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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. 
Our Southwest Branch Drive-Thru Services are Changing NEW

Effective Monday, May 19, 2025, the drive-thru teller services at our Southwest Branch will no longer be available. Our lobby and 24/7 drive-up ATMs remain ready to serve you! Click here for more information.
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Welcome to Texas!

You found your new city. Now let's find your new place to bank.

It's no surprise to us that so many people are moving to Austin, Texas. This is our home - and we love it. From the friendly faces to the one-of-a-kind culture, Austin is a truly special place. If you're planting roots in or around Austin, you've made a good choice. 

United Heritage would love to fit in to your plans to start your home here. Whether you need banking services, a new car, a new home, or anything in between - we have the resources you need to make your move as seamless as possible.
 

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Where to Live Near Austin

Check out our interactive guide for areas around Austin to live. Start Looking
We offer home loan rates as low as 6.153 % APR* Apply Now
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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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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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New/Used Auto Loan Rates

APR Term
as low as 4.99% - 6.25% 12 to 84 Months


 

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
Where you bank matters.

Texas Proud.

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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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30,000 Free ATMs

Don't be fooled. Just because we're not a national bank it doesn't mean we don't have a national presence.

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Branch Services

We provide our members with the most convenient services possible.

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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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Local Focus

We are here for Texas. Banking with UHCU is an investment in the community. We're focused on Texas, not Wall Street.

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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.

Membership/Savings account required. Membership is open to those who live, work, attend school or own a business in one of the following counties: Bastrop, Bell, Blanco, Burnet, Caldwell, Hays, Lee, Milam, Travis, Williamson, Cherokee, Gregg, Henderson, Rusk, Smith, Upshur, Van Zandt or Wood, or if someone in your family is a member of UHCU or you are an existing member of or agree to join the Texas Consumer Council (TXCC). Compliance with our Identification Policy is required to open a new account. United Heritage policies, terms, conditions and restrictions apply. Rates and fees subject to change without notice. *APR applies to well-qualified borrowers. APR dependent on collateral, loan amount, credit and term selected.