United Heritage Georgetown TX Credit Union | Low Mortgage Rates & Business Loans

Introduction

Welcome to United Heritage, your trusted financial partner in Georgetown, TX! Located at 12 Waters Edge Cir, we have proudly served our community since 1957, offering a range of financial services designed to meet the needs of our 80,128 members. With total assets exceeding $1.58 billion and deposits totaling $189,105,834, we're dedicated to helping you achieve your financial goals. At United Heritage, we understand that each member's journey is unique. That's why we provide personalized solutions, including checking and savings accounts, auto loans, mortgage financing, and business banking options. Our commitment to excellence is reflected in our strong net worth of $152,535,233 and cash on hand amounting to $5,626,216, ensuring we can support you now and in the future. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to our mailing address: PO Box 202020, Austin, TX 78720. Our leadership team is dedicated to fostering a welcoming environment. Under the guidance of CEO Michael Ver Schuur and Board President Val Velasquez, we strive to create a sense of community where every member feels valued and supported. Whether you're looking to open a new account or explore loan options, we're here for you. Feel free to give us a call at 512-435-4545 or visit our website at http://www.uhcu.org for more information. Join us today and experience the difference that comes with being part of the United Heritage family!

Branch History & Mission

Commitment to Excellence

We understand that convenience matters. That's why we offer ATM availability and drive-thru banking for easy access to your funds. Our operating hours are designed with your schedule in mind our lobby is open Monday through Friday from 9 AM to 5 PM and Saturdays from 9 AM to 2 PM. The drive-thru operates longer on weekdays until 6 PM for your convenience. As technology advances, so do we! From online banking to mobile payments, United Heritage ensures that members can manage their finances anytime and anywhere while adhering to ADA compliance standards.

Join Us

United Heritage is more than just a credit union; it's a place where you belong. We invite you to experience the benefits of membership firsthand whether you're looking for personal banking solutions or want to engage with your community more deeply. Let us help you achieve your financial goals today! For more information or assistance, feel free to call us at 512-435-4545 or visit us online at uhcu.org. Together, let's build a brighter future!

Mission Statement

At United Heritage, our mission is clear: to empower individuals and families through accessible financial services while promoting community growth. We aim to create a welcoming environment where every member feels valued and supported on their financial journey. Our team is dedicated to offering personalized service and innovative solutions that enhance the lives of those we serve. While members can visit us at 12 Waters Edge Cir, official correspondence should be sent to PO Box 202020, Austin, TX 78720 if different from the branch address.

Our Evolution

Since opening our doors, United Heritage has continually evolved to meet the needs of our members. We started with just a handful of services and have expanded significantly over the years. Today, we proudly offer a comprehensive range of personal banking solutions including checking and savings accounts, auto loans, mortgages, credit cards with rewards, and business banking options. With total assets now exceeding $1.5 billion, we are well-equipped to provide robust financial solutions tailored to each member's unique situation. Our commitment goes beyond numbers; it's about fostering relationships within our community. Through various outreach programs and partnerships, we strive to make a positive impact in Georgetown and its surroundings. Whether it's providing financial literacy workshops or supporting local events, we believe that helping our community thrive is part of our mission.

Branch Location & Accessibility

Contact Us Today!

If you have any questions or need assistance, don't hesitate to give us a call at 512-435-4545. We invite you to visit us at our Georgetown branch today! While members can visit us at 12 Waters Edge Cir for all their banking needs, please note that official correspondence should be sent to PO Box 202020 in Austin if necessary. We look forward to serving you soon!

Nearby Landmarks and Accessibility

Located just a short drive from the scenic San Gabriel Park, our branch is surrounded by a welcoming community. With ample parking available right outside, visiting us is hassle-free. Our facility is designed with accessibility in mind, featuring ADA-compliant ramps and entrances to ensure that everyone can enjoy our services comfortably.

Operating Hours and Services

We understand that life can be busy, so we offer flexible operating hours to accommodate your schedule. Our lobby is open Monday through Friday from 9 AM to 5 PM, and on Saturdays from 9 AM to 2 PM. If you prefer drive-thru banking, you can take advantage of our extended hours on weekdays from 8:30 AM until 6 PM and Saturdays from 9 AM to 2 PM. At United Heritage, we provide a wide range of services tailored to meet your financial needs. From personal checking and savings accounts to auto loans and mortgages, we've got you covered. Our ATM is also available for quick cash withdrawals and balance inquiries anytime you need it.

Member Eligibility

At United Heritage, we believe that everyone deserves access to a supportive financial community. If you're looking to become a member, it's easier than you might think! Our eligibility criteria are designed to welcome individuals who live, work, or worship in the communities we serve. You'll find that joining us means gaining access to a variety of financial products tailored just for you, from checking and savings accounts to auto loans and credit cards with rewards. To dive deeper into the specific eligibility details, feel free to check out our resource at . Opening an account is a straightforward process that brings you one step closer to enjoying all the benefits of membership at United Heritage. Whether you're ready to get started today or have questions, we're here to help! Just give us a call at (512) 435-4545, and our friendly team will guide you through everything you need. Join us at our branch located at 12 Waters Edge Cir Georgetown Tx 78626, and discover how being part of our community can make a positive difference in your financial journey!

Business Banking & Commercial Services

Business Loan Options

Imagine having the financial backing you need to turn your dreams into reality. 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

Beyond loans, we offer essential merchant services that help businesses operate smoothly. From accepting payments easily to managing transactions efficiently, our solutions are crafted with real-world needs in mind. This means less hassle for you and more time to focus on what matters growing your business. Visit us at 12 Waters Edge Cir Georgetown Tx 78626 in Georgetown, TX, or call us at (512) 435-4545 to learn how we can help your business thrive!

Comprehensive List Of Services

Business Solutions

For entrepreneurs and business owners, we provide essential tools through our Business Banking services. From merchant services that simplify transactions to business loans that help fuel growth, we understand the unique challenges businesses face and are committed to providing solutions that work.

Cash Access

Need cash quickly? Our ATM & Cash Withdrawal Services give you access to your funds whenever you need them. Plus, with our drive-thru service available for simple transactions like deposits and withdrawals during extended hours Monday through Friday from 8:30 AM - 6:00 PM and Saturday from 9:00 AM - 2:00 PM you'll find banking fits easily into your busy schedule. At United Heritage in Georgetown, TX, we pride ourselves on being more than just a bank; we're part of the community. Our friendly staff is always available at 512-435-4545 to answer any questions about how we can help improve your financial well-being. Ready to explore what we have to offer? Visit us online at uhcu.org or stop by our branch today!

Credit Cards

Looking for rewards on everyday purchases? Our Credit Cards with Rewards program allows you to earn points for cash back or travel rewards simply by using your card. It's a great way to benefit from your spending while also enjoying convenience.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we offer robust Online & Mobile Banking features that let you manage your accounts anytime, anywhere. Whether it's checking balances, transferring funds, or paying bills, everything is just a few taps away on your mobile device.

Home Loans

When it comes to securing a home, our Mortgage Loans & Refinancing options are ideal for first-time buyers and seasoned homeowners alike. Whether you're looking to buy a new house or refinance your current mortgage for better rates, our team is ready to guide you through every step.

Personal Banking

For those looking to manage their day-to-day expenses, we offer Personal Banking options including checking and savings accounts. Imagine having a place where you can securely deposit your money while earning interest on your savings. Our accounts are designed with you in mind, making it easy to track your spending and save for future goals.

Personal Loans

Life can throw unexpected expenses your way. With our Personal Loans & Debt Consolidation services, you can find relief from financial stress. Whether it's for medical bills, home improvements, or consolidating debt into one manageable payment, we're here to support you.

Vehicle Financing

If you're considering purchasing a new car or refinancing an existing loan, our Auto Loans & Vehicle Financing services are here to help. With competitive rates and flexible terms, you can drive away in the vehicle of your dreams without breaking the bank. We know how important reliable transportation is, and we strive to make the financing process as smooth as possible.

Digital & Online Banking

Accessing Your Accounts

Our online banking platform is available 24/7 at http://www.uhcu.org . Here, you can check balances, pay bills, and transfer money with ease. Need to send money to a friend? Our person-to-person transfer feature makes it simple and quick. Plus, our mobile application is also available for download, giving you access to all these services right in your pocket.

Convenient Payments

If you're always on the move, you'll appreciate our mobile payments feature. This allows you to make purchases directly from your smartphone without needing cash or cards. It's all about making your life easier! At United Heritage, we're committed to providing accessible and user-friendly banking solutions that meet your needs. With our comprehensive digital services, managing your finances has never been more straightforward. Experience the convenience today!

Eco-Friendly Statements

Say goodbye to paper clutter! Our e-statements service allows you to receive your account statements electronically. This not only helps reduce paper waste but also gives you quick access to your financial records whenever you need them.

Secure Transactions

Your security is our top priority. We use electronic signature authorization to ensure that your transactions are secure and protected. You can rest easy knowing that your sensitive information is kept safe as you bank online.

Financial Strength

Growing Trust

Total Share Accounts: 166,356, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $0. 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 12 Waters Edge Cir Georgetown Tx 78626 or call (512) 435-4545 to learn more about how we can help you achieve your financial goals.

Investment in Member Services

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 a total of $1,260,390,747 in loans and leases.

Operational Efficiency

Our focus on efficiency is reflected in our $0, which enables 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.

Secure Savings Options

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.

Strong Financial 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.

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 financing a new ride or a pre-owned vehicle, our dedicated team is here to assist you every step of the way. We also provide refinancing options if you're looking to lower your current monthly payments.

Conclusion

No matter what your needs may be, United Heritage is here to support you with personalized service and expert advice. Visit us at 12 Waters Edge Cir Georgetown Tx 78626, Georgetown, TX, or give us a call at (512) 435-4545 for more information about our loan products or eligibility options. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Your journey toward financial empowerment starts here!

Credit Lines and Unsecured Loans

For those who need flexibility in their finances, we offer credit lines totaling $736,399,864. This allows you to borrow what you need when you need it without hassle. Additionally, we provide unsecured credit card loans with total amounts reaching $0, allowing members to manage expenses effectively without tying up collateral.

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 strive to make the mortgage process straightforward and stress-free so you can focus on making your house feel like home.

Loan Aggregator

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How LendMesh Ensures 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 approach guarantees that the offers presented are not only fair but also transparent, allowing users to make informed decisions without hidden agendas.

UNITED HERITAGE CREDIT UNION - Georgetown, TX