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United Heritage Credit Union Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
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.
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 and Verified: October 14, 2026
United Heritage Credit Union's top rates as of October 14, 2026 are 3.91% APY on its 12 month CD, 0.25% APY on savings, 0.40% APY on money market accounts, and auto loans from 3.99% APR, according to rates verified by MonitorBankRates. Other United Heritage Credit Union CD rates include 12 Month Fixed-Rate CD of Deposit at 3.91%, 18 month CD at 3.91%, and 18 Month Fixed-Rate CD of Deposit at 3.91%. 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 8.63%. Rates last updated and verified on 10/14/2026.
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 has earned an overall safety grade of A (Excellent, Score: 96/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
United Heritage Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
8.63%
ExcellentHigher than avg
United Heritage Credit Union Texas Ratio
United Heritage Credit Union's Texas Ratio is 8.63%, which is considered excellent and is higher than the national average of 6.13%.
United Heritage Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
6.52% to 8.63% over 12 quarters, steadyFull history
Star Rating 5.0 to 5.0, Health Grade A to A
The Texas Ratio for this credit union has held steady at a healthy level since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.
1 change since Sep 14, 2026 · 3.10% → 3.45% ▲ 0.35 pts · high 3.45% / low 3.10%
Sep 27, 20263.45%▲ from 3.10%
Sep 14, 20263.10%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.63%
3 Month Fixed-Rate Certificate of Deposit
2.487%
2.51%
3 Months
Min Deposit$1,000
Min Balance$1,000
DetailsEffective 10/13/2026; Dividend Pay & Compound: N/A; Three month CDs are not compounded, dividends credited at maturity
Last Updated10/14/2026
Rate History
1 change since Sep 14, 2026 · 0.60% → 2.51% ▲ 1.91 pts · high 2.51% / low 0.60%
Sep 27, 20262.51%▲ from 0.60%
Sep 14, 20260.60%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.63%
Certificate of Deposit - 3 month
2.487%
2.51%
3 Months
Min Deposit$1,000
Min Balance$1,000
DetailsDividend Pay & Compound: N/A (not compounded; dividends credited at maturity); Membership/Regular Savings account required; Early withdrawal subject to loss of dividends
Last Updated10/14/2026
Rate History
1 change since Sep 14, 2026 · 0.60% → 2.51% ▲ 1.91 pts · high 2.51% / low 0.60%
Oct 14, 20262.51%▲ from 0.60%
Sep 14, 20260.60%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.63%
United Heritage Credit Union Savings Rates
Product
Rate
APY
View More
Holiday Savings
0.25%
0.25%
Min Deposit$5
DetailsBalance to Earn Dividends: $5; Dividends compounded quarterly
Last Updated10/14/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.63%
Student Savings
0.25%
0.25%
Min Deposit$1
DetailsDividends compounded quarterly
Last Updated10/14/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 6 times
No change since Sep 18, 2026 · 0.20% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.63%
Regular Savings
0.15%
0.15%
Min Deposit$1
Min Balance$1
DetailsBalance: $2,000 and above; Dividends compounded quarterly; Minimum Balance: $1
Last Updated10/14/2026
Rate History
1 change since Sep 18, 2026 · 0.20% → 0.15% ▼ 0.05 pts · high 0.20% / low 0.15%
Oct 14, 20260.15%▼ from 0.20%
Sep 18, 20260.20%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.63%
Special Savings
0.15%
0.15%
Min Deposit$1
DetailsBalance: $2,000 and above; Dividends compounded quarterly
Last Updated10/14/2026
Rate History
No change since Sep 18, 2026 · 0.15% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.63%
United Heritage Credit Union Business Savings Rates
Product
Rate
APY
View More
Business Savings
0.15%
0.15%
Min Deposit$1
Min Balance$1
DetailsBalance: $2,000 and above; Business Savings dividends are compounded quarterly; Fees may reduce earnings; See Business Fee Schedule if balance drops below minimum
Last Updated10/14/2026
Rate History
1 change since Sep 14, 2026 · 0.20% → 0.15% ▼ 0.05 pts · high 0.20% / low 0.15%
Sep 22, 20260.15%▼ from 0.20%
Sep 14, 20260.20%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.63%
United Heritage Credit Union Money Market Rates
Product
Rate
APY
View More
VIP Money Market
0.40%
0.40%
Min Deposit$2,500
Min Balance$2,500
DetailsBalance: $100,000 and above; Dividend rates are compounded monthly; Fees may reduce earnings
Last Updated10/14/2026
Rate History
1 change since Sep 14, 2026 · 0.30% → 0.40% ▲ 0.10 pts · high 0.40% / low 0.30%
Sep 18, 20260.40%▲ from 0.30%
Sep 14, 20260.30%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.63%
VIP Money Market
0.30%
0.30%
Min Deposit$2,500
Min Balance$2,500
DetailsBalance: $25,000-$99,999; Dividend rates are compounded monthly; Fees may reduce earnings
Last Updated10/14/2026
Rate History
2 changes since Sep 14, 2026 · 0.30% → 0.30% ▼ 0.00 pts · high 0.40% / low 0.30%
Sep 22, 20260.30%▼ from 0.40%
Sep 18, 20260.40%▲ from 0.30%
Sep 14, 20260.30%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.63%
VIP Money Market
0.15%
0.15%
Min Deposit$2,500
Min Balance$2,500
DetailsBalance: $10,000-$24,999; Dividend rates are compounded monthly; Fees may reduce earnings
Last Updated10/14/2026
Rate History
2 changes since Sep 14, 2026 · 0.30% → 0.15% ▼ 0.15 pts · high 0.40% / low 0.15%
Sep 22, 20260.15%▼ from 0.40%
Sep 18, 20260.40%▲ from 0.30%
Sep 14, 20260.30%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.63%
VIP Money Market
0.10%
0.10%
Min Deposit$2,500
Min Balance$2,500
DetailsBalance: $2,500-$9,999; Dividend rates are compounded monthly; Fees may reduce earnings
Last Updated10/14/2026
Rate History
2 changes since Sep 14, 2026 · 0.30% → 0.10% ▼ 0.20 pts · high 0.40% / low 0.10%
Sep 22, 20260.10%▼ from 0.40%
Sep 18, 20260.40%▲ from 0.30%
Sep 14, 20260.30%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.63%
United Heritage Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
New/Used Auto Loan
-
-
3.99%
0 to 36 Months
DetailsAs Low As; APR applies to well-qualified borrowers; APR dependent on collateral, loan amount, credit and term selected
Last Updated10/14/2026
Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.63%
New/Used Auto Loan
-
-
5.09%
37 to 48 Months
DetailsAs Low As; APR applies to well-qualified borrowers; APR dependent on collateral, loan amount, credit and term selected
Last Updated10/14/2026
Rate History
No change since Sep 14, 2026 · 5.09% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.63%
New/Used Auto Loan
-
-
5.44%
49 to 60 Months
DetailsAs Low As; APR applies to well-qualified borrowers; APR dependent on collateral, loan amount, credit and term selected
Last Updated10/14/2026
Rate History
No change since Sep 14, 2026 · 5.44% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.63%
New/Used Auto Loan
-
-
5.64%
61 to 72 Months
DetailsAs Low As; APR applies to well-qualified borrowers; APR dependent on collateral, loan amount, credit and term selected
Last Updated10/14/2026
Rate History
No change since Sep 14, 2026 · 5.64% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.63%
New/Used Auto Loan
-
-
6.09%
73 to 84 Months
DetailsAs Low As; APR applies to well-qualified borrowers; APR dependent on collateral, loan amount, credit and term selected
Last Updated10/14/2026
Rate History
No change since Sep 14, 2026 · 6.09% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.63%
United Heritage Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
Home Loan
-
-
6.153%
DetailsAs Low As; Home Loan Rates table; limited time offer; membership required; APR subject to underwriting approval
Last Updated10/14/2026
Rate History
No change since Sep 14, 2026 · 6.15% APR · checked 7 times
No change since Sep 14, 2026 · 0.35% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.63%
Financial Health History
United Heritage Credit Union’s Texas Ratio rose from 6.52% in Q3 2023 to 8.63% in Q2 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
June 30, 2026
$1.7B
8.63%
5.0
A
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
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.
Address
12515 Research Blvd Bldg 5,
Austin, TX 78759-2247
Phone512-435-4545
Fax512-435-4049
PresidentMichael Trevino
CEOMichael Ver Schuur
Full-Time Employees229
Part-Time Employees1
Branch Locations11
ATM Locations11
NCUA Insured✓ Yes, up to $250,000 per depositor
Financials
MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (96/100)
Texas Ratio
8.63%
Return on Assets (ROA)
0.2544%
Return on Equity (ROE)
2.5764%
Non-Performing Loans Ratio (NPL)
1.22%
Total Assets
1,708,127,194
Total Amount of Shares and Deposits
1,339,510,424
Total Shares and Deposits < 1 Year
1,272,600,641
Total Shares and Deposits 1 3 Years
59,951,628
Total Shares and Deposits > 3 Years
6,958,156
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
91,691,177
Total Uninsured Shares and Deposits > $250K (F+J)
91,691,177
Total Insured Shares and Deposits > $250K (item 17 less item K)
1,247,819,247
Total Interest Expense (Sum of items 6 8)
11,604,142
Share Certificates
6,250
Number of Accounts for Share Drafts
60,474
IRA KEOGH Accounts
2,922
Number of Accounts for Regular Shares
104,657
Non Member Deposits
19
Money Market Shares
2,054
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
277,842,918
Total Liabilities
1,541,028,528
Source: NCUA — Last Updated 06/30/2026
Q2 2026 MBR Health & Safety Badge
United Heritage Credit Union earned the Verified Healthy badge
Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for United Heritage Credit Union
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.
Current United Heritage Credit Union Rates
12-Month CD3.91%
18-Month CD3.91%
24-Month CD3.75%
60-Month CD3.45%
Savings0.25%
MMA0.40%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
