Mark all as read
2026 School Supply Donation Drive NEW

The new school year is fast approaching, and for many families, affording school supplies can be a challenge. United Heritage Credit Union is here to help! We're hosting a School Supply Drive to ensure every child in our community has the tools they need to succeed. Join us in making a difference! Donations accepted at all UHCU branches now until July 31.
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!
Sign In

Welcome Back

 
Forgot password? Forgot username?
Enroll in Online Banking
 
Branch Appointments

More Memories. More Possibilities. 

Fuel your next adventure with 1.5% cash back on qualifying auto loans.*
When Financing with UHCU
Get 1.5% Cash Back, up to $1,500*

When Financing with UHCU

For a limited time only, you can put money back in your pocket this summer when you finance a new or used vehicle with United Heritage, or refinance your auto loan from another lender! Earn up to $1,500 cash back, based on the loan amount. Vehicle loans must have a minimum balance of $10,000 to qualify. Easily apply online to pre-qualify or call us at 512.435.4444.

Auto Purchase Auto Refinance

Add Investment Protection to Your Loan

Members have saved thousands electing additional coverage such as Omni Protect, Vehicle Service Contract (VSC) and Guaranteed Asset Protection (GAP)2 with United Heritage rather than with the dealership! These options are designed to help protect you against the burden of unexpected expenses including costly mechanical breakdown, road hazards, unplanned life events and more. Apply online today to get started or speak to a loan representative at 512.435.4444.

Learn More
Person fixing small dent on car

Car Buying Steps & Tips

Not sure what to expect when buying a car? We can help you every step of the way. The first step is to get organized. Here are the basics in order to feel prepared and take the stress out of the car buying experience dynamic.

Crossing things off lists is our favorite. Go ahead, give it a try.

To Do
Monthly Payment Car Affordability
Monthly Payments $--
Total Cost of Loan $--
Apply Now
You Could Borrow $--
Apply Now

Your monthly payment is based on the net purchase price of the vehicle, the loan term and the interest rate for the loan. Loan amount is based on the net purchase price of the vehicle (plus sales tax) or the vehicle price less any cash rebate, trade-in or down payment. If you have an outstanding balance on the vehicle you trade-in, that amount is added to the price of the vehicle you are purchasing.

The information provided by these calculators is for illustrative purposes only. The default figures shown are hypothetical and may not be applicable to your individual situation. Be sure to consult a financial professional prior to relying on the results. The calculated results are intended for illustrative purposes only and accuracy is not guaranteed.

Auto Loan Calculator

Use our auto calculator to help you estimate your monthly payments or determine how much car you can afford.

Auto Insurance
Cash back offer of 1.5% of the loan amount, up to a maximum of $1,500. Minimum loan amount of $10,000.00 required to qualify. Offer valid for auto loans refinanced from another financial institution and vehicle purchase loans. Existing United Heritage Credit Union auto loans are not eligible. Recreational vehicle loans, including watercraft, ATV, motorsport, and motorcycle loans are not eligible. For new purchases, the 1.5% cash back is calculated based on the purchase price. Cash-back funds will be deposited into a UHCU share account at the time the loan is funded. Loan must remain open for 12 months. If the loan is paid in full within the first twelve (12) months, a prorated portion of the cash-back incentive will be added to the loan payoff amount. The proration is calculated based on the number of full months remaining in the 12-month period at the time of payoff. Offer not valid with any other promotions or offers. Additional terms, conditions, and restrictions may apply. Offer subject to change without notice. Membership Required. Federally Insured by NCUA.