United Heritage Austin TX Credit Union | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to United Heritage, your trusted credit union located at 3317 Ranch Road 620 S, Austin, TX 78738. Since our establishment in 1957, we have been dedicated to serving our community and providing exceptional financial services tailored to meet the needs of our members. With a strong membership base of over 80,128 individuals and total assets amounting to an impressive $1,585,933,733, we pride ourselves on being a reliable partner for your financial journey. At United Heritage, we believe that everyone deserves access to quality financial products. Our offerings include personal banking solutions such as checking and savings accounts, auto loans, mortgages, credit cards with rewards, and business banking services like merchant services and business loans. We are here not just to provide services but to support you every step of the way. While members can visit us at our branch location, official correspondence should be sent to PO Box 202020, Austin, TX 78720. Our team is led by CEO Michael Ver Schuur and supported by Board President Val Velasquez, both committed to ensuring that our operations align with the best interests of our members. We understand that trust is built on transparency. That's why we maintain a healthy net worth of $152,535,233 and hold total deposits of $189,105,834. We also ensure liquidity with $5,626,216 in cash on hand for your needs. We invite you to explore what makes United Heritage unique. Whether you're looking for a loan or simply want guidance on managing your finances better, our friendly staff is here to help. Feel free to reach out at 512-435-4545, or visit us during our lobby hours from Monday through Friday from 9 AM to 5 PM or drive-thru hours from 8:30 AM to 6 PM. Come see how we can make a difference in your financial life!

Branch History & Mission

At United Heritage, our journey began in 1957, when we opened our doors in the vibrant community of Austin, Texas. Over the decades, we have grown from a small credit union into a robust financial institution that proudly serves over 80,000 members. Our main branch is located at 3317 Ranch Road 620 S, Austin, TX 78738, making it convenient for you to visit us and experience our personalized service. From the start, our mission has been clear: to empower individuals and families through exceptional financial services while actively supporting our community. We believe that everyone deserves access to quality banking options that help them achieve their financial dreams. With total assets exceeding $1.5 billion, we are committed to providing a range of products tailored to your needs from checking and savings accounts to auto loans and mortgages. Our branch operates with a focus on accessibility and convenience. We offer both drive-thru banking and ATM services for quick transactions. You can reach us by phone at 512-435-4545 during our lobby hours from Monday to Friday, 9 AM to 5 PM, or use our drive-thru service during extended hours until 6 PM on weekdays and until 2 PM on Saturdays. United Heritage is more than just a credit union; we are deeply invested in the well-being of our members and the local community. Our partnerships with various organizations allow us to engage in outreach programs that make a real difference. Whether it's sponsoring local events or providing financial education resources, we strive to uplift those around us. As we look toward the future, we continue to embrace digital advancements that enhance your banking experience. Our online and mobile banking platforms ensure you have easy access to your accounts anytime, anywhere. We also prioritize ADA compliance so that all members can navigate our services without barriers. If you're looking for a supportive financial partner dedicated to your success and community betterment, consider joining United Heritage today. Together, let's build a brighter financial future!

Branch Location & Accessibility

Welcome to United Heritage, your friendly neighborhood credit union located at 3317 Ranch Road 620 S in beautiful Austin, Texas. Nestled in the heart of Travis County, our branch is not just a place to bank; it's a community hub where members can connect and thrive. Whether you're heading to the nearby Lakeway Town Center for shopping or enjoying a day at the scenic Lake Travis, we're conveniently situated to serve you. At United Heritage, we understand that accessibility is key. Our branch is equipped with ADA-compliant features and offers ample parking for all visitors. If you're looking to quickly deposit a check or withdraw cash, our drive-thru service is available during convenient hours, making banking on-the-go a breeze. For those who prefer coming inside, our lobby is open Monday through Friday from 9 AM to 5 PM, allowing you to conduct your banking needs at your convenience. For any official correspondence, please note that while you can visit us at our branch address, mail should be sent to PO Box 202020 in Austin, TX 78720. This helps ensure that your important documents are handled efficiently. We are proud to offer a range of services tailored to meet your needs from personal banking options like checking and savings accounts to auto loans and mortgage refinancing. Need quick cash? Our ATM is available for withdrawals and balance checks anytime! So why wait? Come by United Heritage today or give us a call at 512-435-4545. We look forward to welcoming you and helping you with all your financial needs!

Member Eligibility

At United Heritage, we believe that everyone deserves a chance to be part of a community that cares about their financial well-being. Becoming a member is easy and welcoming, inviting you to enjoy the numerous benefits we offer. If you live, work, or worship in our local area, you may be eligible to join us. We also welcome family members of current members, making it a wonderful opportunity for shared growth and support. To dive deeper into the specific eligibility criteria, feel free to visit this link for up-to-date information. Opening an account with United Heritage is a straightforward process designed to get you started on your financial journey quickly. Our friendly staff is ready to assist you every step of the way, whether you prefer visiting us at our branch located at 3317 Ranch Road 620 S Austin Tx 78738 or giving us a call at (512) 435-4545. We can't wait to welcome you into our family and help you take advantage of all the great services we provide!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $48 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $5 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $168,679,017, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Work

But it's not just about loans; we also provide essential merchant services that simplify your daily operations. Imagine having a reliable payment processing system that keeps your cash flow steady while you focus on what you do best running your business. Our solutions are designed to enhance your customer experience, making transactions smoother and more efficient. If you're ready to take your business to the next level, contact us at (512) 435-4545 or visit us at United Heritage today!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

If you're in the market for a new car or need to refinance your current vehicle, our auto loans and vehicle financing solutions are designed to help you get behind the wheel without breaking the bank. With competitive rates and flexible terms, we make it easier than ever for you to drive off in the car you've always wanted.

Business Banking

If you're a business owner, we understand that managing finances can be challenging. That's why our business banking services, including merchant services and business loans, are tailored to support small businesses like yours in growing and thriving.

Credit Cards with Rewards

For those who love to earn while they spend, our credit cards with rewards program offers cash back on everyday purchases. It's a great way to maximize your spending power while enjoying exclusive benefits.

Easy Access Services

At United Heritage, convenience is key. With our ATM and cash withdrawal services, you can access your funds anytime. Plus, our basic drive-thru banking allows for quick deposits and withdrawals without leaving your vehicle perfect for those on-the-go moments. We invite you to experience all these services and more at our branch in Austin. If you have any questions or would like more information about how United Heritage can assist you in reaching your financial goals, please don't hesitate to call us at 512-435-4545. Let us be part of your financial journey today!

Mortgage Loans & Refinancing

Buying a home is one of the biggest decisions you will ever make. At United Heritage, we provide comprehensive mortgage loans and refinancing options that cater to first-time buyers as well as seasoned homeowners looking to lower their monthly payments. Our experienced team is here to guide you through every step of the process.

Personal Banking

Whether you're opening your first checking account or saving for a dream vacation, our personal banking services have you covered. We offer checking and savings accounts that fit various lifestyles, making it easy for you to manage your money effectively. Imagine having quick access to your funds with our convenient online and mobile banking options. You can check balances, transfer money, and even deposit checks from the comfort of your home.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way. That's why we offer personal loans and debt consolidation options that give you the financial flexibility you need during tough times. Whether it's medical bills or home repairs, our loans can help ease your burden.

Digital & Online Banking

Key Features

Our online banking service is available 24/7, allowing you to check balances, pay bills, and transfer funds whenever it suits you. Whether you're at home or on the go, you can rely on our user-friendly platform for all your banking needs. And with features like electronic signature authorization, signing documents is quick and secure no more printing or mailing required! You can also take advantage of e-statements, which let you view your financial statements electronically. This not only helps reduce paper clutter but also makes accessing your account information faster and easier. Plus, if you prefer making payments through your phone, our mobile payments feature allows you to do just that paying friends or businesses is simple and fast.

Mobile Application

For those who like banking on the move, our mobile application is a perfect fit. It offers all the essential features of our online platform right in the palm of your hand. You can perform person-to-person transfers effortlessly, ensuring that sending money to friends and family is both quick and hassle-free. We prioritize security in all our digital services. Our systems are designed to keep your personal information safe while providing easy access to your accounts. With these tools at your disposal, managing your finances is straightforward and stress-free. Discover how easy it is to handle your banking needs with the innovative digital services at United Heritage. Visit us online today at http://www.uhcu.org and experience a new level of convenience!

Financial Strength

A Solid Foundation

With a net worth of $152,535,233, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $962 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Investing Back into Our Community

With $152,214,574 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our commitment to supporting your financial goals is reflected in our lending capacity; we offer $13,383 in used auto loans and have a total of $1,260,390,747 in loans and leases available for you.

Member-Centric Savings

Members' savings are secured through $326,021,337 in share certificates and $168,703,037 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $82,720,798, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our operational efficiency is highlighted by a net income of $0, which enables us to continue providing competitive loan rates and solid financial products for our members. We take pride in having 224 full-time employees and 1 part-time employees who are always ready to assist you with their knowledge and dedication.

Trust Built on Transparency

With total share accounts numbering 166,356, it's clear that many trust us with their finances. This growing member base showcases the confidence placed in United Heritage, where your needs always come first. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, United Heritage is your trusted partner. Visit us at 3317 Ranch Road 620 S Austin Tx 78738 or call (512) 435-4545 to learn more about how we can help you achieve your financial goals.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $302,813,837 in used vehicle loans and $103,850,685 in new vehicle loans already helping members get on the road. We provide financing options for both new and used vehicles, making it easier for you to drive away in your dream car.

Commercial Loans

For business owners, our outstanding commercial loans totaling $168,679,017 provide the capital needed to grow and expand. We understand the unique challenges faced by businesses today and are here to support your ambitions. If you're considering refinancing your current loans or exploring eligibility options, our team is ready to assist you in finding solutions tailored specifically to your needs. Remember, performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Feel free to reach out via phone at (512) 435-4545 or visit us at 3317 Ranch Road 620 S Austin Tx 78738, Austin, TX for more information on how we can help you take the next step in your financial journey!

Credit Lines and Personal Loans

In addition to auto and mortgage loans, we also offer credit lines totaling $736,399,864, providing you with the flexibility to manage your finances as needed. If you're looking for ways to consolidate debt or cover unexpected expenses, our personal loan options can help bridge the gap without adding unnecessary stress.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $75,964,328, make buying or refinancing simple. We believe that securing a place to call home should be straightforward and accessible.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $0 in loans helping members manage their finances effectively. This option can be great for those who want a bit more control over their spending without having to secure it against any assets.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This commitment to transparency means that users can trust the loan offers they see on the platform. Every listing is verified, ensuring that you receive fair and accurate comparisons.

United Heritage