PO BOX 1648
Austin, TX 78768

Notable Rates APY Vs.Others
Savings 0.15% 1.96% →
1-Year CD 1.20% 2.02% →
2-Year CD 1.55% 2.02% →
5-Year CD N.A. 2.25% →
30-Year Mortgage N.A. 3.14% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.50% →

2020 Overview

General Credit Union Information

United Heritage is an NCUA insured institution located in Austin, TX. It was founded in 1957 and has approximately $1051.46 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
Charter Number # # 68251
Date Established 1957
Assets $1,051.46 million
Loans $851.06 million
Deposits $920.16 million
Capital $98.22 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 2, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.10% $2,500 $9,999 Learn MoreShow Less
Money Market
0.15% $10,000 $24,999 Learn MoreShow Less
Money Market
0.30% $25,000 $99,999 Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD
0.40% $1,000 - Learn MoreShow Less
6 Mo CD
0.95% $1,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.35% $1 - Learn MoreShow Less
Fixed IRA
1.20% $1,000 - Learn MoreShow Less

Loan Rates - April 2, 2020

Your Current Location: Connecticut, CT 06828

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 - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More

To upload and update your bank's rates please register. It is free to register and add rates.


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:

United Heritage Locations

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
4.25% 5.86

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 June 30, 2019, United Heritage had $3,966,639 in non-current loans and $324,134 in owned assets. To cover these potential losses it had $98,221,012 in net worth and $2,640,250 in loans loss reserves. That gives it a Texas Ratio of 4.25%.

Net Worth
United Heritage U.S. Average
9.34% 13.65%

United Heritage FCU has a net worth of 9.34% versus the BestCashCow average of 13.65. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About United Heritage

Branches and Savings

What is United Heritage?

A federal credit union, registered with the NCUA under certificate #68251.
Learn more about credit unions here.

Is United Heritage FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join United Heritage?

Please see Field of Membership information above for information on who is eligible to join.

What are United Heritage's share account and share certificate rates?

United Heritage's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is United Heritage?

United Heritage has total capital of $98.22 million. Full information on United Heritage's financial position is located above.

Who owns United Heritage?

Credit Unions are owned by their members.

Where are United Heritage branches located?

See branch locations nearby.

Are United Heritage ATMs Open 24/7?

Do United Heritage ATMs accept cash deposits?

Can United Heritage customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does United Heritage have a mobile app?

Does United Heritage have mobile deposit?

Does United Heritage have quick pay?

How can United Heritage transfer money to other banks or credit unions?

Does United Heritage report to credit bureaus?

Does United Heritage use Chexsystems?

Does United Heritage use Equifax?

What is United Heritage's toll free phone number?

What is United Heritage's ACH Routing Number?

What is United Heritage's SWIFT code?

Where can I find United Heritage's wire transfer form?

What is the United Heritage address for deposits?

What Products Does United Heritage Offer

Does United Heritage offer mortgages?

Compare mortgage rates here.

Does United Heritage offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does United Heritage offer auto and RV loans?

Compare auto loan rates here.

Does United Heritage offer student loans or personal loans?

Compare personal loan rates here.

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