All UHCU branches will be closed on Monday, October 10, in observance of Columbus Day. Branches will be open for normal business hours on Tuesday, October 11.

Loans for Every Need

Because helping you realize your goals is important to United Heritage Credit Union, we offer a variety of flexible borrowing options. And as a not-for-profit financial cooperative, we are able to offer you low interest rates, resulting in serious savings throughout the life of your loan.
Act now to lock in a rate as low as 3.64 % APR* Apply Now
We offer home loan rates as low as 5.192 % APR* Apply Now
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Vehicle Loans

When you finance your vehicle with UHCU, you get the best of both worlds - low rates and exceptional service. 

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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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Personal Loans

Apply today for a UHCU Personal Loan - a great option if you need extra money for debt consolidation, cash management or unplanned expenses.

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Business Loans

Whether it's a commercial real estate loan or opening a line of credit, we'll work with you to develop the solution that's best for you.

Looking for other rates?

If you're looking for Checking, Savings and Investments, or Business Rates, please visit our Rates and Fee Schedule.



Membership/Regular Savings account required. Limited time offer. United Heritage policies, terms, conditions and restrictions apply. Offers not eligible on existing United Heritage loans. Rates and fees subject to change without notice. *APR applies to well-qualified borrowers. APR dependent on collateral, loan amount, credit and term selected. Cash out is a 50(a)(6) first lien only. Closing costs apply. Equal Housing Opportunity. NMLS #630601;