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financial history . teen checking our freedom account tailored for ages 12 17 . vip money market tiered interest rates with unlimited deposits . compare all savings accounts regular savings your gateway to all member services and products . special savings customizable account to help you save for something special . independence savings maximize your savings at a higher rate . holiday savings stuff this stocking to prepare for the holidays . student savings designed exclusively for our members under 18 . coverdell education plan for your child s education with tax free growth . compare all youth accounts teen checking our freedom account tailored for ages 12 17 . student savings designed exclusively for our members under 18 . coverdell education plan for your child s education with tax free growth . debit cards debit cards access your money instantly . added benefits online banking mobile banking instant issue debit cards branch services atm network become a member vehicle loans auto loans let us take the stress out of the car buying process . apply now auto refinance enjoy lower interest rates and smaller payments when you refinance . apply now other vehicle loans great rates on motorcycle rv & boat loans . apply now auto calculators calculate the best auto loan term to fit your budget . real estate loans mortgage loans flexible financing options for the home of your dreams . apply now home equity loans access cash using the equity you ve built in your home . apply now mortgage calculators estimate monthly mortgage payments how much house you can afford and more . personal loans personal loans access to the money you need when you need it . apply now line of credit have peace of mind you ll be able to handle fluctuations in your finances . apply now cd secured loans establish credit or borrow money without a co signer . apply now credit cards credit cards industry leading cards with competitive rates and benefits . added benefits competitive low interest rates . sign most loan documents electronically with docusign . personalized service from your uhcu loan specialist . get started personal insurance auto insurance protect yourself and your car . homeowners insurance safeguard your home and the things in it . renters insurance cover your possessions against losses from fire smoke theft and more . motorcycle insurance enjoy the open road with coverage on your ride . recreational insurance secure coverage for your rv boat or atv . business insurance business insurance get quotes for several facets of your business . business owners policy quote get a quote to insure your business in the event of damages or loss . commercial auto quote determine the coverage you need for business vehicles . commercial property quote prepare your business for anything with commercial property insurance . general liability quote make sure your business has sufficient liability coverage . workers compensation quote protect your business and your employees . cyber breach quote keep your business safe from a cyber breach . additional products telemedicine access to quality medical care 24 hours a day 7 days a week . pet insurance give your furry family members the health care they deserve . added benefits insurance faq contact us get a quote insurance services are provided through uhcu insurance services llc . a united heritage credit union partner . cds cds tiered interest paid quarterly ; terms from three to 60 months . iras variable rate ira call the shots with this flexible option . fixed rate ira deposit a fixed amount while earning higher returns . financial advisor lpl financial our partnership with lpl financial will put you on the right track with investment services insurance products and information access . added benefits glossary of financial terms financial literacy starts with understanding financial terms . calculators use our auto and mortgage calculators to estimate the loan terms that best fit your budget . online services online banking online transactions make banking a breeze . mobile banking access your account any time anywhere from your phone . rates & fees checking rates view rates and requirements for all uhcu checking accounts . loan rates view rates and requirements for all uhcu loans . savings investment rates view rates and requirements for all savings and investment opportunities . fee schedule costs for our products and services . member services personalized services accounts and products to fit your unique needs . convenience services web billpay and direct deposit make money management simple . branch services we go way beyond deposits and withdrawals at our branches . tax services don t let tax season stress get you down . added benefits become a member at uhcu we go above and beyond for our members . join the uhcu family and see how we make banking personal . join now notification online banking mobile banking and phone banking will have intermittent availability tonight october 16 from 11 00 pm to 3 00 am due to system maintenance . find a uhcu branch atm find it help introducing uhcu insurance services llc . get affordable coverage for your most valuable assets . learn more find a uhcu branch atm find it help home equity loans as low as 2.75 % apr apply in minutes . get started find a uhcu branch atm find it help auto loans as low as 1.79 % apr apply in minutes . get started welcome to uhcu find a uhcu branch atm find it featured calculators use our financial calculators to quickly estimate loan amounts terms monthly payments and more . learn more mobile check deposit deposit checks to your united heritage account anytime anywhere using the uhcu mobile app on your mobile device . get started today . learn more auto loans fully loaded auto loans as low as 1.79 % apr on new pre owned or refinanced vehicles . apply in minutes now . learn more home equity loans apply today for home equity loans as low as 2.75 % apr. access your money lower your fixed rate and lower your payment . learn more quick links convenient access mobile banking online banking large atm network competitive rates auto loans home mortgage loans advantage money market personalized service instant issue debit cards direct deposit overdraft protection experienced advice protect yourself against fraud build compounding wealth plan for life events beyond banking more than accounts and transactions we take a personal approach to your financial needs . take a closer look and see how united heritage is better . get to know us who we are our history is a credit union right for you don t take our word for it united heritage charity foundation stay connected news & events sign up for our newsletter united heritage blog security center follow us on contact uhcu all account services se habla espa ol austin central texas 512.435.4545 tyler 903.597.7484 toll free llamada gratuita 800.531.2328 ask uhcu.org ayuda uhcu.org careers rates & fee schedules privacy & disclosures site map review posts are subject to uhcu policy 2016 united heritage credit union you are now leaving the uhcu site . you are leaving uhcu s website . our website contains links to third party sites and other resources not controlled operated by uhcu . once you are linked to another site you are subject to the privacy security policies and terms of use of the new site which may differ from those of uhcu . united heritage credit union is not responsible for the content on any linked site and represents neither you nor the third party in the event you enter into an agreement or transaction . continue go back you are leaving united heritage credit union s website and entering the website of the united heritage charity foundation . once you are linked to this site you are subject to the privacy security policies and terms of use of the uhcf website which may differ from those of uhcu . united heritage credit union represents neither you nor the third party in the event you enter into an agreement or transaction with uhcf . continue go back sign in help please note a secure access code is required the first two times you sign in to your online banking account . new uhcu member quick start guide uhcu online banking guide more online banking help welcome to the new online banking united heritage has launched its new online banking system . please read each option below before making your selection . if this is your first time signing in to your account on or after september 17 please click yes below . first time signing in to online banking on or after september 17 yes this is my first time . no i already signed in on or after 9.17 new to uhcu and or online banking i m new to uhcu . this process to sign in to your account is temporary as we work towards making all members comfortable with the new system . we appreciate your understanding during the transition .