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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 United Heritage Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 19, 2026
United Heritage Credit Union's 12 month CD rates are at 3.73%, 18 month CD rates are at 3.65%, 24 month CD rates are at 3.60%, 36 month CD rates are at 3.30%, 6 month CD rates are at 3.25%. 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 7.47%. Rates were last updated on 04/19/2026. 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. United Heritage Credit Union
United Heritage Plaza 12515 Research Blvd Bldg 5
https://www.uhcu.org Austin, TX 78759 2247 
United Heritage Credit Union CD Rates
Methodology & Data SourcesMonitorBankRates 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.
Credit Union Profile & Overview
Credit Union Name
United Heritage Credit Union
Website
https://www.uhcu.org
Address
12515 Research Blvd Bldg 5,
Austin, TX 78759 2247
Phone
512-435-4545
Fax
512-435-4049
President
Val Velasquez
CEO
Michael Ver Schuur
Full-Time Employees
225
Part-Time Employees
1
Branch Locations
10
ATM Locations
10
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (96/100)
Texas Ratio
7.47%
Return on Assets (ROA)
0.5511%
Return on Equity (ROE)
5.5528%
Non-Performing Loans Ratio (NPL)
0.98%
Total Assets
1,650,042,367
Total Amount of Shares and Deposits
1,302,130,856
Total Shares and Deposits < 1 Year
1,227,621,543
Total Shares and Deposits 1 3 Years
67,263,071
Total Shares and Deposits > 3 Years
7,246,242
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
92,218,155
Total Uninsured Shares and Deposits > $250K (F+J)
92,218,155
Total Insured Shares and Deposits > $250K (item 17 less item K)
1,209,912,701
Total Interest Expense (Sum of items 6 8)
18,786,345
Share Certificates
5,939
Number of Accounts for Share Drafts
58,779
IRA KEOGH Accounts
2,980
Number of Accounts for Regular Shares
101,978
Non Member Deposits
20
Money Market Shares
2,151
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
239,332,976
Total Liabilities
1,493,110,438
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About United Heritage Credit UnionIs United Heritage Credit Union a safe place to deposit money?Yes, United Heritage Credit Union is considered a safe financial institution. With a Texas Ratio of 7.4671980071386%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. 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. Current United Heritage Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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