All UHCU branches will be closed on Thursday, November 28, in observance of Thanksgiving Day. Branches will be open for normal business hours on Friday, November 29.
Articles and Resources
2024 Holiday Toy Drive
2024 Holiday Toy Drive

United Heritage Credit Union has teamed up with the United Heritage Charity Foundation to host a Holiday Toy Drive from Tuesday, November 12, 2024 to Friday, November 29, 2024 benefiting the Wil...

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Our Southwest Branch is Updating Operating Hours
Our Southwest Branch is Updating Operating Hours

Effective Saturday, November 23, 2024, our Southwest branch will be closed on Saturdays. Our lobby will remain open and our drive-up ATMs with expanded features will be available. L...

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Free Up Funds with Skip-A-Pay
Free Up Funds with Skip-A-Pay

With our Skip-A-Pay program, you can temporarily pause your loan payment, giving yourself and your budget a much needed break. Click here to learn more about this program. 

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Georgetown Branch Closing for Renovations
Georgetown Branch Closing for Renovations

The Georgetown branch is being renovated soon. We’re excited to make updates to the interior of this branch in order to improve our members’ experience. Schedule of Closures for Ren...

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United Heritage Credit Union Donates Over 2,000 Supplies to Local Children in Need
United Heritage Credit Union Donates Over 2,000 Supplies to Local Children in Need

Through the generous contributions of our members and employees, we collected and donated over 2,000 school supplies to help local children in need prepare for the upcoming school year. Click to...

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Protect Yourself from Fake Websites
Protect Yourself from Fake Websites

The internet is a fantastic resource, but it's also a breeding ground for scammers. Fake websites, designed to mimic legitimate businesses, are becoming increasingly sophisticated. Read more...

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United Heritage Credit Union Donates $10,000 to Safe in Austin Rescue Ranch
United Heritage Credit Union Donates $10,000 to Safe in Austin Rescue Ranch

United Heritage Credit Union proudly announces a $10,000 donation to Safe in Austin Rescue Ranch through its Charity Foundation.

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2024 School Supply Drive!
2024 School Supply Drive!

The new school year is fast approaching, and for many families, affording school supplies can be a challenge. United Heritage Credit Union is here to help! We're hosting a School Supply Driv...

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2024 United Heritage Charity Foundation Presents $10,000 in Scholarship Funds
2024 United Heritage Charity Foundation Presents $10,000 in Scholarship Funds

2024 United Heritage Charity Foundation Presents $10,000 in Scholarship Funds

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United Heritage Charity Foundation Contributes to New Playground in Tyler!
United Heritage Charity Foundation Contributes to New Playground in Tyler!

The United Heritage Charity Foundation is proud to announce its contribution of $20,000 towards the construction of a new playground for PATH’s backyard. This exciting project will provide...

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Calling All Texas Homebuyers: It's a Buyer's Market!
Calling All Texas Homebuyers: It's a Buyer's Market!

Looking to plant roots in vibrant Texas? Here's some exciting news for homebuyers: the market has shifted in your favor! Remember those crazy bidding wars and houses selling above asking pri...

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What Determines the Price of an Auto Insurance Policy?
What Determines the Price of an Auto Insurance Policy?

Ever wonder what factors determine the cost of your auto insurance? The answer lies in the varying factors that insurance companies use to determine your individual risk profile and, ultimately,...

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What are Insurance Scores and Do They Affect Your Auto Insurance Rates?
What are Insurance Scores and Do They Affect Your Auto Insurance Rates?

Ever wondered why your friend with a "clean driving record" pays more for auto insurance than you? It might have something to do with insurance scores. But what exactly are they, and h...

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Does Filing an Auto Insurance Claim Mean Higher Premiums?
Does Filing an Auto Insurance Claim Mean Higher Premiums?

Hit a bump in the road with your car? While accidents happen, navigating the aftermath, especially when insurance is involved, can feel like a winding road. One question that often pops up: &quo...

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Don't Get Blindsided: Understanding Auto Policy Cancellation vs. Nonrenewal
Don't Get Blindsided: Understanding Auto Policy Cancellation vs. Nonrenewal

Ever wondered why your auto insurance might not be renewed? It's a scenario that raises eyebrows and questions. At UHCU Insurance Services, we believe navigating the twists and turns of insu...

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8 Auto Insurance Myths
8 Auto Insurance Myths

Confused about auto insurance? You're not alone. Many myths and misconceptions swirl around this essential protection, leading to costly coverage gaps or overspending. At UHCU Insurance Serv...

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2024 Observer Volume I
2024 Observer Volume I

Click the image below to read our latest Observer newsletter. This volume includes articles on the following topics: UHCF Scholarship Entry Information 2024 Board Nominations Your B...

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What is Covered By an Auto Insurance Policy?
What is Covered By an Auto Insurance Policy?

Hitting the open road feels liberating, but it's crucial to be prepared for the unexpected. And that's where your trusty auto insurance policy comes in – your financial guardian an...

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What is Auto Insurance?
What is Auto Insurance?

Hitting the gas on your car feels freeing, but the thought of navigating auto insurance can leave you feeling stuck at a red light. UHCU Insurance Services is here to shed light on the intricaci...

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Online/Mobile Banking Got a Redesign
Online/Mobile Banking Got a Redesign

Your Online and Mobile Banking Homepage Has a New Look as of February 27, 2024! Click here to learn more.

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United Heritage Charity Foundation Donates $20,000 to Local Military and Their Families for the Holidays
United Heritage Charity Foundation Donates $20,000 to Local Military and Their Families for the Holidays

United Heritage Credit Union and its Charity Foundation have partnered with Heroes Night Out, a local non-profit dedicated to supporting active military, veterans, and their families. United Her...

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2023 Donation Drive
2023 Donation Drive

We are excited to announce that UHCU is hosting a Donation Drive to benefit Heroes Night Out, a non-profit organization that is dedicated to providing resources and services to local Veterans, S...

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Stay Vigilant and Avoid Scams: Protecting Yourself on Social Media
Stay Vigilant and Avoid Scams: Protecting Yourself on Social Media

As the holiday season approaches, United Heritage Credit Union is spreading cheer with an exciting giveaway on our social media platforms. However, amidst the festive spirit, scammers are lurkin...

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United Heritage Credit Union Sponsors Honor Flight Austin
United Heritage Credit Union Sponsors Honor Flight Austin

United Heritage Credit Union and its United Heritage Charity Foundation are directly supporting local military veterans in the Austin area. On October 27, a group of volunteers, guardians, and m...

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2023 Teacher Wishlist Giveaway
2023 Teacher Wishlist Giveaway

United Heritage Credit Union and its Charity Foundation directly supported local teachers within Texas to ease the burden of costs teachers pay out of their own pockets. Focusing on education is...

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2023 School Supply Drive
2023 School Supply Drive

United Heritage Credit Union (UHCU) recently donated a variety of school supplies, including backpacks, binders, markers, and folders, to two charitable organizations in Central and East Texas: ...

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UHCU Has New ATMs
UHCU Has New ATMs

We're excited to have installed new ATMs at all of our branch locations! These new ATMs offer a variety of features that will make it easier and more convenient for you to complete your bank...

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Our Tyler Branch is Updating Operating Hours
Our Tyler Branch is Updating Operating Hours

Effective Saturday, September 23, 2023, our Tyler branch will have updated hours of operation on Saturdays to better serve our members. Lobby Monday – Friday: 9:00 AM – 5:00 PM ...

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River Place Branch Closing for Renovations
River Place Branch Closing for Renovations

The River Place branch is being renovated soon. We’re excited to make updates to the interior of this branch in order to improve our members’ experience. Schedule of Closure...

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2023 Observer Volume II
2023 Observer Volume II

Read our latest Observer for current news, promotions and more.

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Don't Fall for Smishing: How to Spot and Avoid These Scams
Don't Fall for Smishing: How to Spot and Avoid These Scams

In an effort to keep our members informed of current security threats, we wanted to let you know about a new trend we’re seeing from scammers who are impersonating financial institutions v...

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Lakeway Branch Closing for Renovations
Lakeway Branch Closing for Renovations

The Lakeway branch is being renovated soon. We’re excited to make updates to the interior of this branch in order to improve our members’ experience. Schedule of Closures for Ren...

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2023 School Supply Drive!
2023 School Supply Drive!

Back-to-school is just around the corner, and that means it's time to start thinking about school supplies. But for many families, the cost of school supplies can be a financial burden. That...

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United Heritage Charity Foundation Presents Annual $5,000 Scholarship
United Heritage Charity Foundation Presents Annual $5,000 Scholarship

The United Heritage H. Ralph Wilburn Memorial Scholarship Committee presented a $5,000 scholarship to Amanda Farrar on June 25 at the Dell Diamond in Round Rock, Texas. 

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Round Rock Branch Closing for Renovations
Round Rock Branch Closing for Renovations

The Round Rock branch is being renovated soon. We’re excited to make updates to the interior of this branch in order to improve our members’ experience. Schedule of Closures for ...

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Don't Wait to Buy a Home - Here's Why
Don't Wait to Buy a Home - Here's Why

As a potential homebuyer, you might be tempted to wait out the current high-interest rates with the hope that they'll drop soon. However, according to real-world scenarios, waiting might not...

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One-Time Passwords Offer Greater Security
One-Time Passwords Offer Greater Security

In today's world, security is more important than ever. With the ever-increasing threat of cyberattacks, United Heritage Credit Union is taking every step possible to protect our members&#39...

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2023 Diaper Drive Benefiting PATH!
2023 Diaper Drive Benefiting PATH!

We are excited to announce that for the month of April, United Heritage will be supporting PATH as its Diaper Drive sponsor of the month! The United Heritage Charity Foundation has been working ...

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UHCU Sponsoring the 2024 Red Poppy Festival in Georgetown, TX
UHCU Sponsoring the 2024 Red Poppy Festival in Georgetown, TX

United Heritage Credit Union will be sponsoring the 2024 Red Poppy Festival in Georgetown, Texas from April 26 to April 28! Join us at the United Heritage booth for a chance to win fun prizes, g...

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2023 Observer Volume I
2023 Observer Volume I

Read our latest Observer for current news, promotions and more.

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United Heritage Credit Union Names New President and CEO
United Heritage Credit Union Names New President and CEO

AUSTIN, Texas (February 1, 2023) – The United Heritage Credit Union Board of Directors is pleased to announce the appointment of Michael Ver Schuur as the new President and Chief Executive...

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2022 Observer Volume III
2022 Observer Volume III

The 2022 Observer Volume III examines maximizing your home's equity, the 2022 UHCF Scholarship and Auto Raffle winners, credit union updates and more! 

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Maximizing Your Home's Equity
Maximizing Your Home's Equity

The odds are good that your home is one of your largest investments and if you have equity in your home, it may be one of the best and easiest financial tools to use when you need cash. Leveragi...

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Notice of Discontinuation: UHCU Shared Branching
Notice of Discontinuation: UHCU Shared Branching

UHCU is discontinuing participation in the Co-Op Shared Branching network as of Monday, January 23, 2023. If you use Shared Branching to access your UHCU account read more for alternate options.

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Scam Phone Calls and Texts
Scam Phone Calls and Texts

The UHCU Fraud Department has received multiple reports from members stating that they are receiving text messages and phone calls from individuals impersonating UHCU employees. Read b...

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2022 Observer Volume II
2022 Observer Volume II

Read our latest Observer for current news, promotions and more.

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Notice of Discontinuation: UHCU Finance Manager
Notice of Discontinuation: UHCU Finance Manager

The UHCU Finance Manager service in Online Banking will be discontinued on Thursday, March 31, 2022. Please read more for guided instructions on exporting your account activity..

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Setting and Reaching Your 2022 Goals
Setting and Reaching Your 2022 Goals

There’s a lot of talk around the new year about setting new goals and revitalizing old ones.  Each January, we declare that this is the year where we will get healthier, get a better ...

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Student Loans: Government vs. Private Funding
Student Loans: Government vs. Private Funding

The cost of education continue to climb higher each year and as a result, many students have to borrow money to pay for the increased expenses. College expenses have vastly outpaced inflation ra...

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What Is Passive Income and How Can It Work For You?
What Is Passive Income and How Can It Work For You?

If there’s anything that the last few years have taught us it's that every plan should have a backup plan.  Financially, there are several ways to create security around an income...

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Financial Budgeting for the New Year
Financial Budgeting for the New Year

Celebrating the New Year is often a time of renewal.  We sometimes resolve to make the New Year “our year,” start new diets, begin new exercise regimens and wipe out the things ...

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Managing Credit Card Debt
Managing Credit Card Debt

 Credit card debt is one of the biggest financial issues for many Americans.  Millions of us carry month-to-month balances on credit cards, and many people have found problems just mak...

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2022 Observer Volume I
2022 Observer Volume I

Read our latest observer for current news, promotions and more.

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Paying For Higher Education: 5 Tips
Paying For Higher Education: 5 Tips

The cost of higher education continues to outpace inflation, and is perhaps the biggest expense that some people will ever incur outside of buying a home.  Tuition for public colleges avera...

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Top 3 Things To Winterize Your Home
Top 3 Things To Winterize Your Home

Generally, Texas doesn’t get serious cold weather, but when we do, it’s usually a whopper of a storm.  Being prepared for winter is easier than having to fix things when the wea...

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Updating Your Home After The Holidays
Updating Your Home After The Holidays

In the last few years, homeowners have seen a wave of new technology designed to make our homes smarter, more efficient and easier to maintain.  Now it is not at all uncommon to have a robo...

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2021 Observer Volume III
2021 Observer Volume III

Read our latest observer for current news, promotions and more.

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What You’ll Need to Apply for a Home Loan
What You’ll Need to Apply for a Home Loan

No matter where you apply for a home loan, the process always requires many similar documents and kinds of information from you, the borrower.  Lenders may have their own unique forms and r...

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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 th...

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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....

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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....

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What Does Servicing My Loan Mean?
What Does Servicing My Loan Mean?

When you start drilling down into the world of real estate mortgage loans, as you’ve no doubt already noticed, you’ll discover a new world of terms and acronyms that seem designed to...

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Home-buying Trends: Second Homes
Home-buying Trends: Second Homes

The current housing market remains hot and despite the stiff competition for property, buying a second home is becoming more and more common.  And it’s happening closer and closer to ...

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Phishing Phone Calls/Texts
Phishing Phone Calls/Texts

We want to inform our members that we have received multiple reports of UHCU members receiving phone calls and text messages from fraudsters indicating that they are a United Heritage representa...

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What Types of Loans Are There?
What Types of Loans Are There?

When you’re interested in buying a home, one of the first things you should do is compare different types of real estate loans. At United Heritage Credit Union, you’ll have several o...

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Phishing Emails: Company Impersonations
Phishing Emails: Company Impersonations

In an effort to keep our members informed of current online security threats, we wanted to remind you about a continuing trend we’re seeing from scammers who are impersonating large busine...

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Child Tax Credit Payments - What You Need To Know
Child Tax Credit Payments - What You Need To Know

The American Rescue Plan, which expanded the income tax credit program for families with children for 2021, has kicked off monthly child tax credit payments that began on 7/15/2021.

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How to Choose the Right Loan?
How to Choose the Right Loan?

When you’re trying to decide on whether to rent, buy, or build, our loan specialists are great at helping you decide the right next step is in your housing journey. United Heritage Credit ...

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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...

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Loan Estimates – What You Need to Know
Loan Estimates – What You Need to Know

When you’re looking to finance a home there are several things you need to consider, including the loan estimate, which is key in understanding the actual terms of the loan. The loan estim...

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2021 Observer Volume II
2021 Observer Volume II

Read our latest observer for current news, promotions and more.

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Refinancing Student Loans - What You Need to Know
Refinancing Student Loans - What You Need to Know

Student loans can be a huge burden to many Americans, and there has been much talk of government intervention in helping relieve some of the debt, but in the meantime, many are putting up with h...

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APR and Interest Rates - What’s the Difference?
APR and Interest Rates - What’s the Difference?

Mortgages seemingly have their own language, and knowing what the terms mean can make a significant difference in how you understand your loan and the associated costs. Often, APR is confused wi...

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Should I Sell or Remodel My Home?
Should I Sell or Remodel My Home?

Despite the global pandemic, the housing market across Texas has been hot, but mostly for sellers. Housing inventory remains low and often homes are being sold within days of being listed, and a...

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What Communication to Expect During the Home Loan Process
What Communication to Expect During the Home Loan Process

Buying a home is most likely the biggest financial transaction you may make in a lifetime and communication is key to limiting stress during the home loan process. While hiccups can happen in th...

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Is Now the Time to Buy a Home?
Is Now the Time to Buy a Home?

Current mortgage rates have been the lowest offered in decades and the housing market has been booming. While the current market has been considered a seller’s market due to the increased ...

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What to do if you don’t qualify for the loan amount you wanted?
What to do if you don’t qualify for the loan amount you wanted?

You’ve made the big decision to buy a home and gone through the application process only to find out that you don’t qualify for the amount you wanted. Now what? You’ve got some...

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How to Make Your Home Offer Stand Out in a Competitive Market
How to Make Your Home Offer Stand Out in a Competitive Market

Housing markets across Texas are booming and mortgage rates are lower than they’ve been in years, so there’s hefty competition in the buying market. Frequently homes have offers on t...

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Now Is the Time to Plan Your Summer Getaway
Now Is the Time to Plan Your Summer Getaway

Now that a COVID-19 vaccine is becoming more widely available, it looks like there may be an end to our time in quarantine.  This means that all the things we’ve put on hold like vaca...

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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 sh...

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What are QR Codes and How Do I Use Them?
What are QR Codes and How Do I Use Them?

For those who aren’t familiar with them, QR codes are a sophisticated form of a bar code that can be scanned using the camera app on most smart phones. QR actually stands for “Quick ...

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5 Reasons to File Your Taxes Early
5 Reasons to File Your Taxes Early

Doing your taxes early really is worth the effort. The majority of Americans end up with a return, so filing earlier means that for many, you’ll have money back in your pocket sooner. Besi...

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6 Things to Know About Relocating to Austin
6 Things to Know About Relocating to Austin

Austin is an amazing and fun city and there are a plethora of reasons to move here - great weather, the food scene and the booming job market are all reasons why people are flocking to Austin in...

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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 f...

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Bank Jugging: What It Is and How to Stay Vigilant

Bank Jugging is when a suspect or suspects observe bank/credit union customers entering and exiting the branch, using the drive-thru or accessing the ATM. The suspect(s) then follow the customer...

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How to Avoid a SMiShing Threat
How to Avoid a SMiShing Threat

In an effort to keep our members informed of current security threats, we wanted to let you know about a new trend we’re seeing from scammers who are impersonating large businesses through...

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Cutting Your Energy Costs - 10 Easy Ways to Reduce Your Electricity Bill
Cutting Your Energy Costs - 10 Easy Ways to Reduce Your Electricity Bill

Reducing your bill can lead to significant long term savings and we’ve got some ideas to help get that cash back into your pocket!  

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 Top 7 Things to Purchase in January
Top 7 Things to Purchase in January

January is a great time to pick up some great deals, and we’ve compiled a list of the top 7 items that are usually discounted in the New Year!

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5 Steps to Creating a Budget
5 Steps to Creating a Budget

One of the best decisions you can make for your financial future is to create and then stick to a budget. Taking a deep look at your finances can be intimidating, but it’s important to do ...

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Holiday Budgeting - Avoiding Over Spending
Holiday Budgeting - Avoiding Over Spending

This year has been unprecedented, and many of us have adapted to online shopping, and therefore an increase in our online spending. As a country, we generally overspend our budgets each year. A ...

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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...

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Phishing Emails: Amazon Impersonation
Phishing Emails: Amazon Impersonation

In an effort to keep our members informed of current online security threats, we wanted to let you know about about a new trend we’re seeing from scammers who are impersonating large busin...

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2020 Observer Volume III
2020 Observer Volume III

Read our latest Observer for current news, promotions and more.

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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 a...

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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 ...

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Credential Stuffing Attacks on the Rise
Credential Stuffing Attacks on the Rise

Credential stuffing attacks are on the rise and it's important for our members to know how to protect their information online.  A credential stuffing attack is when usernames and passw...

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PO Box Update
PO Box Update

Please note that our PO Box address has changed to: PO Box 202020; Austin, Texas 78720. Please update your records for any future mailings.

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Down and Detailed: All About Down Payments
Down and Detailed: All About Down Payments

Purchasing a home for the first time is a major financial milestone. Along the way, you’re bound to have questions. How much money will I need to put down? How will my down payment affect ...

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UHCU Mobile App Android Update: Mobile Deposit Photos
UHCU Mobile App Android Update: Mobile Deposit Photos

As we continue to evolve our digital services, we wanted to make our Android users aware of an update coming soon to the UHCU Mobile App. This update is specific to the Mobile Deposit feature wi...

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2020 Observer Volume II
2020 Observer Volume II

Read our latest Observer for current news, promotions and more.

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Buying a Home from Home
Buying a Home from Home

In the past, buying a home remotely was usually reserved for special cases such as vacation homes or because of a relocation. However, given our new norm of social distancing, buying a new home ...

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Credential Stuffing Attacks on the Rise
Credential Stuffing Attacks on the Rise

Credential stuffing attacks are on the rise and it's important for our members to know how to protect their information online.  A credential stuffing attack is when usernames and passw...

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Reminder: Phishing Phone Calls + Security Pop-Ups
Reminder: Phishing Phone Calls + Security Pop-Ups

We want to inform our members that we have received reports of UHCU members receiving "Security" pop-ups asking them to call an out-of-area phone number, which is connected to fraudste...

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Supporting the Financial Well-Being of Our Communities
Supporting the Financial Well-Being of Our Communities

United Heritage is your foundation of economic well-being. While there is a lot of talk of being here for you, we mean it. We are expanding our services and offerings while others are scaling ba...

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Reminder: Suspicious SMS Texts

UHCU has received multiple reports of members receiving a suspicious SMS text message requesting action by the member. We will never request this information from our members, including the last...

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Your Funds are Safe

We wanted to remind our members that the safest place for your funds right now is in the financial institution systems. UHCU will continue to provide members with access to their funds directly ...

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2020 Observer Volume I
2020 Observer Volume I

Read our latest Observer for current news, promotions and more.

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Spring is Coming – Considering a Refinance?
Spring is Coming – Considering a Refinance?

With spring just around the corner, is there a best time of the year to refinance your mortgage? That’s a question that only you will know the answer to—after all, everyone’s n...

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Why You Should House Hunt in the Winter
Why You Should House Hunt in the Winter

When we think of going house hunting, we tend to picture sunny skies and spring time, not cold and dreary days. Don’t let that scare you, as there are actually several advantages to h...

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Phishing Phone Calls
Phishing Phone Calls

We want to inform our members that we have received multiple reports of UHCU members receiving phone calls from fraudsters.

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SMS Phishing Texts
SMS Phishing Texts

Be aware that we have received multiple reports of UHCU members receiving a suspicious SMS text message requesting action by the member. We will never request this information from our members, ...

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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 scho...

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2019 Observer Volume III
2019 Observer Volume III

Read our latest Observer for current news, promotions and more.

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UHCU Sponsors 31st Annual Chuy's Parade
UHCU Sponsors 31st Annual Chuy's Parade

United Heritage Credit Union is proud to once again be a Featured Sponsor at the 31st Annual Chuy's Children Giving to Children Parade.

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Fraudulent Checks & the Security of Your Account
Fraudulent Checks & the Security of Your Account

While many people are taking advantage of paying their bills through Web BillPay, payment using a paper check may still be preferred in some circumstances to avoid transaction fees, for gift giv...

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4 Types of Student Scams and How to Avoid Them
4 Types of Student Scams and How to Avoid Them

From registering for classes to finding housing, going back to school for the semester can feel like an endless to-do list. It’s easy to get overwhelmed with forms, payments, and schedules...

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Internet Explorer Browser Support Ending
Internet Explorer Browser Support Ending

Microsoft announced earlier this year that they plan to end support for most versions of Internet Explorer (IE) in January 2020. Prior to this, support for IE 10 and older ended 1.12.16. What do...

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That International Call Could Be a Wangiri Scam
That International Call Could Be a Wangiri Scam

There’s a new robocall scam hitting the mobile phone scene and unlike others, this one is baiting you to call back. Dubbed Wangiri scams – Japanese for “one-ring and cut”...

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3 Steps to Take When Your Card is Compromised
3 Steps to Take When Your Card is Compromised

Seeing a fraudulent charge on your credit or debit card may make your heart race, but it’s not a moment to panic. Rather, it’s the time to keep a cool head and take deliberate steps ...

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UHCU Coloring Book

We're happy to share our UHCU Coloring Book with everyone! Feel free to print the pages of Beaker and his friends for fun coloring time at home.

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Fraudulent UHCU Official Checks
Fraudulent UHCU Official Checks

Recently, United Heritage Credit Union became aware of individuals receiving fraudulent Official Checks containing the UHCU name and logo in the mail along with a pamphlet instructing the recipi...

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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. Do...

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Debit Card Fraud Monitoring Update
Debit Card Fraud Monitoring Update

Effective Wednesday, June 5, 2019, our debit card monitoring provider, Falcon Fraud Monitoring, is adding SMS/text messages and email as ways they may contact you to discuss potential fraud atte...

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6 Budget-Friendly Upgrades to Boost Your Home’s Value
6 Budget-Friendly Upgrades to Boost Your Home’s Value

There are only a few weeks left before summer officially begins and if you’re planning on selling your home soon, you should consider devoting some time to small, inexpensive weekend proje...

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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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Tips to Avoid Identity Theft
Tips to Avoid Identity Theft

In this age of information, we’ve all heard stories about identity theft and how rampant it has become. Recent stats and studies on identity theft crimes found that data pirates are becomi...

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Romance Scams
Romance Scams

With so many sites, apps, and services dedicated to matching people up, the odds of meeting a compatible mate online have greatly increased over the past several years. However, more free and co...

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Fuel Pump Skimmers
Fuel Pump Skimmers

Credit card skimmers are discreet smart devices that hackers, thieves, and scammers have been known to install at credit card terminals to steal information and make fraudulent purchases. Read a...

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Phishing Phone Call Alert
Phishing Phone Call Alert

We want to inform our members that we have received multiple reports of UHCU members receiving phone calls from fraudsters. Please read the full post for more information.

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Six Helpful Tips for Buying a Home
Six Helpful Tips for Buying a Home

When it comes to purchasing a new home, using the assistance of experienced UHCU Loan Specialists who know the process inside and out can help make the experience smooth and free of unnecessary ...

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Postcard Scam

We want our members to be aware that fraudulent postcards are being sent to members of credit unions near UHCU.

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Fake Apps Responsible for Banking Fraud

Android phones are extremely popular and therefore are targeted by malicious apps in order to steal banking information.

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UHCU Sponsors 30th Annual Chuy's Parade
UHCU Sponsors 30th Annual Chuy's Parade

United Heritage Credit Union is proud to be a Featured Sponsor at the 30th Annual Chuy's Children Giving to Children Parade. Join the United Heritage Team at the parade where you’ll se...

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Mortgage Terms and Disclosures: Learning a New Language
Mortgage Terms and Disclosures: Learning a New Language

Purchasing a new home can be as exciting as it is intimidating. In addition to the numerous loan options and payment structures, there are mortgage-related words and terms that might be new to s...

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Expect the Unexpected: The Costs of Buying a House
Expect the Unexpected: The Costs of Buying a House

A first-time homebuyer could easily overlook fees and expenses that come when purchasing a home. That’s why it’s important to learn about all of the costs you will have to budget for...

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Slaughter Branch Celebrates 10th Anniversary

United Heritage Credit Union’s Slaughter branch, located at 5011 W Slaughter Ln. in Austin, is celebrating its 10th anniversary with a fun, free event on Friday, September 21, 2018 from 3:...

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How to Protect Your Router from Recent Hacks
How to Protect Your Router from Recent Hacks

The FBI recommends that anyone who owns a wireless router reset it as soon as possible due to sophisticated malware that likely comes from Russian state-sponsored hackers.

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Happy Mother's Day

In honor of Mother's Day, we sat down with a few UHCU employees to talk about their moms and about being a mom. Happy Mother's Day!

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Watch Out for These 3 Common Scams

Scams come in many varieties, and millions of people fall victim to them each year. Learn about some of the most common tactics and check out these practical tips to help you spot and avoid scam...

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Upgrade to an EMV Chip Debit Card Today!

EMV Chip Debit Cards are available for United Heritage Credit Union members! Call or stop by any full-service UHCU branch to upgrade your card today.

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Lakeway Branch's 10 Acts of Kindness
Lakeway Branch's 10 Acts of Kindness

United Heritage Credit Union’s Lakeway branch recently celebrated its 10th anniversary with 10 Acts of Kindness. As a way to say thank you to members and the surrounding community, the Lak...

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Lakeway Branch Celebrates 10th Anniversary
Lakeway Branch Celebrates 10th Anniversary

United Heritage Credit Union’s Lakeway branch, located at 3317 S RR 620 in Austin, is celebrating its 10th anniversary with 10 Acts of Kindness! Acts of Kindness include a member lunch on ...

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Beware of Port-Out Phone Scams

Fraudsters are illegally transferring cell phone numbers from one wireless provider to another in what are known as port-out scams.

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Protecting Yourself from Identity Theft

Identity theft occurs when a thief steals someone's personal information to commit fraud. Generally, the thief will use a stolen Social Security number or other personal information to open ...

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Security in the Online Banking Era
Security in the Online Banking Era

What do you need to keep in mind when using online banking in order to stay secure? Read this post for helpful tips.

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IRS Warns of Impersonation Telephone Scam

Scammers impersonating Internal Revenue Service employees are calling taxpayers and claiming they owe the IRS money that must be paid through a pre-loaded debit card or wire transfer. In an effo...

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Update Computer, Phone to Protect from Vulnerabilities
Update Computer, Phone to Protect from Vulnerabilities

It was recently discovered that nearly all devices with microprocessors, including computers and smartphones, are vulnerable to at least one of two exploits that could allow hackers to steal dat...

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How to Browse Smart Online

As banking and shopping online are increasingly becoming the norm, United Heritage Credit Union reminds members to use caution when online. 

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Protecting Yourself from Email Fraud

United Heritage reminds individuals to never provide an entity they do not know and/or trust with any personal, sensitive information via email.

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4 Scams You Should Know About
4 Scams You Should Know About

As fraud constantly evolves, United Heritage Credit Union reminds members to remain vigilant when it comes to their finances. Outlined in this blog post are a number of common scams that you can...

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FCC Warns of 'Can You Hear Me?' Scam Calls

The Federal Communications Commission is alerting the public to recent "Can you hear me?" scams in which fraudulent callers record a victim's voice over the phone. The fraudsters t...

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United Heritage Credit Union Celebrates 60th Anniversary!

Austin-based United Heritage Credit Union is celebrating 60 years of providing members with superior financial services.

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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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3 Must-Dos Before Buying a Home in Austin
3 Must-Dos Before Buying a Home in Austin

With an average list price of $414,563 for a four-bedroom, two-bathroom house, Austin-area homes are the most expensive in the Lone Star State. Check out these money-saving tips to ensure you do...

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Beware of Ongoing Telephone, Text Message Scams

In response to a variety of recent telephone and text message scams, United Heritage Credit Union wants to remind members of the common signs associated with financial scams so members can preve...

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Scam Alert: Criminals Hack into Apple Devices to Demand Ransom

Criminals are tricking Apple users into sending them money by hacking in to users' Apple accounts and convincing them that their devices have been compromised via a message on their Apple de...

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Jugging Robbery Trend Targets Bank Customers

In lieu of a recent increase of a crime known as jugging, United Heritage Credit Union would like to remind members to be aware of their surroundings when withdrawing cash.

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United Heritage Community Scholarships Awarded

The United Heritage Community Scholarship Committee presented two $5,000 scholarships to Eliza Cain and Zachary Ray at the 2016 Member Appreciation events. 

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Maximize Your Refund with These Tax Tips
Maximize Your Refund with These Tax Tips

Preparation is key to guaranteeing the annual tax deadline doesn't overwhelm you. Check out the following tips on how to reduce stress and increase your refund, or decrease the amount you ow...

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Scam Alert: Telephone Wire Request

In light of a recent scam, United Heritage Credit Union urges members to remember to never arrange the transfer of money or provide personal information to unknown entities.

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Get Financially Fit This Year
Get Financially Fit This Year

The beginning of the year is a great time to get your finances in order. Though money management can seem a bit daunting at first, it doesn't have to be. Check out our advice below to see ho...

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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 y...

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United Heritage Raises $3,450 for Holiday Toy Drive
United Heritage Raises $3,450 for Holiday Toy Drive

With the help of members and staff, United Heritage Credit Union collected more than $3,450 worth of toys for the Austin Police Operation Blue Santa program this holiday season.

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United Heritage Named a Top Workplace

United Heritage Credit Union is thrilled to announce we've been named one of the Austin American-Statesman Top Workplaces for 2015! This marks the sixth consecutive year UHCU has made the li...

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United Heritage Credit Union Accepting Donations for Blue Santa
United Heritage Credit Union Accepting Donations for Blue Santa

United Heritage Credit Union is holding a toy drive from Monday, November 16 to Friday, December 11 to benefit the Austin Police Operation Blue Santa program. With the help of Austin residents, ...

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EMV Cards: What You Need to Know
EMV Cards: What You Need to Know

An EMV card is a standard-size credit or debit card that has a microchip embedded on the front of the card in addition to the traditional magnetic strip on the back.

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5 Factors that Influence Your Mortgage Interest Rate
5 Factors that Influence Your Mortgage Interest Rate

If you're in the market for a new home, you're also in the market for a mortgage loan. And when it comes to loans of any type, it's key to work with a lender you trust. That's wh...

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UHCU.ORG Ranked as Top Responsive Banking Website

Recently the UHCU.ORG website was ranked 7 in The Financial Brand's list of 25 Inspirational & Responsive Banking Website Designs. Responsive websites are those that adjust to the size o...

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Romance Scams Revisited
Romance Scams Revisited

Each year the popularity of online dating increases, the more people become susceptible to online dating scams. Yet, scammers who troll such social sites use the same-old tactics to swindle thei...

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Protect Your Router

In order to steal personal information, like Online Banking credentials, scammers are now sending emails including links that change the settings on your internet router if clicked. Attacks such...

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UHCU Named to Financial Brand's Power 100
UHCU Named to Financial Brand's Power 100

United Heritage is now ranked among the top credit unions in the world (#88) on social media after being named to The Financial Brand's Power 100 list of credit unions.

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IRS-Impersonation Telephone Scam

The Internal Revenue Service (IRS) recently issued a consumer alert regarding an IRS-impersonation telephone scam. The callers claim to be IRS employees, may know information about you and also ...

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Financial Resolutions for the New Year

We're bringing back our first post of 2014 since it contains a lot of valuable information regarding financial resolutions that are still relevant. One of the best things about beginning a n...

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6 Holiday Travel Tips
6 Holiday Travel Tips

This is a great time to visit friends and family. Unfortunately, holiday travel can cause your budget to suffer due to high-priced airline tickets, unexpected lodging expenses and more. Therefor...

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Virtual Currency: 5 Things to Consider

Although virtual currencies like Bitcoin, Dogecoin and XRP have been receiving a lot of press lately, many people are unaware of what they are, how they’re used or the risks associated wit...

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Bash Bug: What You Need to Know

Security experts have recently discovered a flaw in the system software used within most internet-connected devices –even Mac computers. Shellshock affects the Bash application, software t...

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First-Time Homebuyer: 10 Steps to Homeownership
First-Time Homebuyer: 10 Steps to Homeownership

Buying a home is an exciting experience, but it can also be overwhelming. It will probably be the single largest purchase you ever make and it requires thoughtful planning. Therefore, all first-...

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How Much House Can You Afford?
How Much House Can You Afford?

If you’re like most Americans, the question isn’t, “Am I going to finance my new home?” But rather, “What mortgage payment can I afford?”  Before you beg...

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Security Warning: The Heartbleed Bug

An internet vulnerability affecting roughly two-thirds of all websites was recently discovered. Websites that use free, open source forms of encryption (OpenSSL) are at risk. UHCU’s w...

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How to Avoid Online Dating Scams
How to Avoid Online Dating Scams

Nowadays, millions of people turn to online dating websites to find companionship and romance.  Why not, right? The idea and convenience of meeting your soul mate on the internet is allurin...

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UHCU Employees Raise Funds for Dell Children's
UHCU Employees Raise Funds for Dell Children's

United Heritage Credit Union staff members recently raised $460 for Dell Children’s Regional Heart Program by donating $5 each to the charitable organization.

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Your Security is Our Priority
Your Security is Our Priority

United Heritage Credit Union considers the protection and security of our members’ personal information a very serious matter. With this in mind, we launched our new Online Banking system ...

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3 Financial Resolutions

One of the best things about beginning a new year is getting a fresh start. It’s nice to press that imaginary “Reset” button on January 1 and forget about the pitfalls of the p...

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Team United Heritage: 2013 Year in Review
Team United Heritage: 2013 Year in Review

Every month of the year you can catch a member of Team United Heritage in an act of kindness. These are Credit Union employees who voluntarily give of their time, participate in fundraising even...

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7 Holiday Fraud Prevention Tips
7 Holiday Fraud Prevention Tips

The holiday season is quickly approaching, which means spending time with family, putting up fun decorations, preparing tasty food and shopping for holiday gifts. Unfortunately, it also means fr...

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