We have recently identified an increase in sophisticated wire fraud attempts targeting UHCU members. Please use caution when authorizing wire transfers, initiating electronic fund movements, or making large cash withdrawals. Fraudsters are impersonating well-known corporations, financial institutions, or law enforcement agencies.
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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. 
Beware of Wire FraudNEW

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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Home Equity Line of Credit

Turn Your Home Equity into Cash for Anything You Need

Rates as low as

6.2

%

APR*

Apply Now
Gain access to the cash you need now with a competitive rate and term that fits your goals, with a Home Equity Line of Credit (HELOC). United Heritage makes getting a home equity loan simple with no application fee and no closing costs1. Use your home's equity to free up funds to help finance major expenses – such as tuition payments, home renovations or repairs. If you're looking for a HELOC, UHCU has the solution for you!
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Home Equity Line of Credit (HELOC)

A Home Equity Line of Credit (HELOC) is a variable-rate loan set up as a revolving line of credit. You have access to available loan funds based on an established loan limit using your home as collateral. Funds can be used whenever you want, for whatever you want.
 

UHCU Home Equity Line of Credit Benefits
  • Variable rate
  • Lower initial monthly payments
  • Easy access to funds
  • No pre-payment penalties
  • No annual maintenance fees
  • Use for recurring expenses like education costs or investments

Access the money you need, when you need it.

Apply for a HELOC

We're here for all homeowners.

Considering a HELOC? You've come to the right place. We will walk you through the entire process so you can unlock your home's equity and access your cash for what matters!

Not ready to apply? Set up a personalized HELOC consultation! We'll answer any questions you may have and help you understand what options might work for you.
Get a Personalized Consultation
Common HELOC Uses
We offer HELOC rates as low as 6.2 % APR* Apply Now

Have Questions?

We're here to help.

To speak to a UHCU home loan specialist, give us a call at 512.435.4444.
 
Loan Sales - Submit an application or check on the status of an application for Purchase, Refinance or Cash Out Refinance:
Monday-Friday: 8:00 AM - 6:00 PM
Saturday: 9:00 AM - 2:00 PM
 
Questions on Existing Loans or Equity Access Applications:
Monday-Friday: 8:00 AM - 5:00 PM

 

Membership/Regular Savings account required. *APR = Annual Percentage Rate. APR is subject to underwriting approval and may increase depending on borrower qualification, applicable finance charges or repayment term. 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. 1Closing costs may apply. Applicable Texas Home Lending Rules apply. Equal Housing Opportunity. NMLS #630601