United Heritage Austin TX Credit Union | Low Mortgage Rates & Rewards Cards

Introduction

Welcome to United Heritage, your trusted credit union located at 12208 N Mopac Expy, Austin, TX 78758. Established in 1957, we have proudly served our community for over six decades, becoming a cornerstone of financial support and growth. With a membership of 80,128 and total assets amounting to an impressive $1,585,933,733, we are dedicated to providing personalized banking solutions that meet the unique needs of our members. At United Heritage, we believe in more than just numbers; we believe in building relationships. Our commitment is reflected in our diverse range of services from personal checking and savings accounts to auto loans, mortgage financing, and business banking options. We understand the importance of community involvement and strive to make a positive impact in the lives of our members. Led by CEO Michael Ver Schuur and Board President Val Velasquez, our team of 225 employees is always ready to assist you with any financial inquiries or services you may need. Whether you're looking to open a new account or seeking advice on loans, we are here for you. For your convenience, while you can visit us at our branch location, official correspondence should be sent to PO Box 202020, Austin, TX 78720. Our doors are open Monday through Friday from 9 AM to 5 PM and Saturdays from 9 AM to 2 PM. Feel free to call us at 512-435-4545 for any questions or assistance. Discover how United Heritage can help you achieve your financial goals today!

Branch History & Mission

Welcome to the heart of our community! At United Heritage, located at 12208 N Mopac Expy, Austin, TX 78758, we have a rich legacy that began in 1957. Over the years, we have grown from a small credit union into a trusted financial partner for over 80,128 members. Our total assets now exceed $1.585 billion, reflecting our commitment to supporting our members and their financial needs. Our mission is straightforward yet impactful: to provide exceptional financial services while fostering a strong sense of community. We believe that when our members thrive, the entire community benefits. That's why we offer a variety of personal banking services, including checking and savings accounts, auto loans, mortgages, and more. Additionally, we are dedicated to making banking accessible for everyone by implementing ADA-compliant facilities and digital advancements. Throughout our journey, we've embraced innovation to enhance your banking experience. You can enjoy features like online banking, mobile payments, and person-to-person transactions right at your fingertips. Our branch also offers ATM availability and drive-thru services for added convenience making it easier than ever to manage your finances. While members can visit us at 12208 N Mopac Expy, official correspondence should be sent to PO Box 202020, Austin, TX 78720. We invite you to explore all that United Heritage has to offer during our operating hours: Monday through Friday from 9 AM to 5 PM and Saturday from 9 AM to 2 PM for lobby services; drive-thru hours extend until 6 PM on weekdays. In addition to providing financial services, we actively engage in community outreach efforts. Whether it's partnering with local organizations or supporting educational initiatives, we strive to make a positive impact in Austin and surrounding areas. Join us at United Heritage and experience the difference that comes from being part of a credit union that truly cares about its members and community. Discover how we can help you achieve your financial goals today! For inquiries or assistance, please call us at 512-435-4545 or visit our website at uhcu.org.

Branch Location & Accessibility

Convenient Access and Parking

At United Heritage, we prioritize your convenience. We have ample parking available so you can park easily while you visit us. Plus, our branch is designed to be accessible for everyone, featuring ADA-compliant entrances and ramps. Whether you're coming in for personal banking or to discuss loan options, we want you to feel welcomed and comfortable.

Friendly Operating Hours

Our lobby hours are designed with your busy schedule in mind. We're open Monday through Friday from 9 AM to 5 PM, and on Saturdays from 9 AM to 2 PM. If you need to use our drive-thru service, it's available Monday through Friday from 8:30 AM to 6 PM and on Saturdays from 9 AM to 2 PM. We're here when you need us!

Get in Touch!

We invite you to come by or give us a call at 512-435-4545. Our team at the United Heritage branch is eager to help you navigate your financial journey. Visit us today and discover how we can assist you with your banking needs!

Services Tailored for You

At United Heritage, we offer a variety of banking services tailored to meet your needs. Whether you're looking for checking and savings accounts, auto loans, mortgage refinancing, or personal loans, our friendly staff is ready to assist you. We also provide online and mobile banking options for added convenience. While members can visit us at our branch address for all their banking needs, official correspondence should be sent to PO Box 202020, Austin, TX 78720 if needed.

Member Eligibility

At United Heritage, we believe that everyone deserves a chance to thrive in their financial journey, and becoming a member is the first step toward joining our close-knit community. If you live, work, worship, or attend school in the areas we serve, you're likely eligible to join us! We welcome individuals from various backgrounds, ensuring that our membership reflects the vibrant community around 12208 N Mopac Expy Austin Tx 78758. Plus, being part of United Heritage means access to personalized service, competitive rates on loans and savings accounts, and a suite of financial products designed to help you achieve your goals. Getting started is simple! If you're interested in opening an account or learning more about our eligibility criteria, feel free to give us a call at (512) 435-4545 or visit our website for detailed information. You can check out everything you need to know about eligibility at . We're excited to help you take this important step toward better financial health!

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

Imagine running your business smoothly with reliable payment processing that keeps your customers happy. Our merchant services simplify transactions and help you manage sales efficiently, whether you're a local shop or an online retailer. With easy access to funds and comprehensive support, we empower you to focus on what matters most growing your business. Join us at United Heritage today to discover how our business banking and commercial services can help take your enterprise to the next level! For more information, call us at (512) 435-4545 or visit our website at http://www.uhcu.org.

Comprehensive List Of Services

Additional Features

We also offer basic drive-thru banking for quick deposits and withdrawals without leaving your vehicle. For those who prefer using ATMs, our basic ATM access allows for easy withdrawals and balance checks. At United Heritage, we prioritize making banking simple and effective for all our members. If you're ready to take the next step in managing your finances or exploring any of these services further, don't hesitate to reach out! Give us a call 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!

Business Banking Solutions

For entrepreneurs and small business owners, we offer comprehensive Business Banking services. Our Merchant Services & Business Loans are designed to support your growth and operational needs. You can count on us as a partner in your success.

Digital Access Made Easy

In today's fast-paced world, convenience is key. That's why we provide robust Online & Mobile Banking features, allowing you to manage your accounts anytime, anywhere. From checking balances to making transfers and payments through our mobile app, we've got you covered. Need cash on the go? Our ATM & Cash Withdrawal Services ensure that you have access to your funds when you need them.

Personal Banking Services

Managing your money shouldn't be complicated. With our Personal Banking services, you can open Checking & Savings Accounts that fit your lifestyle. Imagine having a place where your funds are not only safe but also grow over time through interest. For those looking to buy a car, our Auto Loans & Vehicle Financing options make it easy to get on the road with competitive rates tailored just for you. If homeownership is on your horizon, explore our Mortgage Loans & Refinancing solutions that can help you secure the perfect home.

Support for Everyday Needs

Sometimes life throws unexpected expenses your way. That's where our Personal Loans & Debt Consolidation come in handy, providing quick access to cash when you need it most. Plus, with our Credit Cards with Rewards, every purchase can earn you points for future savings or travel adventures.

Digital & Online Banking

Key Features

With just a few clicks, you can access our comprehensive online banking services through http://www.uhcu.org. Need to check your account balance? Want to transfer money between accounts or send funds to a friend? Our person-to-person transfers make it easy to handle transactions quickly. Plus, with 24/7 online banking services, you can manage your account whenever it suits you best. Security is a top priority for us. That's why we offer electronic signature authorization for important documents, ensuring that your information remains safe while still being accessible. And for those who prefer paperless options, e-statements are available, so you can keep track of your financial activity without cluttering your mailbox.

Mobile Access

Our mobile application adds an extra layer of convenience. With this app, you can enjoy all the benefits of online banking right from your smartphone. Plus, if you're someone who loves using mobile payments, you'll appreciate the ease of making purchases directly from your device. In today's fast-paced world, having real-time access to your finances is crucial. At United Heritage, we provide user-friendly tools designed to help you stay in control of your money while enjoying peace of mind knowing that your information is secure. Experience the future of banking with us visit http://www.uhcu.org today and explore how our digital and online services can simplify your financial life!

Financial Strength

A Growing Community

The strength of our community is evident in the 166,356 total share accounts we manage. This shows 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 12208 N Mopac Expy Austin Tx 78758 or call (512) 435-4545 to learn more about how we can help you achieve your financial goals.

Commitment to 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 your financial goals across various sectors with $13,383 in used auto loans and $1,260,390,747 in total loans and leases. Our operational efficiency is reflected in our $0, 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 who ensure our branches are always ready to serve you with a knowledgeable, committed team.

Member Savings Are Secure

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 focus on benefiting you through better loan rates, lower fees, and exclusive perks.

Solid Financial Health

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.

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. Whether you're interested in purchasing a brand-new model or a reliable used vehicle, we have tailored options that fit your budget.

Business Financing

For business owners, our outstanding commercial loans totaling $168,679,017 provide the capital needed to grow and expand. Whether you're starting a new venture or looking to enhance an existing one, our team is here to assist you.

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 guide you through each step of the process to ensure you find the right solution for your housing needs.

Refinancing and Eligibility Options

If you're considering refinancing your current loans or exploring eligibility options for any of our products, don't hesitate to reach out. We are dedicated to helping you find solutions that suit your financial situation best. If you have any questions or would like more information about our loan offerings at United Heritage located at 12208 N Mopac Expy Austin Tx 78758, please call us at 512-435-4545. Our team is ready to help you navigate your financing journey! Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans. While our current total stands at $0, we are committed to providing solutions that help members manage their finances effectively when they need it most.

Loan Aggregator

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United Heritage