Checking Rates
Better benefits, fewer restrictions. Easily compare our checking accounts to find the one that works for you.
Effective 1.28.2020
| |
Freedom Checking |
Teen Checking |
Choice Checking |
VIP Money Market |
| Balance to Earn Dividends |
N/A |
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 |
N/A |
0.10% |
0.15% |
0.30% |
0.40% |
| Annual Percentage Yield |
N/A |
N/A |
N/A |
0.10% |
0.15% |
0.30% |
0.40% |
| Minimum to Open |
$0 |
$0 |
$20 |
$2,500 |
$2,500 |
$2,500 |
$2,500 |
| Minimum Balance |
N/A |
N/A |
$20 |
$2,500 |
$2,500 |
$2,500 |
$2,500 |
Regular Savings account required for all checking accounts. Par value of one share is $1.
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
We offer home loan rates as low as 3.39
%
APR*
Apply Now
We offer auto loan rates as low as 2.89
%
APR*
Apply Now
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.
Learn More
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.
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 & Investments Rates
With a variety of options, our Savings & Investment products help you reach your goals. Higher yield accounts begin at UHCU.
Effective 1.28.2020
| |
Regular Savings* |
Special Savings* |
Student Savings* |
Holiday Savings* |
Independence Account** |
Fixed-Rate
Certificate of Deposit*** |
Individual Retirement
Account |
Individual Retirement
Account Variable Rate |
| Balance to Earn Dividends |
$100 – $1,999;
$2,000 and above |
$100 – $1,999;
$2,000 and above |
N/A |
$5 |
$100 – $4,999;
$5,000 – $9,999;
$10,000 and above |
Monthly Terms:
3; 6; 12; 18; 24; 36; 48; 60 |
Fixed-Rate Monthly Terms:
12; 18; 24; 36; 48; 60 |
N/A |
| Dividend Rate |
0.20%; 0.15% |
0.20%; 0.15% |
0.25% |
0.25% |
0.50%; 0.75%; 1.00% |
0.40%; 0.95%; 1.20%; 1.30%;
1.54%; 1.84%; 2.03%; 2.33% |
1.20%; 1.30%; 1.54%;
1.84%; 2.03%; 2.33% |
.35% |
| Annual Percentage Yield |
0.20%; 0.15% |
0.20%; 0.15% |
0.25% |
0.25% |
0.50%; 0.75%; 1.00% |
0.40%; 0.95%; 1.20%;
1.30%; 1.55%; 1.85; 2.05%; 2.35% |
1.20%; 1.30%; 1.55%;
1.85%; 2.05%; 2.35% |
.35% |
| Minimum to Open |
$1 |
$1 |
$1 |
$5 |
$100 |
$1,000 |
$1,000 |
N/A |
| Minimum Balance |
$1 |
N/A |
N/A |
N/A |
$100 |
$1,000 |
$1,000 |
N/A |
*Dividend rates are compounded quarterly.
**Dividend rates are compounded monthly. 30-month investment term.
***Three month Certificate of Deposits (CDs) are not compounded. Dividends are credited at maturity. All other CDs and Individual Retirement Accounts 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.
Accounts (IRAs) are compounded quarterly.
Fees may reduce earnings.
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 1.28.2020
| |
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 |
Regular Savings account required for all Business accounts. Par value of one share is $1.
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 2.5.19
Free Services | Checking & Savings | Cash Processing | VISA Debit & ATM Card | Miscellaneous | Draft and Collection Services | Safe Deposit Box Rentals
Free Services
| 24/7 Online Banking |
| 24/7 Mobile Banking and App |
| 24/7 Mobile Deposit |
| eStatements |
| ATM Transactions (United Heritage or Austin ATM Alliance machines) |
| Telephone Service Center |
| Cleared Check Copy (endorsed within last 18 months) |
| Point-of-Sale Transactions (ATM & VISA® Debit Card) |
| Transaction History Printout |
| Notary Service and Signature Guarantee |
Checking & Savings Fees
| Choice Checking |
$10 per month |
| 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 (125 duplicate checks) |
$26 and up |
| Temporary Checks (pkg. of 10) |
$3 |
| Non-Sufficient Funds (NSF) Check |
$34 |
| Non-Sufficient Funds (NSF) ACH |
$34 |
| Courtesy Pay ACH* |
$34 |
| Courtesy Pay Check* |
$34 |
| Courtesy Pay Debit* |
$34 |
| Overdraft Transfer (from deposit account) |
$5 |
| Re-post Overdraft |
$34 |
| Stop Payment (lobby or Telephone Service Center) |
$34 |
| Stop Payment (through Online Banking) |
$24 |
| Returned Item (personal check) |
$25 |
| Returned Item (other item) |
$15 |
| Returned Statement Processing |
$5 |
| Premier Perks** |
$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 |
| 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 calendar month) |
FREE! |
| Web BillPay (Fewer than 1 payment during calendar month) |
$6.95 |
| Official Check (each) |
$3 |
| Official Check (non-member) |
$10 |
| Money Order (each) |
$1 |
| Domestic Wire Transfer (outgoing) |
$20 |
| Domestic & International Wire Transfer (incoming) |
$4 |
| Check by Phone |
$7.50 |
| Check Cashing |
1% of check; $2 minimum*** |
| Western Union® Transfer |
$9.95 and up |
| Research (per hour) |
$20 |
| Legal Process (i.e. Levies, Garnishment) |
$50 + cost |
| Account Reconcilliation (per hour) |
$10 |
| Statement Copy (per statement) |
$4 |
| Cleared Check Copy (past 18 months of endorsement) |
$3 |
| Overdrawn Debit |
$34 |
| Savings Account Closure (within 90 days of open date) |
$10 |
| Safe Deposit Box Drilling |
$175 |
| Safe Deposit Box Key Replacement |
$65 |
| 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" |
$40 |
| 5" X 5" |
$40 |
| 5" X 10" |
$63 |
| 10" X 10" |
$89 |
Pre-Paid VISA Card Fee Schedule (PDF)
*Available to qualifying members.
**Membership required. Must be at least 18 years of age. Value and savings based on member usage. Conditions and restrictions apply.
***Applies to accounts with balances less than $100.
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 10.1.19
Free Services | Business Checking & Savings | Draft & Collection Services | Cash Processing | Business VISA® Debit Card | Miscellaneous
Free Services
| 24/7 Online Banking |
| 24/7 Mobile Banking |
| 24/7 Mobile Deposit |
| eStatements |
| ATM Transactions (United Heritage or Austin ATM Alliance machines) |
| Telephone Service Center |
| Cleared Check Copy (endorsed within last 18 months) |
| Transaction History Printout |
| Notary Service and Signature Guarantee |
Business Checking & Savings Fees
| Basic Business Checking: Below $1,000 minimum |
$6 |
| Basic Business Checking: Maximum Items (Debits Paid or Items Deposited) Before Fee |
50 |
| Basic Business Checking: Per Debit / Deposit Charge (Above maximum) |
$.25 |
| Classic Business Checking: Below $5,000 minimum |
$10 |
| Classic Business Checking: Maximum Items (Debits Paid or Items Deposited) Before Fee |
250 |
| Classic Business Checking: Per Debit / Deposit (Above maximum) |
$.25 |
| Analysis Business Checking: Monthly fee |
$12.50 |
| Analysis Business Checking: Debit |
$.10 per debit |
| Analysis Business Checking: Deposit |
$.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 |
| Temporary Checks (pkg. of 10)* |
$3 |
| ACH Origination |
$3 |
| Overdraft Transfer (from deposit account) |
$5 |
| Re-post Overdraft |
$34 |
| Stop Payment (lobby or Telephone Service Center) |
$34 |
| Stop Payment (through Online Banking) |
$24 |
| Non-Sufficient Funds (NSF) Check |
$34 |
| Non-Sufficient Funds (NSF) ACH |
$34 |
| Courtesy Pay - ACH** |
$34 |
| Courtesy Pay - Check** |
$34 |
| Courtesy Pay - Debit** |
$34 |
| Returned Item (business check) |
$25 |
| Returned Item (other item) |
$15 |
| Returned Statement Processing |
$5 |
Draft 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 |
| Deposit Bags: Disposable bags |
$.10/ea-$5 bulk |
| 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 |
| Debit Card Rush Delivery |
$100 |
| ATM Transaction (non-United Heritage or Austin ATM Alliance machine) |
$1 |
Miscellaneous Fees
| Official Check (each) |
$3 |
| Official Check (non-member) |
$10 |
| Money Order (each) |
$1 |
| Domestic Wire Transfer (outgoing) |
$20 |
| Domestic & International Wire Transfer (incoming) |
$4 |
| Check by Phone |
$7.50 |
| Check Cashing |
1% of check; $2 minimum*** |
| Western Union® Transfer |
$9.95 and up |
| 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 |
$34 |
| 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)
*Not available on Business Savings Accounts.
**Available to qualifying members.
***Applies to accounts with balances less than $100.
Debits: Withdrawal by Draft, Credit Card, Debit Card, ACH, POS, ATM or check.
Deposits: Funds addition by ACH, Payroll, Check, Cash or Bulk Deposits.
Bulk Deposits: Consisting of multiple checks, each check within the deposit is an 'item.'
Earnings Credit: Based on the 90 Day T-Bill applied to the average/investable available balance of qualified business checking accounts.
This fee schedule sets forth certain fees and charges and is incorporated as part of your account 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.