Scam Alert: We have been alerted that someone may be spoofing our 1-800-531-2328 and 512-435-4545 numbers to tell members they have fraud on their debit card and attempt to gather personal information. 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. 
Mark all as read
2024 Holiday Toy Drive NEW

United Heritage Credit Union is hosting a Holiday Toy Drive to support kids in Central and East Texas. UHCU will collect new and unopened toys, and funds, from November 12 through November 29 at all branch locations. Click here for more info on how to donate!
Elevate Your Everyday with a Metal Debit Card NEW

UHCU is now offering metal debit cards for all checking accounts. Click here to order yours today!
Our Southwest Branch is Updating Hours NEW

Effective Saturday, November 23, 2024, our Southwest branch drive-thru lanes will be closed on Saturdays. Our lobby will remain open and our drive-up ATMs with expanded features will be available. Click here for more information.
Refer Your Friends & Earn Up to $500!* NEW

Earn $50 for each friend you refer that opens a UHCU checking account. You can earn up to $500 per year*! You and your friend both earn $50 when your friend opens an account and meets all of the requirements.

Learn more and Refer a Friend today!
Skip-A-Pay NEW

It's now easier than ever to skip a loan payment with our Skip-a-Pay program. Click here to learn more!
Sign In

Welcome Back

 
Forgot password? Forgot username?
Enroll in Online Banking
 
Branch Appointments
car driving on the roadcar driving on the road

Auto Loans

Looking for a new or used car loan, or want to refinance your existing loan for lower payments? UHCU auto loans have low rates and flexible repayment options.

 

Apply Now Learn More
RV at mountain lakeRV at mountain lake

Motorcycle, RV & Boat Loans

If you need a motorcycle loan, recreational vehicle (RV) loan or boat loan, a UHCU loan specialist can help you secure a great, low rate.

Apply Now Learn More

The loan process is fast and easy.

When you finance your vehicle with UHCU, you get the best of both worlds - low rates and exceptional service. 

Apply for a Loan Visit a Branch
Protect Your Investment

Get the Coverage You Need at a Low Cost

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.

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. 

Complete Vehicle Protection

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

Investment Protection Options

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. Apply online today to get started or speak to a loan representative at 512.435.4444.

Apply Now

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.

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.