2024 Overview
General Credit Union Information
United Heritage is an NCUA insured institution located in Austin, TX. It was founded in 1957 and has approximately $1534.79 millions in assets.
Who can join?
If you live, work, attend school, or own a business in one of the following counties, then you are eligible to join:
Travis, Williamson, Bastrop, Caldwell, Hays, Smith, or Wood.
Austin, Tyler, and the communities from Kyle to Georgetown to Lakeway are all eligible for membership.
If you have a family member who is a member of United Heritage, then you are also eligible.
If you work for a Select Employee Group, then you are also eligible.
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 68251 |
| Date Established | 1957 |
| Assets | $1,534.79 million |
| Loans | $1,303.39 million |
| Deposits | $1,284.02 million |
| Capital | $146.83 million |
Field of Membership Restrictions
Membership in United Heritage Credit Union is open to those who live, work, attend school or have a business located in Travis, Williamson, Bastrop, Caldwell, Hays, Smith, or Wood counties. Membership is also open to employees of Anson General Hospital, Brownsville Medical Center, Citizens Medical Center and other healthcare-related Select Employer Groups.
Deposit Rates - April 26, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.15% | $2,500 | $4,999 |
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|
|
Money Market
|
0.10% | $2,500 | $2,999 |
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|
|
Money Market
|
0.15% | $10,000 | $14,999 |
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|
|
Money Market
|
0.30% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.55% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.55% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.75% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.75% | $100,000 | $199,999 |
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|
| 18 Mo CD
|
0.80% | $10,000 | $14,999 |
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|
| 18 Mo CD
|
0.80% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.90% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.90% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
1.00% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
1.00% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
1.10% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
1.10% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
1.20% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
1.20% | $100,000 | $199,999 |
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|
| Variable IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Var IRA
|
0.35% | $1 | $499 | Learn More |
Loan Rates - April 26, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for United Heritage
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 1835285 |
6.787% | 6.750% | 0.38 | $1,203 | $2,076 | Learn More |
NMLS ID: 2059741 |
7.004% | 6.875% | 0.63 | $4,192 | $2,103 | Learn More |
NMLS ID: 3030 |
7.463% | 7.375% | 0.88 | $2,800 | $2,211 | Learn More |
NMLS ID: Not a Lender |
Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
7.490 %
|
$0 |
Learn More
More Info |
Note to United Heritage
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Branches
Below are United Heritage branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
Climate Policy and Initiatives
UNITED HERITAGE is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
United Heritage Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of United Heritage. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| United Heritage | U.S. Average |
|---|---|
| 11.20% | 6.97 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of December 31, 2023, United Heritage had $16,094,589 in non-current loans and $577,627 in owned assets. To cover these potential losses it had $146,825,420 in net worth and $2,022,126 in loans loss reserves. That gives it a Texas Ratio of 11.20%.
Net Worth
| United Heritage | U.S. Average |
|---|---|
| 9.56% | 13.62% |
United Heritage FCU has a net worth of 9.56% versus the BestCashCow average of 13.62. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for United Heritage
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