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12208 N Mo Pac Expy
Austin, TX 78758

United Heritage Credit Union is headquartered in Austin and is the 22nd largest credit union in the state of Texas. It is also the 295th largest credit union in the nation. It was established in 1957 and as of March of 2014, it had grown to 197 employees and 55,208 members. United Heritage Credit Union's savings rates are 92% higher than the national average, and it has a A health rating.

Field of Membership Restrictions

You are eligible if you live, work, attend school or have a business located in one or more of the following counties: Travis, Williamson, Bastrop, Caldwell, Hays, Smith, Wood. You can also be eligible via family or select employer groups. - See Details

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Reviews (3)

Unhappy Customer

I have had nothing but bad service from this credit union since I moved my money there in April. Needless to say I will be going elsewhere. Our retirement check stub came in the mail on Friday August 31. Because this bank requires direct deposit we did not receive that check and have no money in our account as of September 1st. The bank says there is nothing that can be done until Tuesday September 4th due to the holiday. If I did not have direct deposit I would have my money. I was told when I had direct deposit if the 1st fell on a Sunday or a holiday the money would be in the bank before that date. Now they get to hold onto my money for 4 each days while I celebrate my birthday tomorrow at home with no money and unable to do anything. Thanks a lot.


member for over 10 years and WAS happy, 2012 totally different story....

 I am moving my money to a bank that doesnt try to offset its looses by passing the buck to its customers. 

***** BEWARE BEWARE BEWARE ****** any and every chance they get to ding your account for money they will, even if it means holding your deposits till after all your debits and checks go through so they can charge you 34 dollars a pop. thats even with direct deposit... 

UHCU can bEEEEEEP me !!!!!! 

My Local Credit Union.

I was surprised to read the other 2 reviews.  I have had pretty good experiences with this credit union.  Now I will preface this review with this.  I have never had a problem with overdrafts or fees as I keep at least $8K in the account.

Granted, the interest rate is not the best.  I remember getting 6% interest on my checking account up to $25K.  Those were the days.  Making $100+ a month in a checking account was great.  I have stayed for the service though.  All the people at the bank recognize me when I come in.  This is quite a different experience that with every other bank I have dealt with.

In response to the direct deposit issue.  I have my paycheck direct deposited and I see the money a full day earlier than most other banks.  Now I will say this.  I took off a star due to the long hold time I have seen on a couple of checks.  The hold time was not outside what was legally allowed, but it was a bit inconvenient.

I recommend United Hermitage on a regular basis.  They provide a very welcoming banking experience, and I genuinely feel they appreciate my business.


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 United Heritage Credit Union had $1.02 million in non-current loans and owned real-estate with $64.93 million in equity and loan loss allowances on hand to cover it. This gives United Heritage Credit Union a Texas Ratio of 1.57% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for United Heritage Credit Union decreased dramatically from 7.45% as of March 31, 2013 to 1.57% as of March 31, 2014, resulting in a positive change of 78.93%.This indicates that the balance sheet and financial strength for United Heritage Credit Union has improved dramatically in recent periods.

Deposit Growth


In the past year, United Heritage Credit Union has increased its total deposits by $37.74 million, resulting in 5.73% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth United Heritage Credit Union has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. United Heritage Credit Union has $774.76 million in assets with $64.93 million in equity, resulting in a capitalization level of 8.38%, which is average.

Institution Statistics

NCUA #68251
Year Chartered1957
Primary Regulator
Assets and Liabilities
Assets$774.76 million
Loans$521.23 million
Deposits$695.98 million
Equity Capital$63.54 million
Loan Loss Allowance$1.39 million
Unbacked Noncurrent Loans$236,000
Real Estate Owned$784,000
Historic Data - March 2013
Assets$732.72 million
Equity Capital$59.40 million
Loan Loss Allowance$1.66 million
Unbacked Noncurrent Loans$236,000
Real Estate Owned$4.13 million
Profit Margin - Quarterly
Net Interest Margin0.95%
Return on Assets0.64%
Return on Equity7.82%
Interest Income$5.94 million
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United Heritage Credit Union Savings Account Rates

1.00%$10k-Independence Account
0.35%--IRA - Variable Rate
0.35%--Roth IRA - Variable Rate
0.25%--Holiday Club Account
0.25%--Student Savings
0.20%$100$2kRegular Savings
0.20%$100$2kSpecial Savings
0.20%$250$2kBusiness Savings

United Heritage Credit Union Money Market Rates

0.60%$100k-VIP Money Market

United Heritage Credit Union CD Rates

1.45%$1k-60 Month CD
1.15%$1k-48 Month CD
0.95%$1k-36 Month CD
0.60%$1k-24 Month CD
0.45%$1k-12 Month CD
0.45%$1k-18 Month CD
0.25%$1k-6 Month CD
0.15%$1k-3 Month CD

United Heritage Credit Union IRA Rates

1.45%$1k-60 Month Fixed Rate IRA
1.15%$1k-48 Month Fixed Rate IRA
0.95%$1k-36 Month Fixed Rate IRA
0.60%$1k-24 Month Fixed Rate IRA
0.45%$1k-12 Month Fixed Rate IRA

United Heritage Credit Union has 13 locations. Click to view all United Heritage Credit Union locations.