United Heritage Austin TX Credit Union | Low Mortgage Rates & Quick Personal Loans

Introduction

Welcome to United Heritage, your trusted partner in financial well-being since 1957. Located conveniently at 6400 Menchaca Rd, Austin, TX 78745, our branch is committed to serving the vibrant community of Austin. As a proud member of the United Heritage family, you join over 80,000 fellow members who benefit from our extensive range of personalized banking services. At United Heritage, we understand that your financial goals are unique. That's why we offer tailored solutions including checking and savings accounts, auto loans, mortgage financing, personal loans, and business banking options. With total assets exceeding $1.58 billion and total deposits of $189,105,834, you can trust that your money is safe with us. Our team of dedicated professionals is led by CEO Michael Ver Schuur and Board President Val Velasquez, both of whom are deeply invested in ensuring that every member receives exceptional service. Our friendly staff is here to guide you through every step of your financial journey. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to our mailing address at PO Box 202020, Austin, TX 78720. Whether you need assistance in person or prefer the convenience of online banking services available at uhcu.org, we're always here to help. Feel free to reach out to us at 512-435-4545 during our lobby hours from Monday to Friday, 9 AM to 6 PM, or Saturday from 9 AM to 2 PM. Our drive-thru service operates Monday through Friday from 7:30 AM to 6:30 PM and Saturday from 9 AM to 2 PM for your convenience. Join us at United Heritage today and experience a credit union that truly cares about its members!

Branch History & Mission

Welcome to United Heritage, a cornerstone of financial stability and community growth in Austin, Texas. Established in 1957, our branch has grown from its humble beginnings into a trusted financial institution serving over 80,000 members. Our journey reflects a deep commitment to our community and an unwavering focus on providing exceptional financial services. Located at 6400 Menchaca Rd, Austin, TX 78745, we are easily accessible for all your banking needs. Nearby landmarks include the vibrant South Austin neighborhood and the bustling local shops that embody the spirit of our community. Whether you need to visit us for a loan consultation or to discuss your savings options, we are here for you. At United Heritage, our mission is straightforward yet powerful: to empower our members through reliable financial solutions while fostering a supportive community environment. We believe in making banking more personal offering everything from checking and savings accounts to auto loans, mortgage refinancing, and business banking services. Our commitment goes beyond finances; we strive to uplift those around us through community outreach programs and partnerships that make a difference. In addition to our robust range of services, we are proud of our modern banking capabilities. Our lobby hours are convenient Monday through Friday from 9 AM to 6 PM and Saturday from 9 AM to 2 PM with drive-thru service available Monday through Friday from 7:30 AM to 6:30 PM and Saturday from 9 AM to 2 PM. We also provide ATM access for quick transactions at any time. Digital advancements are important to us as well; we offer online and mobile banking services that allow you to manage your accounts effortlessly. With features like electronic signatures and mobile payments, we ensure that your banking experience is both secure and user-friendly. While members can visit us at 6400 Menchaca Rd Austin Tx 78745, official correspondence should be sent to PO Box 202020, Austin, TX 78720 if needed. For any inquiries or assistance, feel free to reach out at 512-435-4545. As we continue to grow now boasting total assets of over $1.58 billion we invite you to join United Heritage. Experience firsthand how we blend financial expertise with heartfelt community support. Together, let's build a brighter future!

Branch Location & Accessibility

Accessibility Features

Our branch is designed with accessibility in mind. You'll find ample parking available, including spaces specifically designated for those who need extra assistance. The building complies with ADA standards, ensuring that everyone can comfortably access our services. If you prefer to conduct transactions without leaving your car, take advantage of our drive-thru banking service. It's open Monday through Friday from 7:30 AM to 6:30 PM and Saturday from 9:00 AM to 2:00 PM.

Call to Action

We invite you to come visit us at the South Austin branch! Our dedicated team is ready to help you achieve your financial goals. If you have any questions or need assistance before your visit, don't hesitate to give us a call at 512-435-4545. We look forward to seeing you soon!

Operating Hours

We know your time is valuable, which is why we offer flexible hours tailored to fit your schedule. Our lobby is open Monday through Friday from 9:00 AM to 6:00 PM and Saturday from 9:00 AM to 2:00 PM. Whether you want to set up a new account, discuss loan options, or simply withdraw cash from the ATM (which is available on-site), we're here during these hours to assist you.

Services Offered

At United Heritage, we pride ourselves on offering a range of financial services designed just for you. From personal banking products like checking and savings accounts to auto loans and mortgages, we have solutions for individuals and businesses alike. Plus, our online and mobile banking options make managing your finances easier than ever no matter where life takes you.

Member Eligibility

Joining the United Heritage family means becoming part of a warm and supportive community that truly cares about your financial well-being. If you're looking to become a member at our branch located at 6400 Menchaca Rd, Austin, TX 78745, you'll be pleased to know that eligibility is quite inclusive. Generally, anyone who lives, works, or worships in the area can join us. This means you're not just gaining access to great financial services, but also joining a group that values connection and support. Getting started is simple! You can check all the specific eligibility criteria on our website at . If you have any questions or need assistance, feel free to give us a call at (512) 435-4545. We're excited to welcome you into our community and help you take the first steps towards achieving your financial goals! For more information on opening an account, visit .

Business Banking & Commercial Services

Financing Options That Work for You

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 for Everyday Needs

In addition to lending, we offer merchant services designed to make daily transactions smoother. Imagine having a payment processing system that seamlessly integrates with your operations, allowing you to accept various payment methods easily. This not only improves customer satisfaction but also streamlines your financial management. Located at 6400 Menchaca Rd Austin Tx 78745 in Austin, TX, we invite you to explore how our business banking and commercial services can support your unique vision and goals. Let's grow together! For more information, contact us at (512) 435-4545.

Comprehensive List Of Services

Business Services

At United Heritage, we also cater to small business owners. Our business banking services, including merchant services and business loans, are designed to support your entrepreneurial journey. We believe in helping local businesses thrive by offering flexible financing solutions.

Connect With Us

We invite you to explore these offerings further by visiting us at United Heritage located at 6400 Menchaca Rd Austin Tx 78745, or give us a call at (512) 435-4545. Our team is ready to assist you with any questions or help you get started on your financial journey today!

Digital Banking Convenience

In today's fast-paced world, we recognize the importance of convenience. That's why we offer robust online and mobile banking platforms that allow you to manage your accounts from anywhere at any time. You can easily check balances, transfer funds, pay bills, and more right from your smartphone or computer. Additionally, for quick transactions, our ATM services provide easy access for withdrawals and balance checks without needing to visit the branch. If you prefer personal service for deposits or simple transactions, our basic drive-thru banking is available during convenient hours.

Home Financing

For those looking to buy a home or refinance an existing mortgage, our mortgage loans and refinancing services are tailored to help you navigate the process smoothly. We know that securing a mortgage can feel overwhelming, but our experienced staff will guide you every step of the way.

Loans & Credit

If you need extra cash for unexpected expenses or want to consolidate debt, our personal loans and debt consolidation options can help alleviate some financial pressure. Plus, our credit cards with rewards allow you to earn points on everyday purchases, making it easier to enjoy benefits while spending.

Personal Banking

Starting with personal banking, we offer various checking and savings accounts designed to help you manage your finances effectively. Whether you're saving for a vacation or planning for everyday expenses, our accounts come with features that make banking easy and accessible. In addition, if you're considering purchasing a vehicle, our auto loans and vehicle financing options provide flexible terms to fit your budget. We understand that buying a car is an important decision, so we strive to offer competitive rates and quick approvals.

Digital & Online Banking

At United Heritage, we understand that convenience and security are essential in today's fast-paced world. That's why we offer a range of digital and online banking services designed to put you in control of your finances anytime, anywhere. Our online banking platform is available 24/7 at http://www.uhcu.org, allowing you to manage your accounts with ease. Whether you need to check your balance, transfer funds, or pay bills, everything is just a few clicks away. You'll also appreciate the option for e-statements, making it easy to keep track of your finances without the clutter of paper. With our mobile application, banking on the go has never been simpler. You can make mobile payments seamlessly and even send money to friends and family through our person-to-person transfer feature. Plus, if you ever need to sign important documents, our electronic signature authorization makes it quick and hassle-free. We prioritize your security with robust measures that keep your information safe while ensuring a user-friendly experience. It's all about providing you with the tools you need to manage your money effectively while maintaining peace of mind. At United Heritage, we're committed to making banking accessible for everyone. Join us today and discover how our digital services can simplify your financial life!

Financial Strength

At United Heritage, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We understand that in today's world, having a reliable financial partner is essential. That's why we are proud to share our strong financial position, which reflects our commitment to serving you. With a net worth of $152,535,233, we maintain robust 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. 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. 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 lending capacity supports your financial goals with $13,383 in used auto loans and $1,260,390,747 in total loans and leases. Although our net income stands at $0, it reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 224 full-time employees and 1 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Total Share and Deposit Accounts: 166,356 show a strong and growing member base that trusts us with their finances. 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 6400 Menchaca Rd Austin Tx 78745 or call (512) 435-4545 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans provide some of the lowest rates in the industry. We currently have over $302,813,837 in used vehicle loans and $103,850,685 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new model or a reliable used car, we have options tailored just for you.

Business Loans

For business owners looking for growth opportunities, our outstanding commercial loans total $168,679,017, providing the capital needed to expand operations or invest in new initiatives. Additionally, if you're considering refinancing options or would like to learn more about eligibility requirements for any of our loan products, don't hesitate to reach out. Our knowledgeable staff is here to assist you. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At United Heritage, we prioritize your financial well-being and are committed to helping you make informed decisions regarding your borrowing needs. Whether it's auto financing or mortgage solutions, our team is dedicated to supporting your journey toward achieving financial success.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer loans for Junior Lien 1-4 Family Residential Properties totaling $75,964,328. Our team is ready to guide you through the process and help you find a solution that fits your budget.

Unsecured Credit Card Loans

We also provide flexible terms on unsecured credit card loans to help our members manage their finances effectively. While we currently do not have any outstanding unsecured credit card loans issued yet, we're here to discuss how these options can benefit you once available.

Loan Aggregator

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How LendMesh Ensures Accurate 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 ensures that all offers displayed are fair and transparent, giving users peace of mind when making financial decisions.

United Heritage