All UHCU branches will be closed on Monday, October 13, in observance of Columbus Day. Branches will be open for normal business hours on Tuesday, October 14.
Members have saved thousands electing additional coverage such as Complete Vehicle Protection (CVP), Vehicle Service Contract (VSC) and Guaranteed Asset Protection (GAP)2 with United Heritage rather than with the dealership! These options are designed to help protect you against the burden of unexpected expenses including costly mechanical breakdown, road hazards, unplanned life events and more. 

Explore our investment protection options below.
Winshield crack

Complete Vehicle Protection

Complete Vehicle Protection (CVP) provides greater coverage for your investment including tire, wheel and rim protection, paintless dent repair and windshield repair options.1

Vehicle Service Contract

A Vehicle Service Contract (VSC) allows you to choose your coverage level, contract length and deductible for protection against many major mechanical breakdowns. Plans feature 24/7 roadside assistance, vehicle rental and trip interruption reimbursement.

Man repairing vehicle
Car accident

Guaranteed Asset Protection

UHCU offers affordable Guaranteed Asset Protection (GAP) for all auto loan types. GAP can cover the difference between the amount you owe on your loan and the insurance payout in the event that your car is totaled, lost or stolen.2

Submit a Claim

To submit a Vehicle Sevice Contact (VSC) or Complete Vehicle Protection (CVP) claim, click the button below.

Auto Loan Insights & Advice

  Step-by-Step Guide: Hail Damage Next Steps
Step-by-Step Guide: Hail Damage Next Steps

A recent hailstorm caused widespread damage to homes and cars in our community. If your home or car was damaged in the storm, you may be wondering what to do next.

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5 Tips for Buying a New Car
5 Tips for Buying a New Car

Whether you're buying a new vehicle or a pre-owned vehicle that’s new-to-you, the experience should feel rewarding. Unfortunately, many people find buying a new car to be stressful. Don't let the negotiation process and fine print prevent you from enjoying your new set of wheels! Consider these tips the next time you're car shopping.

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5 Tips When Researching a New Car
5 Tips When Researching a New Car

Purchasing a new car is a big commitment and can often be the biggest purchase a person makes, after their home. Like buying a home, plenty of research should be done before you consider buying. Being prepared before you walk into a dealership can save you hundreds, if not thousands of dollars.  We’ve gathered 5 top tips to help save you both money and time before you drive away with that new car.

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5 Ways for Austin Drivers to Minimize Auto Expenses
5 Ways for Austin Drivers to Minimize Auto Expenses

Although sitting in traffic can take a toll on the health of your vehicle, following a few simple guidelines can help ensure you're not spending a fortune on your car.

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7 Steps for First-Time Car Buyers
7 Steps for First-Time Car Buyers

Are you a first-time car buyer? Before heading to the dealership, check out these steps on how to best buy a car.

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8 Best Tips for Holiday Road Trips
8 Best Tips for Holiday Road Trips

Road trips - the quintessential American mode of travel that highlights the joys of the holidays like no other activity. It's a tradition, much like listening to your Uncle’s high school football highlights, which can set your teeth on edge. If you are lucky though, you'll have your aunt’s pecan pie to look forward to and make the whole trip worth it. Here are some tips to get you safely to into your relatives’ warm and cozy kitchen.

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Auto Loans 101: How to Navigate the Car Financing Process
Auto Loans 101: How to Navigate the Car Financing Process

Buying a car is exciting and can be overwhelming with choices. Should you buy new or used? Should you get the car from a dealership or via a third party? Should you lease or buy? Do you get those upgrades that you’ve been drooling over since you started car shopping? No matter your choice, UHCU has the right loan to help you drive that dream car home and to do so at a good price.

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Best and Worst Driving Habits – Something for Everyone!
Best and Worst Driving Habits – Something for Everyone!

Americans love their cars, and finding joy in driving seems to be a truly American trait. In most areas in Texas, a personal car is still the easiest way to get around. If you’re one of the millions that drive daily, you’ve probably picked up some habits, good and bad, while behind the wheel. Here are some of the best habits we could all aim for more often, and the worst ones that most of us have been guilty of at one time or another.
 

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Boost Your Auto Buying Power - Get Pre-Qualified
Boost Your Auto Buying Power - Get Pre-Qualified

We’ve mentioned before how getting pre-qualified for an auto loan can increase your buying power, but what does that mean exactly? We’ll outline how doing some planning before you shop can make a big difference when it comes to getting the best rates and payment plans no matter what type of loan you may need.

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Credit Union Auto Loans - More Than Just a Loan
Credit Union Auto Loans - More Than Just a Loan

One of the most exciting parts of shopping for a new car is the seemingly endless options available. You’ve got heated seats, cooled steering wheels and third row options galore, but you also have the option to choose your lender. Financing options are abundant and available through credit unions, banks and even the dealerships themselves, but your best bet is United Heritage Credit Union! Sure, our auto loans offer some of the lowest rates around and we pride ourselves on offering loans that feature flexible terms, but perhaps the best thing about getting an auto loan through UHCU is the fact that you’ll receive our amazing service and a partner for your ongoing financial needs!

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Get the Most Out of Your Auto Loan
Get the Most Out of Your Auto Loan

Car loans are more straight-forward than some might think; you find a car you like and can reasonably afford, you finance the car and drive it off the lot. Sometimes this can happen in the span of just a few hours of your time and your signature. But there are some aspects of the car buying process that are helpful to consider before you whisk away in a bright, shiny new ride. Getting the most from your auto loan is easy with a few steps.
 

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How Much Car Can You Afford?
How Much Car Can You Afford?

January is typically a slower car-buying month, which opens up the opportunity for potential savings. While acting fast can benefit you financially, it's still important to consider all of your options. By doing so, you can likely avoid some common car-buying pitfalls.

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Leasing vs. Purchasing a Car: What You Should Know Before You Start Shopping
Leasing vs. Purchasing a Car: What You Should Know Before You Start Shopping

If you’ve been shopping for a new car or truck, it’s very likely that you’ve seen some great pricing on auto advertisements. Most feel as if they are geared towards buyers with great credit and are often targeted to those who are interested in leasing, not buying. If you are trying to decide between leasing or buying, we’ve pulled together some things to know before you head over to the dealership to be entranced by that new car smell.

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Presidents Day 2021: Get the Best Car Deals
Presidents Day 2021: Get the Best Car Deals

There’s no better way to honor the birth of our first president, George Washington, than to spend a few pieces of paper adorned with his image. And the best place to get the biggest bang for that buck is at a car dealership during the Presidents Day holiday!

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What Happens Next After You Apply for an Auto Loan?
What Happens Next After You Apply for an Auto Loan?

The loan process can seem a little mysterious to potential borrowers; you research loan rates, study different lenders and their loan principles, send in an application and wait for approval. But, what happens behind the scenes once you send in the application? How does a lender decide who gets a loan or who doesn’t? How are interest rate offers determined? Before you set off to buy that new car or refinance an existing loan, here are some things about the loan process that might be helpful.

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Tips for Buying Your First Car
Tips for Buying Your First Car

Buying your first car is exciting, but can also be a bit nerve-racking.  With a little planning and a bit of research, you can make the process easier and faster. Doing some homework before you head out to shop can save you both time and money. 

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Winter is Coming: Prepping Your Car for Cold Weather
Winter is Coming: Prepping Your Car for Cold Weather

Although winter temperatures in Texas are generally mild in comparison to northern areas of the country, we’ve been known to have a few cold snaps that could leave some drivers unprepared.  Cooler weather will be here before we know it and it’s better to know that your car is ready for the change in temperature before you’re stuck dealing with it on a cold miserable, icy day.  Here are five things you should consider doing before the weather changes.

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1Tire, Wheel & Rim Protection does not cover the repair of cosmetic damage for tire, wheels, and/or rims. Additional exclusions may apply.
2Coverage only offered in conjunction with a new loan. Not all vehicles are eligible for coverage. Coverage exclusions may apply. Vehicle Service Contracts (VSC) may be available on exisiting loans if vehicle qualifies.