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.
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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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Helping Veterans Find a Place to Call Home

At United Heritage Credit Union, our roots are in the military. Founded as the official credit union of Bergstrom Air Force Base in 1957, we understand the sacrifices made by those who serve. With our VA loans, we offer eligible service men and women the opportunity to become homeowners.
Apply for a VA Loan
UHCU VA Home Loan Benefits

Qualifying for a VA Loan

When you apply for a VA Loan, we'll want to make sure you have sufficient income and that you're eligible for this type of loan. If your situation meets the VA's guidelines for type and length of service, a Certificate of Eligibility will be issued to confirm you're eligible. If you haven't already requested one, we'll apply for your Certificate of Eligibility to save you some time.

To qualify for a VA Loan with United Heritage, we recommend having a credit score of at least 620 and a debt-to-income ratio of no more than 50%.

Ready to Get Started?

Ready to Get Started?

Our experienced loan specialists are ready to help you every step of the way. Submit an application now to get started. We'll reach out to answer any questions you may have.

Apply Now

United Heritage Credit Union is a VA approved lender; not endorsed or sponsored by the Dept. of Veterans Affairs or any government agency. United Heritage policies, terms, conditions and restrictions apply. Rates and fees subject to change without notice. Membership required. Closing costs apply. A fee of up to $23.65 may be assessed on credit reviewed applications regardless of loan funding. Equal Housing Opportunity. NMLS #630601.