At United Heritage Credit Union, we understand banking looks different for every stage of life. No matter when that stage is for you, we’ll be here. Easily apply and open your UHCU accounts online today, and gain the benefits of UHCU membership!

Fun fact: We have been the Texas Hospital Association credit union since 1989.

Become a member today!

Open An Account

Explore the benefits of banking with UHCU

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?

Student Loan Refinance

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. Whether you want to reduce your payment, lower your interest rate or just combine all your loans to make life a little simpler, UHCU education refinance loan is a simple, straightforward solution.

  • Repayment terms of 5, 10 and 15 years
  • Borrow from $10,000 to $250,000
  • .25% discount for automated payment deduction
  • Cosigner release after 36 on-time payments
  • Complete your entire application in minutes on your phone, tablet or laptop or start on one device and finish on another.

VISA Debit Cards

VISA Debit Cards

EMV Chip

UHCU VISA Debit Cards are EMV Chip Debit Cards with embedded microchips for more secure transactions. For more information about EMV cards, check out the EMV Cards: What You Need to Know post on the United Heritage Blog.

Debit Card Features

Customize Your Design

A nice feature of our Debit Cards is that you can choose your own design. From Texas scenery to fields of bluebonnets, we've got a design for you.

Pause Your Card

Misplaced your UHCU Visa Debit Card? Temporarily pause your card online or through your mobile app if you need to locate it or order a new one. You can also pause your card when it's not in use to prevent fraud. It's a convenient option to provide you with peace of mind.

Checking debit card account online.
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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!

Download the UHCU Mobile App

Access your account anytime, anywhere from your mobile device. The UHCU Mobile App allows you to bank on your schedule, from home or on the go, with United Heritage.

Available Features
  • Deposit checks
  • Pay bills
  • Make transfers
  • Make loan payments
  • Review transactions
  • Locate branches/ATMs
  • Connect to your Apple Watch

The UHCU Mobile App is a free download for Apple® iPhone, iPad, iPod Touch or Android™ mobile devices.

Download the UHCU Mobile App today! Click on the icons below to get started.

Download the UHCU Mobile App
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Vehicle Loans

When you finance your vehicle with UHCU, you get the best of both worlds - low rates and exceptional service. 

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Home Loans

United Heritage is your new address for low mortgage rates in Austin & Tyler, Texas. Let us help you find the perfect home loan. Apply online today!

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Certificates of Deposit

Certificates of Deposit (CDs) from UHCU are a smart and easy way to make money while saving money. Learn more about our CD program and open one today.

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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. 

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.
****United Heritage makes your pay available as soon as it is received, which in many cases can be up to two days before your scheduled payday. Employers control the timing of providing their payroll funds to United Heritage. Early deposit of your payroll is not guaranteed.
United Heritage’s student loan program is offered through partnership with CURevl and is not a federal student loan program. Rates and Terms