What are the current interest rates at United Heritage Credit Union?

Current rates for United Heritage Credit Union include: 12-Month CD: 3.73%, 18-Month CD: 3.65%, 24-Month CD: 3.60%, 60-Month CD: 3.10%, Savings: 0.10%, MMA: 0.10%

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United Heritage Credit Union

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United Heritage Credit Union Rates & Review September 2026

Q: Is a member application needed to join United Heritage Credit Union?

Yes, to access services at United Heritage Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, United Heritage Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 12, 2026

United Heritage Credit Union's 12 Month CD rates are at 3.73%, 12 month Fixed-Rate CD of Deposit rates are at 3.73%, Fixed-Rate Individual Retirement Account - 12 month rates are at 3.73%, 18 Month CD rates are at 3.65%, 18 month Fixed-Rate CD of Deposit rates are at 3.65%. United Heritage Credit Union's savings rates are at 0.10%. United Heritage Credit Union's money market rates are at 0.10%. United Heritage Credit Union's Auto Loan Rates are as low as 3.99%. MonitorBankRates evaluates the financial stability of United Heritage Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.97%. Rates last updated and verified on 09/12/2026.

United Heritage Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at United Heritage Credit Union? Share your experience about United Heritage Credit Union by leaving a review below, or read customer reviews before you decide to use United Heritage Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

7.97%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

United Heritage Credit Union CD Rates

Product	Rate	APY	Term
12 Month Certificate	3.68%	3.73%	12 Months
Min Deposit $1,000 Min Balance $1,000 Details Dividend Pay & Compound: Quarterly Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.97%
12 month Fixed-Rate Certificate of Deposit	3.68%	3.73%	12 Months
Min Deposit $1,000 Min Balance $1,000 Details Dividend Pay & Compound: Quarterly Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.97%
Fixed-Rate Individual Retirement Account - 12 month	3.68%	3.73%	12 Months
Min Deposit $1,000 Min Balance $1,000 Details Dividend Pay & Compound: Quarterly Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.97%
18 Month Certificate	3.60%	3.65%	18 Months
Min Deposit $1,000 Min Balance $1,000 Details Dividend Pay & Compound: Quarterly Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.97%
18 month Fixed-Rate Certificate of Deposit	3.60%	3.65%	18 Months
Min Deposit $1,000 Min Balance $1,000 Details Dividend Pay & Compound: Quarterly Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.97%
Fixed-Rate Individual Retirement Account - 18 month	3.60%	3.65%	18 Months
Min Deposit $1,000 Min Balance $1,000 Details Dividend Pay & Compound: Quarterly Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.97%
24 Month Certificate	3.55%	3.60%	24 Months
Min Deposit $1,000 Min Balance $1,000 Details Dividend Pay & Compound: Quarterly Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.97%
24 month Fixed-Rate Certificate of Deposit	3.55%	3.60%	24 Months
Min Deposit $1,000 Min Balance $1,000 Details Dividend Pay & Compound: Quarterly Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.97%
Fixed-Rate Individual Retirement Account - 24 month	3.55%	3.60%	24 Months
Min Deposit $1,000 Min Balance $1,000 Details Dividend Pay & Compound: Quarterly Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.97%
36 Month Certificate	3.26%	3.30%	36 Months
Min Deposit $1,000 Min Balance $1,000 Details Dividend Pay & Compound: Quarterly Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.97%
36 month Fixed-Rate Certificate of Deposit	3.26%	3.30%	36 Months
Min Deposit $1,000 Min Balance $1,000 Details Dividend Pay & Compound: Quarterly Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.97%
Fixed-Rate Individual Retirement Account - 36 month	3.26%	3.30%	36 Months
Min Deposit $1,000 Min Balance $1,000 Details Dividend Pay & Compound: Quarterly Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.97%
6 Month Certificate	3.21%	3.25%	6 Months
Min Deposit $1,000 Min Balance $1,000 Details Dividend Pay & Compound: Quarterly Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.97%
6 month Fixed-Rate Certificate of Deposit	3.21%	3.25%	6 Months
Min Deposit $1,000 Min Balance $1,000 Details Dividend Pay & Compound: Quarterly Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.97%
48 Month Certificate	3.16%	3.20%	48 Months
Min Deposit $1,000 Min Balance $1,000 Details Dividend Pay & Compound: Quarterly Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.97%
48 month Fixed-Rate Certificate of Deposit	3.16%	3.20%	48 Months
Min Deposit $1,000 Min Balance $1,000 Details Dividend Pay & Compound: Quarterly Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.97%
Fixed-Rate Individual Retirement Account - 48 month	3.16%	3.20%	48 Months
Min Deposit $1,000 Min Balance $1,000 Details Dividend Pay & Compound: Quarterly Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.97%
60 Month Certificate	3.07%	3.10%	60 Months
Min Deposit $1,000 Min Balance $1,000 Details Dividend Pay & Compound: Quarterly Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.97%
60 month Fixed-Rate Certificate of Deposit	3.07%	3.10%	60 Months
Min Deposit $1,000 Min Balance $1,000 Details Dividend Pay & Compound: Quarterly Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.97%
Fixed-Rate Individual Retirement Account - 60 month	3.07%	3.10%	60 Months
Min Deposit $1,000 Min Balance $1,000 Details Dividend Pay & Compound: Quarterly Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.97%
3 Month Certificate	0.60%	0.60%	3 Months
Min Deposit $1,000 Min Balance $1,000 Details Dividend Pay & Compound: N/A Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.97%
3 month Fixed-Rate Certificate of Deposit	0.60%	0.60%	3 Months
Min Deposit $1,000 Min Balance $1,000 Details Dividend Pay & Compound: N/A Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.97%

United Heritage Credit Union Savings Rates

Product	Rate	APY
Homebuyer Savings	0.60%	0.60%
Min Deposit $100 Min Balance $100 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.97%
Homebuyer Savings	0.40%	0.40%
Min Deposit $100 Min Balance $100 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.97%
Regular Savings	0.40%	0.40%
Min Deposit $2,500 Min Balance $100,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.97%
Regular Savings	0.30%	0.30%
Min Deposit $2,500 Min Balance $25,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.97%
Holiday Savings	0.25%	0.25%
Min Deposit $5 Min Balance $5 Details Balance to Earn Dividends: $5 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.97%
Homebuyer Savings	0.25%	0.25%
Min Deposit $100 Min Balance $100 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.97%
Student Savings	0.25%	0.25%
Min Deposit $1 Details Balance to Earn Dividends: N/A Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.97%
Business Savings	0.20%	0.20%
Min Deposit $1 Min Balance $1 Details Regular Savings account required for all Business accounts. Par value of one share is $1. For dividend computation refer to your business account agreement. All accounts are variable-rate accounts except those specifically indicated as fixed-rate accounts. Dividend rates and annual percentage yields are determined by the Board of Directors and are subject to change at any time. Programs (including, without limit, fees, rates and features) subject to change without notice. Business Savings account dividends are compounded quarterly. Fees may reduce earnings. See Business Fee Schedule for applicable fees if balance drops below minimum. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.97%
Business Savings	0.15%	0.15%
Min Deposit $1 Min Balance $1 Details Regular Savings account required for all Business accounts. Par value of one share is $1. For dividend computation refer to your business account agreement. All accounts are variable-rate accounts except those specifically indicated as fixed-rate accounts. Dividend rates and annual percentage yields are determined by the Board of Directors and are subject to change at any time. Programs (including, without limit, fees, rates and features) subject to change without notice. Business Savings account dividends are compounded quarterly. Fees may reduce earnings. See Business Fee Schedule for applicable fees if balance drops below minimum. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.97%
Regular Savings	0.15%	0.15%
Min Deposit $2,500 Min Balance $10,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.97%
Regular Savings	0.10%	0.10%
Min Deposit $2,500 Min Balance $2,500 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.97%

United Heritage Credit Union Money Market Rates

Product	Rate	APY
VIP Money Market	0.40%	0.40%
Min Deposit $2,500 Min Balance $2,500 Details Regular Savings account required for all checking accounts. Par value of one share is $1. Rates and annual percentage yields are subject to change at any time. Checking account dividends are compounded monthly. Fees may reduce earnings. See Fee Schedule for applicable fees. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.97%
VIP Money Market	0.30%	0.30%
Min Deposit $2,500 Min Balance $2,500 Details Regular Savings account required for all checking accounts. Par value of one share is $1. Rates and annual percentage yields are subject to change at any time. Checking account dividends are compounded monthly. Fees may reduce earnings. See Fee Schedule for applicable fees. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.97%
VIP Money Market	0.15%	0.15%
Min Deposit $2,500 Min Balance $2,500 Details Regular Savings account required for all checking accounts. Par value of one share is $1. Rates and annual percentage yields are subject to change at any time. Checking account dividends are compounded monthly. Fees may reduce earnings. See Fee Schedule for applicable fees. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.97%
VIP Money Market	0.10%	0.10%
Min Deposit $2,500 Min Balance $2,500 Details Regular Savings account required for all checking accounts. Par value of one share is $1. Rates and annual percentage yields are subject to change at any time. Checking account dividends are compounded monthly. Fees may reduce earnings. See Fee Schedule for applicable fees. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.97%

United Heritage Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New/Used Auto Loan	-	-	3.99%	0 to 36 Months
Details As Low As Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.97%
New/Used Auto Loan	-	-	5.09%	37 to 48 Months
Details As Low As Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.97%
New/Used Auto Loan	-	-	5.44%	49 to 60 Months
Details As Low As Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.97%
New/Used Auto Loan	-	-	5.64%	61 to 72 Months
Details As Low As Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.97%
New/Used Auto Loan	-	-	6.09%	73 to 84 Months
Details As Low As Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.97%

United Heritage Credit Union Other Rates

Product	Rate	Points	APY/APR
Home Loan	-	-	6.15%
Details As Low As Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.97%
Independence Account	0.25%	-	0.25%
Min Deposit $100 Min Balance $100 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.97%
Independence Account	0.40%	-	0.40%
Min Deposit $100 Min Balance $100 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.97%
Independence Account	0.60%	-	0.60%
Min Deposit $100 Min Balance $100 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.97%
Individual Retirement Account Variable Rate	0.35%	-	0.35%
Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.97%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

United Heritage Credit Union’s Texas Ratio rose from 6.49% in Q2 2023 to 7.97% in Q1 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$1.7B	7.97%	5.0	A
December 31, 2025	$1.7B	6.75%	5.0	A
September 30, 2025	$1.7B	7.17%	5.0	A
June 30, 2025	$1.6B	7.36%	5.0	A
March 31, 2025	$1.6B	7.04%	5.0	A
December 31, 2024	$1.6B	7.34%	5.0	A
September 30, 2024	$1.6B	7.35%	5.0	A
June 30, 2024	$1.6B	7.04%	5.0	A
March 31, 2024	$1.5B	6.89%	5.0	A
December 31, 2023	$1.5B	6.90%	5.0	A
September 30, 2023	$1.5B	6.52%	5.0	A
June 30, 2023	$1.5B	6.49%	5.0	A

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for United Heritage Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather United Heritage Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with United Heritage Credit Union's official website for the most current offers and terms.

2026 MBR Health & Safety Badge

United Heritage Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About United Heritage Credit Union

How many branches does United Heritage Credit Union operate?

United Heritage Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join United Heritage Credit Union?

Yes, to access services at United Heritage Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, United Heritage Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, United Heritage Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does United Heritage Credit Union offer online and mobile banking?

Most modern institutions like United Heritage Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.uhcu.org.