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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Find the right account for you.

At United Heritage Credit Union, saving money is effortless with our numerous high-yield savings accounts. No matter what you’re saving for or how quickly you’d like to see your funds grow, there's a UHCU savings account that’s perfect for you. United Heritage members can have multiple savings accounts and manage them all within Online Banking and Mobile Banking -- making it easy to reach individual savings goals.

Most Popular Additional Savings Accounts Homebuyer Savings
Regular Savings Get access to all UHCU offerings with $1 in a Regular Savings account.
Homebuyer Savings Save for a home while earning a higher return on your investment.
Minimum Opening Balance
$1
$100
Minimum Balance
$1
$100
Monthly Service Fee
$0
$0
ACCOUNT PERKS
Access to Cash
Flexible
Flexible
Dividends
Paid quarterly on balances exceeding $100
Paid monthly on balances exceeding $100
SAVINGS BENEFITS
Unlimited Deposits
Free Online / Mobile Banking
Insured
Up to $250,000
Up to $250,000
Other Benefits
Waived wire fees*
Open an Account
Learn More
Independence Savings Get a higher return on your investment with this account.
Special Savings The perfect way to save for something special.
Student Savings Educate your student on the importance of saving.
Minimum Opening Balance
$100
$1
$0
Minimum Balance
$100
$0
$0
Monthly Service Fee
$0
$0
$0
ACCOUNT PERKS
Access to Cash
Flexible
Flexible
Flexible
Dividends
Paid monthly on balances exceeding $100
Paid quarterly on balances exceeding $100
Paid quarterly 
SAVINGS BENEFITS
Unlimited Deposits
Free Online / Mobile Banking
Insured
Up to $250,000
Up to $250,000
Up to $250,000
Other Benefits
Open an Account
Open an Account
Open an Account
Homebuyer Savings Save for a home while earning a higher return on your investment.
Minimum Opening Balance
$100
Minimum Balance
$100
Monthly Service Fee
$0
ACCOUNT PERKS
Access to Cash
Flexible
Dividends
Paid monthly on balances exceeding $100
SAVINGS BENEFITS
Unlimited Deposits
Free Online / Mobile Banking
Insured
Up to $250,000
Other Benefits
Waived wire fees*
Woman saving for education
Coverdell Education Savings Account (CESA)

Start education savings today.

With education costs on the rise, it's wise to start saving for a child’s primary, secondary or higher education as early as possible. UHCU's Coverdell Education Savings Account (CESA) allows you to put aside money for a student's educational expenses -- such as tuition, fees, books, supplies and housing. Any contributions you make to the Coverdell Education Savings Account (CESA) earn interest and are free from federal taxation as long as they are used to pay for qualifying education expenses and withdrawn before the child reaches 30. This is the perfect way for parents and family members to help fund expensive education costs. For more information on restrictions and benefits, contact your tax advisor.

  • ANNUAL contributions cannot exceed $2,000/year
  • TAX-FREE earnings
  • CONTRIBUTIONS made until beneficiary is 18 years old
  • EARNINGS to be used on educational expenses: tuition, fees, books, supplies, equipment, housing

Coverdell Education Savings Account Amendment

Please review a copy of the Amendment that includes changes made to a law and policy that affect your IRA.  If you have any questions regarding the changes, call us at 800.531.2328 and press "0" to speak with a Telephone Service Representative.

Start Saving Today


Membership/Regular Savings required for all savings accounts.
Par value of one share is $1.
Programs (including without limit, fees, rates and features) are subject to change without notice.
See Rates & Fees for applicable dividends and fees. Fees may reduce earnings.
See Fee Schedule for applicable fees.
Independence Savings Account: Requires a 30-month investment term. Early withdrawal subject to loss of dividends.
Holiday Account: Early withdrawal closes account.
Student Savings: Required membership account for members under the age of 18. Adult signer required. Converts to a Regular Savings when member turns 18 years old.