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2026 Observer Volume 1 NEW

The 2026 Observer Volume I covers the updates to our Southwest Tyler Branch, Board election notice, information about our Gears and Giving event, updates to our Parmer Branch, and more!
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

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Worried rates might drop after you buy?

Timing the housing market can be stressful, waiting for the "perfect" rate often means missing the right home. UHCU's Rate Reset gives you the best of both worlds: the confidence to buy or refinance today, and the flexibility to lower your rate later*.

Unlike typical "free refinance" promises that come with hidden costs or higher interest rates, UHCU's Rate Reset is simple and transparent. When rates go down, just let us know. We'll adjust your rate at no cost, and without the hassle of a full refinance**. 

UHCU's Rate Reset Mortgage Takes the Pressure Off

When rates drop, simply contact us to "press the reset button" and lower your mortgage rate. No traditional refinance required.
Reset Your Rate Within 24 Months and Enjoy
Monthly Payment Home Affordability
Monthly Payments $--
Total Cost of Loan $--
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You Could Borrow $--
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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.

Mortgage Calculator

Whether this is your first time buying a house or you're a seasoned pro, using a mortgage calculator to estimate monthly payments and what you can afford (or are comfortable paying), is always a good idea. Try out some numbers in our helpful calculator to get started!

I Have Some Questions

Frequently Asked Questions

Do I have to attend another closing?

No. You'll just sign a few brief modification documents electronically. No need for an in-person closing.

Will my credit score or income be rechecked?

No. Because this is a rate modification, not a refinance, you won't need another credit pull, appraisal, or income verification.

What if I want to pay off my loan early?

There are no prepayment penalties, so you can pay off your loan anytime without extra costs.

How is this different from a "free refinance"?

Most "free" refinances still include hidden costs or rolled-in fees. UHCU's Rate Reset truly reduces your rate, with zero out-of-pocket costs or balance increases.

When can I request a Rate Reset?

You're eligible for a Rate Reset 6 months after the loan funding. 

How much can I save with a Rate Reset?

Potential savings depend on rate changes, but many members save thousands over the life of their loan, without spending a dime to refinance.

What type of loans qualify?

The Rate Reset Loan is available for 30-year fixed loans on primary residences only (with origination balances under $832,750). It is not available for cash-out refinances or other terms. Jumbo loans don't qualify.

*APR = Annual Percentage Rate. Membership/Regular Savings account required. Limited time offer. United Heritage policies, terms, conditions and restrictions apply. Existing United Heritage loans not eligible. Rates and fees subject to change without notice. APR is subject to underwriting approval and may increase depending on borrower qualification, applicable finance charges or repayment term. Closing costs apply. *Various loan programs are subject to borrower qualification. NMLS #630601. Licensed Mortgage Loan Originators
If eligible, the Rate Reset works by reducing the existing interest rate applicable to your loan by a calculated amount based on current United Heritage rates, resulting in a new reduced rate. To be eligible to exercise the Rate Reset option and receive a reduction to the interest rate on your loan, you must meet all the following criteria: (1) You must contact us and request the Rate Reset option, (2) the eligible Rate Reset for your loan must be at least 0.25% lower than your current rate when you request to exercise the Rate Reset, (3) your loan must be current with no payments that have been 30 days late or more in the life of the loan, (4) you have made at least 6 consecutive monthly payments, which includes principal, interest, taxes, and insurance on your loan since closing, (5) you have not filed for bankruptcy protection with in the life of the loan, (6) your loan is not in an active loss mitigation option, process or consideration, and (7) there have been no transfers of ownership and you continue to own the property.