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$10,000 UHCF Scholarship Application Open to High School Seniors NEW

Applications for the 2025 United Heritage H. Ralph Wilburn Memorial $10,000 Scholarship are being accepted until Monday, March 31, 2025. Two seniors will be chosen to each win a $10,000 scholarship towards higher education.
New Blog - Mortgage Rate Just Dropped NEW

With interest rates lower than they've been in months, purchasing a home now could help lock in a lower monthly payment for years to come. Whether you're looking for more space, relocating to a new area, or investing in property, securing a favorable mortgage rate now could lead to significant long-term savings. Read more in our new blog!
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Don't settle for your banking needs.

At United Heritage Credit we bring no drama banking, that fits wherever you are in life. From building your savings account to tackling student loan debt, you'll fall in love with our exceptional service, and options for every step in your financial journey.

Open an account today and find your perfect banking match.

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Stress Less About Paying For College.

Student Loans

UHCU’s in school loan helps undergraduates and graduates pay the full cost of attendance. Get a credit decision in minutes and invite a cosigner in seconds.

  • Fully deferred, interest only or immediate repayment options
  • Borrow from $3,000 to $150,000
  • .25% discount for automated payment deduction
  • Cosigner release after 36 on-time payments
  • Receive real-time updates on your application via text

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Download the UHCU Mobile App

Access your account anytime, anywhere from your mobile device. The UHCU Mobile App allows you to bank on your schedule, from home or on the go, with United Heritage.

Available Features
  • Deposit checks
  • Pay bills
  • Make transfers
  • Make loan payments
  • Review transactions
  • Locate branches/ATMs
  • Connect to your Apple Watch

The UHCU Mobile App is a free download for Apple® iPhone, iPad, iPod Touch or Android™ mobile devices.

Download the UHCU Mobile App today! Click on the icons below to get started.

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Download the UHCU Mobile App
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What Else Can We Help With??

If you need a loan, we've got you covered.

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Buy or Refinance a Vehicle

Our Auto Loans come standard with low rates, personalized service and more. If you're thinking about buying a car or refinancing your current one, this is the place to start.
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Buy a House

We take the headache out of getting a home loan. With competitive rates and personalized service, we’re here to make financing your home as simple as possible.
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Get Money Out of Your House

Use your home's equity to free up funds to help finance major expenses – such as tuition payments, debt consolidation, home renovations or repairs. If you're looking for a HELOC, UHCU has the solution for you!
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Our goal is to provide you with personalized service that meets your needs. In order to provide our members with the most convenient services possible.

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Membership/Regular or Student Savings required. Regular Savings account required for all checking accounts. Par value of one share is $1. Programs (including, without limit, fees, rates and features) subject to change without notice. See Fee Schedule for applicable fees.  See Member Eligibility requirements.

Instant Issue Visa® Debit Card: Get an Instant Issue Visa® Debit Card for just $5. Daily transaction limits applied to Teen Checking account debit cards. Copies of cleared checks endorsed within 18 months of request date are free via Online Banking.
*Web BillPay is free when it is actively being utilized. An inactivity fee of $6.95 is assessed if there is fewer than one (1) payment processed during the Web BillPay calendar monthly billing cycle.
**Overdraft Protection is available for all checking accounts from the designated savings account up to the amount of funds on deposit.
 ***Excludes overdraft transfers.
 ****United Heritage makes your pay available as soon as it is received, which in many cases can be up to two days before your scheduled payday. Employers control the timing of providing their payroll funds to United Heritage. Early deposit of your payroll is not guaranteed.