CD Special & Reward Checking Update at United Heritage Credit Union in Texas


United Heritage Credit Union is offering a special 18-month CD with a 1.38% APY. It's called the Got Green CD Promo, and it's listed at the credit union's promotions page as of 6/29/2011. As usual, it's a limited time promotion.

Those in Austin might remember United Heritage Credit Union's reward checking called Heritage Checking Account. United Heritage was one of the first in Austin to offer a high-interest reward checking account. Back in 2007, the rate was 6.01% APY for balances up to $25K. Both the rate and balance cap have fallen considerably. For new customers, it's now only 1.35% APY for balances up to $10K. My last review of this account was in June 2010.


Membership in United Heritage is open to those who live, work or attend school in Travis, Williamson, Bastrop, Caldwell, Hays, Smith or Wood County, Texas. You can also be eligible via family or select employer groups. Please refer to the credit union's membership page for the full details. Membership requires a minimum deposit of only $1 into the savings account.

Credit Union Overview

United Heritage Credit Union branches are located throughout the Austin metro area and in Tyler in Northeast Texas.

The credit union has an overall health score at of 4 stars (out of 5) with a Texas Ratio of 9.62% (above average) based on March 2011 data. Please refer to our financial overview of United Heritage Credit Union for more details. The credit union is federally insured by the NCUA (Charter # 68251).

How These Rates Compare

If you're in the Austin metro area, there are still a few better reward checking accounts than what United Heritage now offers. You can review these in my survey of the best checking accounts in Austin. Also, Capital One continues to offer a very good checking account deal in the Austin Metro area.

For CD rates, the best nationally available 18-month CD rate is 1.55% APY at Alliant Credit Union (as of 6/29/2011).

Searching for the Best Checking & CD Rates

To search for the best nationwide rates and the best rates in your state, please refer to the CD rates section and the reward checking rates section of Use the "Filter Accounts" button on top of the table to select either nationwide accounts and/or your state.

Related Pages: United Heritage Credit Union, Austin, Tyler, CD rates, checking account

Taco Grande
  |     |   Comment #1
I've been banking with UHCU for almost 6 years now and have had nothing but good experiences with them.  I only set foot in the door a few times/year - but I have absolutely no complaints with any of their services.  The web site is good and even their safety deposit box is a deal.

Their promotional checking account was really amazing but the interest rate has been slowly hatcheted down year after year.  I was a little shocked at my last statement (as the interest looked lower yet again) so I checked their website:

This shows a rate of 1.35% - the same for new accounts and those grandfathered in.  BUT... those with accounts older than 5/2010 get the 1.35% rate on the first 25K in the account.  Those with newer accounts only get that rate on the first 10K.  Then the rate drops to 0.30%.

For those living in the Austin, TX area I suggest giving them a look if you are new to the area or need a new bank/CU.

Special IRA CD Rates at United Heritage Credit Union in Texas - Local Only

This time of year it's common for credit unions to offer deals on their IRA CDs. This year you have until April 18th to make an IRA contribution for 2010. The latest credit union to offer an IRA CD special is United Heritage Credit Union which is advertising the following special rates for three IRA CD terms:

  • 2.85% APY for 5 years
  • 2.00% APY for 3 years
  • 1.50% APY for 2 years

Minimum deposit is $1,000, and there are no maximum deposit (for transfers or rollovers). These special rates don't seem to be listed...

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United Heritage Credit Union in Texas Reopens Rewards Checking with Lower Cap and More Requirements

United Heritage Credit Union has reopened its reward checking account, Heritage Checking. In February 2009, it suspended the opening of new accounts, but the program continued for existing members. At the time when new accounts were suspended, the rate was 5.01% APY on balances up to $25K, Since that time, the rate has fallen for existing members to 3.01% APY.

New Heritage Checking accounts can now be opened. However, the following changes have been made:

  • Balance cap reduced from $25K to $10K
  • Debit card usage requirements increased from 10 to 15 per month
  • 3...

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Competitive CD Specials at United Heritage Credit Union in Texas - Local Only

Update 3/18/2010: These CD specials no longer appear to be listed at the credit union's website.

United Heritage Credit Union is offering three competitive CD specials:

  • 2.30% APY 15-month CD
  • 2.60% APY 30-month CD
  • 3.25% APY 54-month CD

Minimum deposit is $1,000. These specials are listed in the credit union's promotions page as of 3/16/2010.

These specials used to be limited to IRAs, but the special was recently changed to regular CDs.

United Heritage used to offer a reward checking account called Heritage Checking. They stopped offering new accounts about a year ago, but those who had...

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Competitive 15-Month IRA CD at United Heritage Credit Union in Texas - Local Only

United Heritage Credit Union is offering a special 15-month IRA CD with a 2.30% APY. Minimum deposit is $1,000, and there's no maximum. Funds can be a new contribution or a transfer of an existing IRA. The rate is listed at the credit union's promotion page as of 1/26/10. This is very similar to the IRA promotion United Heritage offered last year except the rate is 2 percentage points lower.

United Heritage also offers a reward checking account that currently pays 3.01% APY on balances up to $25K (see post). However,...

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3.01% Reward Checking Account at a Texas CU (United Heritage)

Update 6/27/10: The balance cap has fallen to $10K for new accounts, and the debit card usage requirement  has increased from 10 to 15.

United Heritage Credit Union is offering a reward checking account called Heritage Checking that pays 3.01% APY on balances up to $10K (1.01% on portions over $10K). It also offers automatic ATM reimbursements. The 3.01% and ATM refunds require the typical monthly reward checking conditions: 15 debit card transactions, direct deposit or auto debit ACH and receiving eStatements. Regardless of these conditions, there are no minimum balance...

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