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12208 N Mo Pac Expy
Austin, TX 78758

United Heritage Credit Union is headquartered in Austin and is the 20th largest credit union in the state of Texas. It is also the 301st largest credit union in the nation. It was established in 1957 and as of December of 2016, it had grown to 203 employees and 58,983 members at 12 locations. United Heritage Credit Union has an A health rating.

Field of Membership Restrictions

Membership in United Heritage Credit Union is open to those who live, work, attend school or have a business located in Travis, Williamson, Bastrop, Caldwell, Hays, Smith, or Wood counties. Membership is also open to employees of Anson General Hospital, Brownsville Medical Center, Citizens Medical Center and other healthcare-related Select Employer Groups.
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Reviews (3)

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.

Unhappy Customer

Posted by: dianem0779 | Sep 1, 2012

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.


Posted by: UHCUBLOWS | Jul 13, 2012

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 !!!!!! 


Health Grade Components

NCUA #68251
Year Chartered1957
Primary Regulator
Profit Margin
Return on Assets - YTD0.58%
Return on Equity - YTD7.2%
Annual Interest Income$26.5MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$896.5MM$865.6MM
LoansQ4 2016vs Q4 2015$741.8MM$633.1MM
DepositsQ4 2016vs Q4 2015$813.1MM$787.0MM
Equity CapitalQ4 2016vs Q4 2015$71.9MM$68.0MM
Loan Loss AllowanceQ4 2016vs Q4 2015$1.9MM$1.1MM
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$1.3MM$727.00K
Real Estate OwnedQ4 2016vs Q4 2015$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

United Heritage Credit Union Savings Account Rates

1.00%*$10k*-Independence Account
OTHER TIERS: 0.50% $100 - $5k | 0.75% $5k - $10k
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
OTHER TIERS: 0.15% $2k+
0.20%*$100*$2kSpecial Savings
OTHER TIERS: 0.15% $2k+
0.20%*$250*$2kBusiness Savings
OTHER TIERS: 0.15% $2k+

United Heritage Credit Union Money Market Rates

0.40%*$100k*-VIP Money Market
OTHER TIERS: 0.10% $2,500 - $10k | 0.15% $10k - $25k | 0.30% $25k - $100k

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 12 locations. Click to view all United Heritage Credit Union locations.