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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 Fraud NEW

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.
Get Paid Faster with UHCU’s New Instant Payments NEW

United Heritage Credit Union now supports instant payments, giving members a faster way to receive eligible funds. Payments can be deposited into your account within seconds instead of waiting for traditional processing times. Read the blog to learn more. 
New Auto Loan? NEW

For help submitting your insurance, managing your payments and accessing your UHCU account online, we've got you covered. Click here to complete your next steps!
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Get up to $1,500 cash back!*

Auto Loans as low as 3.99% APR.

For up to 36 months.

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Limited Time CD Rates
Put your savings to work

Limited Time CD Rates

A United Heritage CD gives you the opportunity to grow your savings with competitive interest rates and the confidence of NCUA insurance. Plus, there are no monthly, service, or administration fees, and dividends are paid quarterly.

  • Exclusive rates to help your savings grow
  • Straightforward, transparent pricing
  • No hidden costs or surprises
  • Peace of mind with federally-insured savings

Find the CD For You

Sep

13

Love is Home Gala event picture

Step Onward: Love is Home Gala

United Heritage is proud to be the Title Sponsor of the Love is Home Gala happening Sunday, September 13, 2026.

United Heritage is proud to be the Title Sponsor of the Love is Home Gala happening Sunday, September 13, 2026.

Event Details

Oct

17

Shred Day - Round Rock Branch

Shred Day - Round Rock

Join us at the Round Rock branch for a free shred day event.

At United Heritage Credit Union, protecting your personal information is important! That is why we are happy to host a Shred Day and invite our members and the community to bring up to five file sized boxes of documents and paperwork to be professionally shredded.

Event Details

Dec

12

Shred Day - North Austin Branch

Shred Day - North Austin Branch

Join us at the North Austin branch for a free shred day event.

At United Heritage Credit Union, protecting your personal information is important! That is why we are happy to host a Shred Day and invite our members and the community to bring up to five file sized boxes of documents and paperwork to be professionally shredded.

Event Details
Family standing outside of new home Follow us on Instagram! uhcu student loans car driving on road
Family standing outside of new home Follow us on Instagram! uhcu student loans car driving on road
Home Loans

We make home-buying as simple as possible.

At United Heritage, we're increasing our home loan product offerings while other lenders are scaling back. With competitive rates and personalized service, we're here to make financing your home as simple as possible. Whether you're looking to purchase a home, refinance from another lender or take cash out using your home's equity, we have options for you.
 

  • Competitive rates
  • Get pre-qualified before you shop
  • Assistance navigating the home-buying process
  • First-time homebuyer assistance

Learn More Apply Now
Let's Get Social

Follow us on Instagram!

We'd love for you to join us on Instagram where we post about all kinds of things, including:

  • Our awesome giveaways
  • Helpful articles with topics on home buying, car shopping and personal budgeting
  • Information about our services
  • and so much more
We'd love to have you! Click the button below to visit our Instagram profile and click Follow.

Follow @UHCU on Instagram
Student Loans

Stress Less About Paying For College.

UHCU’s in school loan helps undergraduates and graduates pay the full cost of attendance. Get a credit decision in minutes and invite a cosigner in seconds.

  • Fully deferred, interest only or immediate repayment options
  • Borrow from $3,000 to $150,000
  • .25% discount for automated payment deduction
  • Cosigner release after 36 on-time payments
  • Receive real-time updates on your application via text

Learn More Apply Now
Auto Loans

We have a loan for your ride.

Whether you are buying a new or used car or refinancing your current auto loan from another lender, we can help. When you finance your vehicle with UHCU, you get the best of both worlds - low rates and exceptional service. In addition, you can finalize your loan without leaving your home! That's right, by using DocuSign to securely sign loan documents, you can complete the loan process all from the comfort of your home. Just a few of the ways we're here to help with every step of the process.
 

  • Competitive rates
  • Personalized service
  • Quick and convenient loan closings from home with DocuSign
  • Assistance navigating the process
  • Ask about no payments for 90 days!

Learn More Apply Now
Family standing outside of new home Follow us on Instagram! uhcu student loans car driving on road
Protect Yourself From Fraud

Visit Our Security Center

Please be aware that UHCU will never call, text or email members asking for personal information, including:

  • The last four digits of your card number
  • Your PIN number
  • Secure Access Code
  • Online Banking password
These calls are not from United Heritage Credit Union. This is a fraudulent attempt to collect your personal information and access your account. Learn more about recent scams, how to avoid them and protect yourself in our Security Center.

Security Center Contact UHCU
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Always here for you.

Just a click or a phone call away.

Our goal is to provide you with personalized service that meets your needs. In order to provide our members with the most convenient services possible

Visit a branch today:

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Texas Proud.

Where you bank matters.

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Service that WOWs

We treat members like our neighbors because sometimes, they are. We pride ourselves on our service and love of community.

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30,000 Free ATMs

Don't be fooled. Just because we're not a national bank it doesn't mean we don't have a national presence.

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Branch Services

We provide our members with the most convenient services possible.

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Greater Flexibility

We're not a call center, we're here to provide banking solutions and will work with you in person or over the phone.

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Local Focus

We are here for Texas. Banking with UHCU is an investment in the community. We're focused on Texas, not Wall Street.

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Lower Fees

Don't let fees get you down. We firmly believe in taking care of our members' whole financial being.

COMPLAINT NOTICE

If you have a problem with the services provided by this credit union, please contact us at:

United Heritage Credit Union
P.O. Box 202020, Austin, Texas 78720
512.435.4545 or 800.531.2328
memberassist@uhcu.org 

The credit union is incorporated under the laws of the State of Texas and under state law is subject to regulatory oversight by the Texas Credit Union Department. If any dispute is not resolved to your satisfaction, you may also file a complaint against the credit union by contacting the Texas Credit Union Department through one of the means indicated below: In Person or U.S. Mail: 914 East Anderson Lane, Austin, Texas 78752-1699, Telephone Number: (512) 837-9236, Facsimile Number: (512) 832-0278; Email: complaints@cud.texas.gov, Website: www.cud.texas.gov.