programs to help our members who may be affected by a disruption in pay.

The government shutdown will not affect United Heritage Credit Union, access to your funds on deposit or the federal insurance protecting your funds at United Heritage Credit Union. 
We're offering solutions to help you bridge the gap and keep finances on track.
Loan Assistance Program

We're offering solutions to help you bridge the gap and keep finances on track.

We understand the financial impact the government shutdown may have on your family and we are here to assist you as you navigate this situation.

If you need loan related help relevant to the shutdown, the quickest way for us to assist you is by completing the form below for the following loan types:

Auto Loans | Personal Loans | Boat, Motorcycle & RV Loans

  • Loan Extension: Eligible members with existing loans can take advantage of a two-month extension on eligible payments.
  • Interest Free Loan: Eligible members can also utilize a 90-day interest free loan, up to 2 pay periods of net pay ($7500 maximum)

Complete Form

You May Be Eligible If

You may be eligible for financial assistance if you meet the following criteria.

Borrower must provide furlough documentation and one month worth of paystubs
Do you meet this criteria?

Home Loans

If you need help related to your home loan, please give us a call and press 4020 to reach the appropriate team. The form below does not apply to real estate related loans.

512.435.4545 (Austin) | 903.597.7484 (Tyler) | 800.531.2328 (Toll-Free)
 


Submit Your Information Below

A UHCU representative will reach out soon to discuss your assistance options and help you through the process.

Please note that our loan representatives are available during business hours Monday through Friday. If you submit a request on Saturday or Sunday, a representative will review and reach out early the following week.

LOAN EXTENSION: Membership is required. United Heritage policies, terms, conditions and restrictions apply. Leased Automobiles, Real Estate, Student, and Business Loans are not eligible. All UHCU accounts must be in good standing. Loan extension is added to the end of the loan term which extends the loan term at least one payment. Loan interest continues to accrue which increases the amount of interest paid over the term of the loan. Multiple extensions applied to any loan extends the repayment term of the loan by multiple payments and increases the interest paid over the term of the loan. In the event of a claim, Guaranteed Asset Protection (GAP) may be affected. For a skipped payment, a $30 fee is added to the applicable loan's outstanding principal balance. Skipped payments must be submitted at least 5 days before the requested skip loan due date.

90-DAY NO INTEREST LOAN: Membership/Regular Savings account required. Limited time offer. United Heritage policies, terms, conditions and restrictions apply. Rates and fees subject to change without notice. Leased Automobiles, Real Estate, Student, and Business Loans are not eligible. All UHCU accounts must be in good standing. No payments required for 90 days. Introductory 0.00% APR for the first 90 days (no interest charged during this period). After 90 days, the loan converts to a 6-month term at a fixed APR between 10.69% and 15.69% based on your credit qualifications. No pre-payment penalty.