United Heritage Austin TX Credit Union | Top Checking & Auto Loans

Introduction

Welcome to United Heritage, your trusted partner in financial well-being, located at 5011 W Slaughter Ln Bldg 1, Austin, TX 78749. Established in 1957, our credit union has been dedicated to serving our community for over six decades. With a membership of 80,128, we pride ourselves on being more than just a financial institution; we're a part of your neighborhood. At United Heritage, we understand that managing your finances can sometimes feel overwhelming. That's why our team, led by CEO Michael Ver Schuur and Board President Val Velasquez, is committed to providing personalized service and support tailored to your needs. Whether you're looking for checking and savings accounts, auto loans, or mortgage refinancing, we have solutions designed to help you thrive financially. Our total assets stand at an impressive $1,585,933,733, reflecting our strength and stability in the industry. We also offer a variety of lending options with a total of 31,905 loans and leases available to our members. With total deposits reaching $189,105,834, you can trust that your money is safe with us. While members can visit us at our branch location for all their banking needs from personal banking to business services official correspondence should be sent to PO Box 202020, Austin, TX 78720. Your financial journey is important to us. With $15,253,523 in net worth and $5,626,216 cash on hand, United Heritage is well-equipped to support you every step of the way. Our dedicated staff of 225 employees is here to assist you with any questions or services you may need. We invite you to call us at 512-435-4545 or visit our website at www.uhcu.org for more information about how we can help you achieve your financial goals. Join us today and experience the United Heritage difference!

Branch History & Mission

Community Commitment

Our commitment extends beyond banking. We actively participate in local events and initiatives that uplift our community. From sponsoring educational programs to supporting local charities, we strive to make a difference where it matters most. Additionally, our digital offerings include online banking and mobile payment options, ensuring that we meet the evolving needs of our members while maintaining compliance with ADA standards. With an experienced team of dedicated professionals led by CEO Michael Ver Schuur and Board President Val Velasquez, United Heritage continues to focus on providing outstanding service tailored to each member's unique needs. Whether you're looking for personal banking solutions like checking accounts or auto loans or seeking business banking options such as merchant services, we are here for you. We invite you to join our growing family at United Heritage Credit Union. Experience the benefits of being part of a community-focused financial institution where your goals matter! Visit us today or call us at 512-435-4545 to learn more about how we can support your financial journey.

Our Mission

Our mission at United Heritage is simple yet profound: to empower our members to achieve their financial goals while making a positive impact in the communities we serve. We believe that strong financial services should go hand-in-hand with community involvement. This philosophy drives us to create meaningful partnerships and outreach programs that help improve the lives of those around us. While members can visit us at our branch location for their banking needs, official correspondence should be sent to PO Box 202020, Austin, TX 78720. Our operating hours are convenient for our members Monday through Friday from 9 AM to 5 PM and Saturday from 9 AM to 2 PM for lobby services. For those who prefer drive-thru banking, we are available Monday through Friday from 8:30 AM to 6 PM and Saturday from 9 AM to 2 PM.

Branch Location & Accessibility

Comprehensive Banking Services

At United Heritage, we pride ourselves on offering a wide variety of services tailored to meet your needs. From personal banking options like checking and savings accounts to auto loans and mortgages, we've got you covered. Our ATM is conveniently available for quick cash withdrawals and balance checks whenever you need it. If you prefer online banking, rest assured that we provide robust digital solutions for managing your finances right from your device. While members can visit us at the branch address above, please note that official correspondence should be sent to PO Box 202020 in Austin, TX.

Connect With Us Today!

For any questions or assistance, feel free to give us a call at 512-435-4545. Our friendly team is ready to assist you. Come visit us soon at United Heritage where your financial well-being is our priority!

Easy Access and Convenient Features

Our branch is situated near popular landmarks, making it a familiar stop for many residents. With ample parking available, you can park with ease and access our facility without hassle. We prioritize accessibility; our building is ADA compliant, featuring ramps for easy entry. We understand that your time is valuable. That's why we offer both lobby and drive-thru services. You can visit us during our lobby hours from Monday to Friday, 9 AM to 5 PM, and Saturday from 9 AM to 2 PM. If you're in a hurry, our drive-thru is open Monday through Friday from 8:30 AM to 6 PM and on Saturday from 9 AM to 2 PM, so you can manage your banking without leaving your car.

Member Eligibility

At United Heritage, we believe that becoming a member is like joining a family that truly cares about your financial well-being. If you're looking to be part of a community that values trust, support, and shared success, you're in the right place! Membership is open to anyone who lives, works, or worships in the areas we serve. This means that whether you're a long-time resident or just moved into the neighborhood, you can enjoy all the benefits we offer. To learn more about specific eligibility requirements, feel free to visit our website at . Opening an account with us is straightforward and welcoming. You can easily start your journey by visiting our branch located at 5011 W Slaughter Ln Bldg 1 Austin Tx 78749 or giving us a call at (512) 435-4545. Our friendly team is ready to guide you through the process and answer any questions you may have. Join us today and experience the advantages of being part of United Heritage where your financial goals become our priority!

Business Banking & Commercial Services

At United Heritage, we understand the unique challenges business owners face. Whether you're starting a new venture or looking to expand, our tailored banking solutions can help you reach your goals. Imagine securing the funds to renovate your storefront or invest in new equipment this is where our commercial loan options come into play. 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. Additionally, our merchant services simplify payment processing, allowing you to focus on what matters most running your business. From credit card processing to online payment solutions, we equip you with the tools needed to thrive in today's marketplace. Visit us at 5011 W Slaughter Ln Bldg 1 Austin Tx 78749 in Austin, TX or give us a call at (512) 435-4545 to learn more about how we can assist your business journey!

Comprehensive List Of Services

Business Banking Services

We also cater to small businesses with tailored solutions like Merchant Services & Business Loans. Whether you're starting a new venture or looking to expand an existing one, we have the resources and expertise to support your business journey.

Digital Banking Convenience

In today's fast-paced world, we know convenience matters. That's why United Heritage offers robust Online & Mobile Banking services. You can manage your finances anytime and anywhere with features like person-to-person payments and mobile check deposits. Our ATM services ensure you have easy access to cash whenever needed, complemented by basic drive-thru banking for quick transactions.

Get Started Today!

With so many services available at United Heritage, there's something for everyone! If you have questions or want to learn more about how we can assist you in achieving your financial goals, don't hesitate to reach out. Call us at (512) 435-4545, or visit us during lobby hours: Monday through Friday from 9 AM to 5 PM and Saturday from 9 AM to 2 PM. We look forward to serving you!

Home Financing

If you're considering buying a home or refinancing your current mortgage, our Mortgage Loans & Refinancing services can guide you through the process. Our knowledgeable staff will help you find the best loan option that fits your budget, making homeownership more achievable.

Personal Banking Solutions

For those seeking personal banking options, we offer various Checking & Savings Accounts designed to fit different lifestyles and financial goals. Imagine starting your day knowing your money is secure and easily accessible through our online and mobile banking platforms. You can check balances, transfer funds, and even pay bills right from your smartphone. When it comes to purchasing a new car or refinancing an existing loan, our Auto Loans & Vehicle Financing options make it simple and straightforward. We understand that buying a vehicle is a significant investment, so we provide competitive rates and flexible terms tailored to your needs.

Personal Loans and Credit Cards

For unexpected expenses or consolidating debt, our Personal Loans & Debt Consolidation options provide quick access to funds without hassle. Plus, with our Credit Cards with Rewards, you can earn points on everyday purchases that can be redeemed for travel, cash back, or gift cards turning your spending into rewards.

Digital & Online Banking

Always Available

With 24/7 online banking services at your fingertips, managing your finances has never been easier. Whether it's the middle of the night or during your lunch break, you'll have real-time access to your accounts whenever you need it. At United Heritage, we're committed to making banking simple and secure for all our members. Dive into the world of digital banking today and discover how easy it is to take control of your financial life!

Key Services

With our user-friendly online banking platform available at http://www.uhcu.org, you can manage your accounts anytime, anywhere. Whether you're checking your balance, transferring funds, or paying bills, everything is just a click away. Plus, enjoy the peace of mind that comes with knowing our online services are secure and reliable.

Secure Transactions and Easy Access

One of the standout features we provide is electronic signature authorization. This allows you to sign documents digitally, saving you time while ensuring your transactions are safe. You can also opt for e-statements, which not only help you reduce paper clutter but also give you quick access to your account statements right from your device. For those who prefer mobile banking, our mobile application offers a host of features including mobile payments. This means you can make purchases directly from your smartphone without needing to carry cash or cards. Additionally, our person-to-person transfer service lets you send money to friends or family instantly perfect for splitting bills or sending gifts.

Financial Strength

Growing Member Base

Total Share and Deposit Accounts: 166,356, showing a strong and growing member base that trusts us with their finances. This growth reinforces our ability to deliver quality service tailored to your needs. 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 5011 W Slaughter Ln Bldg 1 Austin Tx 78749 or call (512) 435-4545 to learn more about how we can help you achieve your financial goals.

Investment in Growth

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 members' financial goals across various sectors with $13,383 in used auto loans and $1,260,390,747 in total loans and leases.

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 $0 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.

Strong Financial Health

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.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. We have already issued over $302,813,837 in used vehicle loans and $103,850,685 in new vehicle loans helping members get on the road. Whether you're purchasing a brand-new vehicle or a reliable pre-owned option, our auto financing is straightforward and accessible.

Commercial Loans

For business owners looking for growth opportunities, our outstanding commercial loans total $168,679,017. These loans provide the capital needed for expansion and investment in your business's future. At United Heritage located at 5011 W Slaughter Ln Bldg 1 Austin TX 78749, we're committed to providing exceptional service and guidance throughout your borrowing journey. You can reach us at 512-435-4545 during our lobby hours: Monday through Friday from 9 AM to 5 PM and Saturday from 9 AM to 2 PM. We also offer refinancing options for many of our loan products making it easier than ever to adjust your financial commitments as needed. For further insights into our offerings and performance data sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Explore how United Heritage can assist you today!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We currently offer Junior Lien 1-4 Family Residential Properties loans totaling $75,964,328. This product not only helps you purchase your first home but also allows for refinancing existing mortgages to better fit your budget.

Unsecured Credit Card Loans

Managing everyday expenses can be challenging. That's why we also offer flexible terms on unsecured credit card loans. Although we currently have no outstanding amounts in unsecured credit card loans, our credit products are designed to help you manage your finances effectively when the need arises.

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United Heritage