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. 
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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!
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Don't settle, go metal! 

UHCU is now offering metal debit cards for all checking accounts. Order your metal debit cards today for just $35/card*. Take advantage of unmatched durability, contactless payments, surcharge-free ATMs and more!
 
Metal cards are not available for instant-issue. All cards will be mailed to the address on file. Regular price is $35. Replacement cards will be $50.
 

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Metal debit card front

Ready to Elevate Your Everyday?

UHCU Metal Debit Card

The UHCU Metal Debit Card offers a range of benefits beyond its stunning design:

  • Unmatched Durability: Scratch-resistant and virtually unbreakable, this card is built to withstand the wear and tear of everyday use.
  • Contactless Payments: Enjoy the convenience of tap-and-go transactions wherever contactless payments are accepted.
  • Surcharge Free ATMs: Gain access to hundreds of free ATMs within the greater Texas area.
  • Fraud Protection: UHCU uses VISA Falcon Fraud Prevention Service to continually monitor your card activity as well as identify and prevent fraudulent transactions on your account.
The Metal Debit Card is available for $35. Order yours today! 

Order Metal Card

UHCU Metal Debit Card

Ready to Elevate Your Everyday? Order Metal Card

ATM Network

We understand that easy access to your accounts is important when it comes to selecting your financial partner. In order to better serve you, we have joined several ATM networks, providing our members access to hundreds of free ATMs throughout the Greater Texas area.

Surcharge Free ATMs via the Alliance of Austin Credit Unions

In the spirit of financial cooperatives, participating Austin-area credit unions have joined forces to provide members with a free network of ATMs. All members of participating credit unions have the added convenience of using any ATM within the network free of charge. For free access to your money, visit any ATM location listed on the Alliance of Austin Credit Unions website using the button below.

Surcharge Free ATMs via CO-OP

As an added benefit to our members, surcharge free ATMs are also available through our membership with CO-OP. For additional free access to your money, visit any ATM location listed on the CO-OP website using the button below.


Free ATMs are available at United Heritage branch locations as well as:
  • Texas National Guard Camp Mabry Base (Once granted access to Camp Mabry)
  • Altra Federal Credit Union, Tyler

Austin Alliance ATMs CO-OP ATMs

Fraud Protection

To better protect you, UHCU uses VISA Falcon Fraud Prevention Service to continually monitor your card activity as well as identify and prevent fraudulent transactions on your account.

Visit our Security Center to learn more about how United Heritage protects your account from debit card fraud and our Fraud Protection page to learn how you can protect yourself.

To report a lost or stolen debit card after hours, please call 888.241.2510. If you are out of the country, please call 909.941.1398.
 


Membership required. A $35 fee will be charged to your account upon submission and processing of the order form. Replacement metal cards are $50. Funds for the cost of the card must be available in the member’s account at time of sign-up to qualify. All metal cards will be mailed. Instant issue not available for metal cards.

See Fee Schedule for applicable fees.
Use of debit card may incur fees from other banks.
Electronic Fund Transfers Disclosure