United Heritage Round Rock TX Credit Union | Affordable Auto Loans & Business Banking

Introduction

Welcome to United Heritage, your trusted partner in financial well-being located at 301 Mays Xing, Round Rock, TX 78664. Established in 1957, we have proudly served our community for over six decades, growing to a membership of 80,128 strong. Our commitment to providing exceptional financial services is reflected in our robust assets totaling $1,585,933,733 and total deposits of $189,105,834. At United Heritage, we understand that your financial needs are unique. Whether you're looking for personal banking solutions like checking and savings accounts or need support with auto loans and mortgages, we've got you covered. Our friendly staff is dedicated to making banking easy and accessible through online and mobile banking options. While members can visit us at our branch location, please note that official correspondence should be sent to our mailing address: PO Box 202020, Austin, TX 78720. Our leadership team is here to guide you on your financial journey. Under the direction of CEO Michael Ver Schuur and Board President Val Velasquez, our team of 225 employees works tirelessly to ensure you receive the best service possible. We invite you to explore the many ways we can support your financial goals. Call us today at 512-435-4545 or visit our website at www.uhcu.org to learn more about how we can help you thrive!

Branch History & Mission

At United Heritage, we take pride in our rich history and deep commitment to serving the community of Round Rock, Texas. Established in 1957, our branch has grown from a small financial cooperative into a vibrant institution with over 80,000 members and total assets exceeding $1.58 billion. Located at 301 Mays Xing, Round Rock, TX 78664, we are easily accessible for all your banking needs. Our mission is clear: to provide exceptional financial services while fostering a supportive community atmosphere. We strive to empower our members through various offerings including personal banking, auto loans, mortgages, credit cards with rewards, and business banking solutions. Whether you need assistance with everyday banking or more complex financial decisions, we are here for you. Over the years, United Heritage has embraced technology to enhance member experiences. Our online and mobile banking platforms allow for convenient access to accounts and transactions anytime, anywhere. We also prioritize accessibility; our branch is fully ADA compliant to ensure that everyone can enjoy our services without barriers. We believe that banking is about more than just transactions; it's about building relationships and supporting our community. We actively engage in outreach programs and partnerships that contribute positively to local initiatives and events. This commitment reflects our belief in giving back to the community that has supported us throughout the years. While members can visit us at 301 Mays Xing Round Rock Tx 78664, official correspondence should be sent to PO Box 202020, Austin, TX 78720. Our operating hours are designed with your convenience in mind: Lobby hours are Monday through Friday from 9 AM to 5 PM and Saturday from 9 AM to 2 PM. Our drive-thru service is available Monday through Friday from 8:30 AM to 6 PM and Saturday from 9 AM to 2 PM. If you're looking for a financial partner that values community involvement as much as it does sound financial practices, consider becoming a member of United Heritage. Together, we can build a brighter future for you and your family. Join us today! For more information or inquiries, feel free to reach us at 512-435-4545 or visit our website at http://www.uhcu.org.

Branch Location & Accessibility

Contact Us

Have questions or want more information? Don't hesitate to call us at 512-435-4545. Our friendly staff is ready to assist you with any inquiries you may have or help set up an appointment. We invite you to stop by our Round Rock branch today and discover how United Heritage can support your financial journey!

Nearby Landmarks & Accessibility

Our Round Rock branch is just a short drive from popular local spots like Old Settlers Park and the Round Rock Premium Outlets. This makes it easy to combine a visit to the bank with some shopping or outdoor fun! We offer ample parking space right outside our entrance, ensuring a hassle-free experience. Our facility is designed to be accessible for everyone, featuring ADA-compliant ramps and pathways.

Operating Hours

We understand that your time is valuable, which is why we strive to provide flexible hours that suit your busy lifestyle. Our lobby hours are Monday through Friday from 9 AM to 5 PM, with Saturday hours from 9 AM to 2 PM. If you prefer drive-thru banking, we're open Monday through Friday from 8:30 AM until 6 PM and Saturday from 9 AM to 2 PM. Feel free to swing by during these times; we're always happy to help!

Services Offered

At United Heritage, we offer a range of services designed to meet your personal and business banking needs. From checking and savings accounts to auto loans and mortgages, we have something for everyone. Our drive-thru service allows for quick deposits and withdrawals without ever leaving your vehicle perfect for those on the go! Additionally, we have an ATM available for easy cash access whenever you need it.

Member Eligibility

Joining the United Heritage community is more than just opening an account; it's about becoming part of a supportive network that prioritizes your financial well-being. To become a member at our Round Rock branch, located at 301 Mays Xing, you simply need to meet a few friendly eligibility criteria. While specifics can vary, generally, individuals who live, work, or worship in the area are encouraged to apply. Our goal is to make membership accessible and beneficial for everyone! If you're curious about the complete eligibility details, please visit our website at . Opening an account is straightforward and welcoming; you can easily start your journey by giving us a call at (512) 435-4545 or visiting us in person. Our team is here to guide you through the process and help you take full advantage of the benefits that come with being a member of United Heritage. From personal banking services to exciting loan options, we're dedicated to supporting your financial goals every step of the way. So why wait? Join us today and experience all that we have to offer!

Business Banking & Commercial Services

Merchant Services That Make Life Easier

In addition to loans, our merchant services streamline payment processing so you can focus on what matters most running your business. Picture this: accepting payments from customers easily, whether they're using credit cards, mobile payments, or online transactions. With our reliable merchant solutions, managing cash flow becomes simpler. Visit us at 301 Mays Xing Round Rock Tx 78664 in Round Rock, TX or call us at (512) 435-4545 to discover how we can help your business reach new heights!

Tailored Loan Solutions

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.

Comprehensive List Of Services

Credit Cards and Business Banking

To reward your everyday spending, we offer Credit Cards with Rewards that let you earn points for things you already buy think of the perks and benefits adding up! If you're a business owner, our Business Banking services include essential features like Merchant Services & Business Loans, supporting you every step of the way in managing and growing your enterprise.

Drive-Thru and ATM Services

For those who prefer face-to-face interactions but are short on time, our basic drive-thru banking allows for simple transactions like deposits and withdrawals without leaving your car. And if you're out and about, our ATMs ensure that cash is always within reach for balance checks or withdrawals. At United Heritage, we are committed to providing exceptional service tailored to meet the needs of every member in our community. If you're ready to explore how we can help enhance your financial well-being, don't hesitate to reach out at (512) 435-4545 or visit us today! Your journey toward better financial health starts here!

Online and Mobile Banking

In today's fast-paced world, convenience is key. That's why we provide robust Online & Mobile Banking features that let you manage your accounts anytime, anywhere. Want to check your balance on the go or transfer funds from your phone? It's all just a few taps away! Plus, with our ATM & Cash Withdrawal Services available, accessing cash when you need it is quick and hassle-free.

Personal Banking

We understand that personal finance can be complex, which is why we offer straightforward solutions such as Checking & Savings Accounts. Imagine having a checking account that helps you track your spending effortlessly while building savings for your next big goal be it a vacation or a new gadget. Our Auto Loans & Vehicle Financing options make getting behind the wheel easier than ever. Picture yourself cruising around town in your dream car, knowing you secured an affordable loan with us. If homeownership is on your horizon, our Mortgage Loans & Refinancing services are designed to guide you through the process smoothly. We aim to simplify what can often feel like a daunting task. For those unexpected expenses or consolidating debt, our Personal Loans & Debt Consolidation options provide flexible solutions that fit your lifestyle.

Digital & Online Banking

Key Features

Our online banking services allow you to manage your finances with ease. You can view account balances, transfer funds, and pay bills all from the comfort of your home or on the go. Plus, with 24/7 online banking services, you have control over your finances whenever you need it. Need to send money to friends or family? Our person-to-person transfer feature makes it easy to send funds quickly and securely. All it takes is a few taps on your mobile device!

Mobile Banking

For those who prefer banking on their smartphones, our mobile application is here to help. Available for download, it gives you full access to your accounts right in your pocket. You can enjoy features like mobile payments, allowing you to make purchases without needing cash or cards. Security is a top priority for us. We use electronic signature authorization for transactions, ensuring that your information remains safe while providing an easy way to sign documents electronically. Additionally, e-statements are available for members who want a paperless option while keeping track of their financial activities. In summary, whether you're using our website or the mobile app, United Heritage is committed to providing you with accessible and user-friendly digital banking solutions that put you in charge of your financial journey. Join us today and experience the convenience of modern banking!

Financial Strength

A Growing Member Base

Total Share and Deposit Accounts: 166,356, showing 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 301 Mays Xing Round Rock Tx 78664 or call (512) 435-4545 to learn more about how we can help you achieve your financial goals.

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 community investment is reflected in our lending capacity: with $13,383 in used auto loans and $1,260,390,747 in total loans and leases, we support members' financial goals across various sectors.

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.

Secure Savings for Members

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.

Solid 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, 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 offer flexible terms to ensure you find a plan that fits your budget.

Business Loans

For business owners, our outstanding commercial loans totaling $168,679,017 provide the capital needed to grow and expand your business. We understand that each business has unique needs, and our team is here to help you navigate financing options tailored for your success. At United Heritage, we're dedicated to providing you with transparent loan offerings designed for your financial journey. If you're considering refinancing or need assistance determining eligibility for any of our loan products, don't hesitate to reach out. You can contact us at (512) 435-4545, visit us at 301 Mays Xing Round Rock Tx 78664, Round Rock, TX, or explore more at our website. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let us help you take the next step towards achieving your financial goals!

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 provide competitive rates and personalized service to guide you through every step of the process.

Unsecured Credit Card Loans

Managing expenses can sometimes be tricky, which is why we also offer flexible terms on unsecured credit card loans. Although we currently have $0 in loans helping members manage their finances effectively, it's essential to keep an eye on upcoming options as we continue to grow.

Loan Aggregator

Benefits of Using LendMesh

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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 ensures that users receive fair and transparent offers tailored to their needs. Each loan offer is verified to maintain accuracy, providing peace of mind for users navigating their borrowing options.

United Heritage