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United Heritage Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.uhcu.org
512-435-4545
12208 N Mopac Expy
Austin, TX 78758

United Heritage Credit Union is headquartered in Austin and is the 21st largest credit union in the state of Texas. It is also the 294th largest credit union in the nation. It was established in 1957 and as of March of 2025, it had grown to 227 employees and 80,998 members at 11 locations. United Heritage Credit Union has a B+ health rating.

Field of Membership Restrictions

Membership in United Heritage Credit Union is open to Texas residents who belong to the Texas Consumer Council. Those who live, work, attend school, or have a business located in the Texas counties of Bastrop, Bell, Blanco, Burnet, Caldwell, Hays, Lee, Milam, Travis, Williamson, Cherokee, Gregg, Henderson, Rusk, Smith, Upshur, Van Zandt or Wood are also eligible to join. Family members of a current UHCU members also qualify for membership.
See current membership details

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Health
B+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #68251
Year Chartered1957
Employees227
Primary Regulator
Profit Margin
Return on Assets - YTD0.55%
Return on Equity - YTD5.97%
Annual Interest Income$18.2MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$1.62B$1.55B
LoansQ1 2025vs Q1 2024$1.23B$1.28B
DepositsQ1 2025vs Q1 2024$1.31B$1.29B
Equity CapitalQ1 2025vs Q1 2024$148.9MM$139.4MM
Loan Loss AllowanceQ1 2025vs Q1 2024$5.2MM$3.6MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$11.4MM$10.5MM
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates

Sorry, we do not have rate data for United Heritage Credit Union.

Locations

Availability



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