All UHCU branches will be closed on Tuesday, December 24 and Wednesday, December 25. Branches will be open for normal business hours on Thursday, December 26.

We're glad you're here.

Watch Your Savings Grow!

Round up your debit card purchases for automatic savings.


Hot Chocolate Mug
2024 Central Texas Food Bank Donation Drive

Buy a Mug, Give a Meal

This holiday season, let's come together to spread warmth, joy, and generosity. United Heritage Credit Union is thrilled to host a donation drive with the Central Texas Food Bank.

For just $15, you can purchase a special hot chocolate kit that warms your heart and supports our neighbors in need.* If you prefer, you can make a monetary donation directly to the United Heritage Charity Foundation Venmo account (@UHCF_). Every $1 Donated = 2 Meals.

*Available at all UHCU branches while supplies last.

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.

Visit Our Security Center
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

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

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!

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.

Map of Texas
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:

Contact Us
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.