Checking Rates
Better benefits, fewer restrictions. Easily compare our checking accounts to find the one that works for you.
Effective 7/31/2025Freedom Checking
Teen Checking
VIP Money Market
Balance to Earn Dividends
N/A
N/A
$2,500–$9,999
$10,000–$24,999
$25,000–$99,999
$100,000 and above
Dividend Rate
N/A
N/A
0.10%
0.15%
0.30%
0.40%
Annual Percentage Yield
N/A
N/A
0.10%
0.15%
0.30%
0.40%
Minimum to Open
$0
$0
$2,500
$2,500
$2,500
$2,500
Minimum Balance
N/A
N/A
$2,500
$2,500
$2,500
$2,500
Rates and annual percentage yields are subject to change at any time.
Checking account dividends are compounded monthly.
Fees may reduce earnings.
See Fee Schedule for applicable fees.
Loan Rates
Home Loan Rates
| APR |
|---|
| as low as 6.153% |
Learn More
New/Used Auto Loan Rates
| APR | Term |
|---|---|
| as low as 3.99% - 5.95% | 12 to 84 Months |
Learn More
At United Heritage, we pride ourselves on providing our members with competitive rates on a wide range of loan options. The best way to obtain the most recent rates is to call one of our Loan Specialists today.
Our knowledgeable and experienced staff will work hard to help you find the rate and term that best fits your needs. With one simple call you can take advantage of our competitive loan rates and multiple terms.
Finding the right rate is worth the call. Call our Loan Center direct line for loan rate information today — 512.435.4444, 903.597.7484 or 800.531.2328 x4444.
Home Loans: APR = Annual Percentage Rate. Limited time offer. United Heritage policies, terms, conditions and restrictions apply. Existing United Heritage loans not eligible. Rates & fees subject to change without notice. Membership required. APR is subject to underwriting approval and may increase depending on borrower qualification, applicable finance charges or repayment term. Cash out Home Equity is a 50(a)(6) first lien only. Closing costs apply. A fee of up to $39.51 may be assessed on credit reviewed applications regardless of loan funding.
NMLS #630601
Licensed Mortgage Loan Originators
Auto Loans: 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.
Savings Rates
With a variety of options, our Savings products help you reach your goals. Higher yield savings accounts begin at UHCU.
Effective 7/31/2025| Regular Savings* | Special Savings* | Student Savings* | Holiday Savings* | |
|---|---|---|---|---|
| Balance to Earn Dividends | $100 – $1,999; $2,000 and above |
$100 – $1,999; $2,000 and above |
N/A | $5 |
| Dividend Rate | 0.20%; 0.15% | 0.20%; 0.15% | 0.25% | 0.25% |
| Annual Percentage Yield | 0.20%; 0.15% | 0.20%; 0.15% | 0.25% | 0.25% |
| Minimum to Open | $1 | $1 | $1 | $5 |
| Minimum Balance | $1 | N/A | N/A | N/A |
Membership/Regular Savings account required for all Savings accounts, CDs and IRAs.
Dividend rates and annual percentage yields are subject to change at any time.
Fees may reduce earnings.
See Fee Schedule for applicable fees if balance drops below minimum.
Investment Rates
With a variety of options, our Investment products help you reach your goals. Higher yield investment accounts begin at UHCU.
Effective 7/31/2025
Independence Account
Effective 7/31/2025
| Balance | APY | Dividend Rate | Dividend Pay & Compound | Minimum to Open | Minimum Balance |
|---|---|---|---|---|---|
| $100 – $4,999 | 0.25% | 0.25% | Monthly | $100 | $100 |
| $5,000 – $9,999 | 0.40% | 0.40% | Monthly | $100 | $100 |
| $10,000 and above | 0.60% | 0.60% | Monthly | $100 | $100 |
Dividend rates are compounded monthly. 30-month investment term.
Membership/Regular Savings account required for all Savings accounts, CDs and IRAs.
Dividend rates and annual percentage yields are subject to change at any time.
Accounts (IRAs) are compounded quarterly.
Fees may reduce earnings.
Early withdrawal subject to loss of dividends.
See Fee Schedule for applicable fees if balance drops below minimum.
Fixed-Rate Certificate of Deposit
Effective 7/31/2025
| Term | APY | Dividend Rate | Dividend Pay & Compound | Minimum to Open | Minimum Balance |
|---|---|---|---|---|---|
| 3 Months | 0.600% | 0.599% | N/A | $1,000 | $1,000 |
| 6 Months | 3.250% | 3.211% | N/A | $1,000 | $1,000 |
| 12 Months | 3.850% | 3.796% | Quarterly | $1,000 | $1,000 |
| 18 Months | 3.750% | 3.698% | Quarterly | $1,000 | $1,000 |
| 24 Months | 3.750% | 3.698% | Quarterly | $1,000 | $1,000 |
| 36 Months | 3.300% | 3.260% | Quarterly | $1,000 | $1,000 |
| 48 Months | 3.200% | 3.162% | Quarterly | $1,000 | $1,000 |
| 60 Months | 3.100% | 3.065% | Quarterly | $1,000 | $1,000 |
Three month Certificate of Deposits (CDs) are not compounded. Dividends are credited at maturity. All other CDs are compounded quarterly.
Membership/Regular Savings account required.
Dividend rates and annual percentage yields are subject to change at any time.
Fees may reduce earnings.
Early withdrawal subject to loss of dividends.
See Fee Schedule for applicable fees if balance drops below minimum.
Fixed-Rate Individual Retirement Account
Effective 7/31/2025
| Term | APY | Dividend Rate | Dividend Pay & Compound | Minimum to Open | Minimum Balance |
|---|---|---|---|---|---|
| 12 Months | 3.850% | 3.796% | Quarterly | $1,000 | $1,000 |
| 18 Months | 3.750% | 3.698% | Quarterly | $1,000 | $1,000 |
| 24 Months | 3.750% | 3.698% | Quarterly | $1,000 | $1,000 |
| 36 Months | 3.300% | 3.260% | Quarterly | $1,000 | $1,000 |
| 48 Months | 3.200% | 3.162% | Quarterly | $1,000 | $1,000 |
| 60 Months | 3.100% | 3.065% | Quarterly | $1,000 | $1,000 |
Membership/Regular Savings account required.
Dividend rates and annual percentage yields are subject to change at any time.
Individual Retirement Accounts (IRAs) are compounded quarterly.
Fees may reduce earnings.
Early withdrawal subject to loss of dividends.
See Fee Schedule for applicable fees if balance drops below minimum.
Individual Retirement Account Variable Rate
| Term | APY | Dividend Rate | Dividend Pay & Compound | Minimum to Open | Minimum Balance |
|---|---|---|---|---|---|
| N/A | 0.35% | 0.35% | Quarterly | N/A | N/A |
Membership/Regular Savings account required.
Dividend rates and annual percentage yields are subject to change at any time.
Individual Retirement Accounts (IRAs) are compounded quarterly.
Fees may reduce earnings.
See Fee Schedule for applicable fees if balance drops below minimum.
Homebuyer Savings Rates
Effective 7/31/2025
| Balance | APY | Dividend Rate | Dividend Pay & Compound | Minimum to Open | Minimum Balance |
|---|---|---|---|---|---|
| $100 – $4,999 | 0.25% | 0.25% | Monthly | $100 | $100 |
| $5,000 – $9,999 | 0.40% | 0.40% | Monthly | $100 | $100 |
| $10,000 and above | 0.60% | 0.60% | Monthly | $100 | $100 |
Dividend rates are compounded monthly. 30-month investment term.
Membership/Regular Savings account required for all Savings accounts.
Dividend rates and annual percentage yields are subject to change at any time.
Fees may reduce earnings.
Early withdrawal subject to loss of dividends. *No early withdrawal penalty if wired to a title company.
See Fee Schedule for applicable fees if balance drops below minimum.
Homebuyer Savings Account: Dividend rates are compounded monthly. 30-month investment term. *No early withdrawal penalty if wired to a title company.
Fixed-Rate Certificate of Deposits (CDs): Three month CDs are not compounded. Dividends are credited at maturity. All other CDs dividends are compounded quarterly.
Individual Retirement Accounts (IRAs): Dividends are compounded quarterly.
Membership/Regular Savings account required for all Savings accounts, CDs and IRAs.
Dividend rates and annual percentage yields are subject to change at any time.
Fees may reduce earnings.
Early withdrawal subject to loss of dividends.
See Fee Schedule for applicable fees if balance drops below minimum.
Business Rates
Better banking options for your business. Your small business deserves the best products and services available.Effective 7/31/2025
Business Savings
Business Savings
Basic Business Checking
Classic Business Checking
Analysis Business Checking
Balance to Earn Dividends
$250–$1,999
$2,000 and above
N/A
N/A
Earnings Credit based on 90-Day T-Bill
Dividend Rate
0.20%*
0.15%*
N/A
N/A
Earnings Credit based on 90-Day T-Bill
Annual Percentage Yield
0.20%*
0.15%*
N/A
N/A
Earnings Credit based on 90-Day T-Bill
Minimum to Open
$1
$1
$100
$100
$100
Minimum Balance
$1
$1
$1,000
$5,000
$0
For dividend computation refer to your business account agreement. All accounts are variable-rate accounts except those specifically indicated as fixed-rate accounts. Dividend rates and annual percentage yields are determined by the Board of Directors and are subject to change at any time.
Programs (including, without limit, fees, rates and features) subject to change without notice.
Business Savings account dividends are compounded quarterly.
Fees may reduce earnings.
See Business Fee Schedule for applicable fees if balance drops below minimum.
Earnings Credit: Based on 90-day T-Bill applied to the average/investable available balance of qualified Business Checking accounts.
See Business Fee Schedule for applicable fees.
Fee Schedule
Effective 5/1/2025
Checking & Savings | Cash Processing | VISA Debit & ATM Card | Miscellaneous | Draft and Collection Services | Safe Deposit Box Rentals
Checking & Savings Fees
| VIP Money Market (below $2,500 minimum) | $10 per month |
|
VIP Money Market (clear more than three (3) VIP Money Market checks per month) |
$1 per check |
| Printed Personal Checks (60 duplicate checks) | $26 and up |
| Non-Sufficient Funds (NSF) (Check, ACH) | $28 |
| Courtesy Pay -- (ACH, Check, Debit)1 | $28 |
| Overdraft Transfer Fee | $2 |
| Re-post Overdraft | $28 |
| Stop Payment | $5 |
| Returned Item (personal check) | $25 |
| Returned Item (other item) | $15 |
| Returned Statement Processing | $5 |
| Paper Statements4 | $5 |
| Premier Perks2 | $5.95 per month |
Cash Processing
| Cash Processing Change Order: Outgoing Currency | $.08 per strap |
| Cash Processing Change Order: Rolls of Coins | $.08 per roll |
VISA® Debit & ATM Card Fees
| VISA® Debit Card(s) (new & reissues) | $5 |
| Card Replacement | $5 |
| Metal VISA® Debit Cards(s) (new) | $35 |
| Metal VISA® Debit Cards(s) (replacement) | $50 |
| Debit Card Rush Delivery | $100 |
| ATM Transaction (non-United Heritage or Austin ATM Alliance machine) | $1 |
Miscellaneous Fees
| Web BillPay (Minimum of 1 payment during a calendar month) | FREE! |
| Web BillPay (Less than 1 payment during calendar month) | $6.95 per month |
| Official Check (member) | $5 |
| Official Check (non-member) | $10 |
| Money Orders | $3 |
| Outgoing Wire Fee (Branch) | $20 |
| Outgoing Wire Fee (Online) | $10 |
| Incoming Wire Fee | $0 |
| Check by Phone | $7.50 |
| Check Cashing | 1% of check; $2 minimum3 |
| Research (per hour) | $20 |
| Legal Process (i.e. Levies, Garnishment) | $50 + cost |
| Account Reconciliation (per hour) | $10 |
| Statement Copy (per statement) | $4 |
| Cleared Check Copy (past 18 months of endorsement) | $3 |
| Overdrawn Debit | $28 |
| Savings Account Closure (within 90 days of open date) | $10 |
| Safe Deposit Box Lock Replacement/Drilling | $175 |
| Drive-thru Carrier | $100 |
| Coin Counting (self-service) | 5% > $200.00 |
Draft & Collection Services
| Incoming | $2 |
| Outgoing | $2 |
| International | $2 plus costs |
Safe Deposit Box Rentals (Annually)
| 3" X 5" | $27 |
| 3" X 10" | $45 |
| 5" X 5" | $40 |
| 5" X 10" | $70 |
| 10" X 10" | $100 |
Pre-Paid VISA Card Fee Schedule (PDF)
1 Available to qualifying members.
2 Membership required. Must be at least 18 years of age. Value and savings based on member usage. Conditions and restrictions apply.
3 Applies to accounts with balances less than $100.
4 Consumer accounts held by members aged 65 and older, as well as accounts established for minors, are exempt from the monthly paper statement fee.
This fee schedule sets forth certain fees and charges and is incorporated as part of your account agreement with United Heritage. Any fees or charges assessed to us for an extra service or special handling of your account will be passed on to you. All fees are assessed at the time of service and deducted from your account. Fees are subject to change at any time.
Business Fee Schedule
Effective 7/1/2025
Business Checking & Savings | Data & Collection Services | Cash Processing | Business VISA® Debit Card | Miscellaneous
Business Checking & Savings Fees
| Basic Business Checking: Monthly fee if balance is below the $1,000 minimum Maximum Debits2 or Deposits3 per month before incurring a fee Fee per Debit2 or Deposit3 above the maximum |
$6 50 $0.25 |
| Classic Business Checking: Monthly fee if balance is below the $5,000 minimum Maximum Debits2 or Deposits3 per month before incurring a fee Fee per Debit2 or Deposit3 above the maximum |
$10 250 $0.25 |
| Analysis Business Checking: Monthly fee4 Debit2 Deposits3 |
$12.50 $0.10 per debit $0.12 per deposit |
| VIP Money Market (below $2,500 minimum) | $10 per month |
| VIP Money Market (clear more than three (3) VIP Money Market checks per month) | $1 per check |
| Printed Business Checks (packages available) | $65 and up |
| ACH Origination | $3 |
| Overdraft Transfer (from deposit account) | $2 |
| Re-post Overdraft | $28 |
| Stop Payment | $5 |
| Non-Sufficient Funds (NSF) Check, ACH | $28 |
| Courtesy Pay - ACH, Check, Debit | $28 |
| Paper Statements | $5 |
| Returned Item (business check) | $25 |
| Returned Item (other item) | $15 |
| Returned Statement Processing | $5 |
Data and Collection Services
| Incoming | $2 |
| Outgoing | $2 |
| International | $2 plus costs |
Cash Processing
| Bulk Coin Deposits: Full Fed Bag | 5% > $200.00 |
| Bulk Coin Deposits: Mixed denomination/partial bag | 5% > $200.00 |
| Change Orders: Outgoing Currency | $.08 per strap |
| Change Orders: Rolls of Coins | $.08 per roll |
| Deposit Bags: Locked zipper bags | $15 per bag |
| Deposit Bags: Zipper bags | $2.50 per bag |
| Branch/Night Drop Deposits: Cash deposited (after first $10,000) | $.10 per $1,000 |
| Deposit Correction Fee | $.20 per item |
Business VISA® Debit Card
| Business VISA® Debit Card(s) (new & reissues) | $5 |
| Card Replacement | $5 |
| Metal VISA® Debit Card(s) (new & reissue) | $35 New $50 Replacement |
| Debit Card Rush Delivery | $100 |
| ATM Transaction (non-United Heritage or Austin ATM Alliance machine) | $1 |
Miscellaneous Fees
| Official Check (member) |
$5 |
| Official Check (non-member) | $10 |
| Money Order (each) | $3 |
| Outgoing Wire Fee (Branch) | $20 |
| Outgoing Wire Fee (Online) | $10 |
| Incoming Wire Fee | $0 |
| Check by Phone | $7.50 |
| Check Cashing | 1% of check; $2 minimum |
| Legal Process (i.e. Levies, Garnishment) | $50 + cost |
| Research (per hour) | $20 |
| Account Reconciliation (per hour) | $10 |
| Statement Copy (per statement) | $4 |
| Cleared Check Copy (past 18 months of endorsement) | $3 |
| Overdrawn Debit | $28 |
| Business Savings Account Closure (within 90 days of open date) | $20 |
| Drive-thru Carrier | $100 |
| Coin Counting (self-service) | 5% > $200.00 |
Pre-Paid VISA Card Fee Schedule (PDF)
This fee schedule sets forth certain fees and charges and is incorporated as part of your account agreement with United Heritage. Any fees or changes assessed to us for an extra service or special handling of your account will be passed on to you. All fees are assessed at the time of service and deducted from your account. Fees are subject to change at any time.
1All business checking accounts have a minimum opening balance of $100
2Debits are any withdrawals on the account through Draft, Credit Card, Debit Card, ACH, POS, ATM or Check
3Deposits are any funds added to the account by ACH, Payroll, Check, Cash, or Bulk Deposit (each check within a bulk deposit is considered a single 'item')
4Earnings Credit is based on the 90 Day T-Bill applied to the average/investable available balance of a qualified analysis business checking account. Earnings Credit can be used to offset the monthly fee. Earnings Credit in excess of monthly fees and charges is not paid to the account or forwarded to the following statement cycle.