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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. 
Beware of Wire Fraud NEW

Fraud Alert: We’ve been alerted to several recent wire fraud attempts involving UHCU members. Please use caution when submitting wire requests. Fraudsters are impersonating businesses and even law enforcement.
New Auto Loan? NEW

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4.50% APY on a 11-month Certificate of Deposit
Limited Time Offer - Open by November 30, 2026

4.50% APY on a 11-month Certificate of Deposit

Choosing where to keep your savings is a big decision. At United Heritage, you get a strong CD rate backed by NCUA insurance, clear pricing with no hidden fees, and a team that puts hospitality first. Your money is protected today and growing for tomorrow.

Minimum opening deposit of $1,000 in new money is required. 

Current members can easily open by logging into their Online Banking account or mobile app.

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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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Refinance Auto Loan

Refinance your current loan from another lender with UHCU. If you're looking to lower your auto loan payments, reduce your rate or shorten your term, UHCU may be able to help.

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Young couple planning for their first home purchase with UHCU.Young couple planning for their first home purchase with UHCU.

Home Purchase

Ready to buy a home? Our experienced loan specialists will assist you from pre-qualification to closing, giving you piece of mind. Apply today to take the first step in your home buying journey.

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Refinance your home with United Heritage Credit UnionRefinance your home with United Heritage Credit Union

Refinance Home Loan

Thinking of refinancing your home? We've helped many homeowners discover the benefits of refinancing.

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Home Equity Loans

United Heritage makes getting a home equity loan in Texas simple with competitive rates, low closing costs and customized, flexible terms. Apply online today!

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Membership required. Texas residents may qualify for membership through the Texas Consumer Council. Offer available through November 30, 2026, and may be modified or withdrawn without notice before account opening. *4.50% APY is accurate as of October 28, 2026 and applies to 11-month certificates opened by November 30, 2026. Minimum opening deposit of $1,000 in new money required. New money is defined as funds not on deposit at United Heritage Credit Union as of October 01, 2026. The applicable minimum principal balance must be maintained throughout the term to earn the advertised APY. No monthly maintenance or administrative fees. A penalty may be imposed for early withdrawal and could reduce earnings. Promotional Certificates automatically renew at maturity into a standard 12-month Certificate at the then-current rate unless otherwise directed during the applicable grace period. APY = Annual Percentage Yield. CD = Certificate of Deposit. UHCU policies, terms, conditions and restrictions apply.