Welcome to Texas!

You've 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 7.06 % 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.


We offer auto loan rates as low as 5.24 % Apply For An Auto Loan
Banking on the Go

Banking on the Go

We provide our members with convenient ways to manage their accounts anywhere, any time. Whether you’re at home or on the go, we have a solution for you. It’s safe, secure and easy. Online and Mobile Banking lets you easily view your accounts, schedule bill payments and much more. Online and Mobile Banking is there to provide access to your money 24 hours a day, 7 days a week.

Start banking online or via mobile today.

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.