Back to Austin credit unions

United Heritage

PO Box 202020, Austin, TX 78720
NCUA Insured3.8 (72 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1957

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

PO Box 202020

Austin, TX 78720

Service Area

This credit union is located in Austin and serves members in the TX area. Currently serving 82,873 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

5.75%

Used Auto Loan

5.75%

Personal Loan

12.37%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in TX

Lowest rates currently reported by credit unions in TX (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(12 total)

Member Reviews

3.8

72 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Corrine Howard

Corrine Howard

5 months ago

Love the CU. Always helpful. Have great hours for lobby and drive thru.

Samantha Overfelt

Samantha Overfelt

11 months ago

Christina R was so amazing and helpful with refinancing my car. I was overwhelmed with the multiple choices, and communication, and she walked me through it with ease, and in a timely manner. Couldn’t have done it without her!!

Stephanie Gonzales

Stephanie Gonzales

2 years ago

I have been a customer here for at least 10 years. I have 3 accounts with them. 1 business and 2 personal. Today I was charged a fee when I came into the branch and helped with no notice of said fee. I looked at my account when I got home and there it was. They reimbursed me but the lack of integrity already exists. The guy that helped me, Sammy Ramirez, was so dry and had little to no social skills. He seemed too important to bother helping me let alone the older gentleman he helped after me. The older man had given him his name and 3 minutes later when he came to call him up, he said a different name so the man didn’t follow. Rather than going back to ensure he was helped, Sammy ignored the situation and went back to whatever he was doing. I noticed and told the man Sammy was ready for him. When I called regarding the fee, I wanted to make someone aware of my experience. Unfortunately the helpline just apologized and moved on. When they did, they called me Alice which is not my name. 😔😣 I seem to have at least one of these instances/year with this financial institution. I’m happy to move my accounts elsewhere now that I know they don’t really care about customer service or integrity.

Jack Bradshaw

Jack Bradshaw

7 months ago

I'm disabled and I was unable to walk inside to have my card replaced these nice people accommodated me by having my card ready in the drive thru for me God bless you all

Emma Hernandez

Emma Hernandez

2 years ago

They make it so difficult to make payments it’s ridiculous. Tried tying my bank account so I can pay online, but Wells Fargo blocks them. The automated system over the phone rarely works and long hold times to speak with someone. When I got a hold of someone to speak to she scolded me for not having emails turned on for my account (my mail gets stolen) but when I called back recently to say I still don’t get emails they told me they don’t send emails for car loans. They really make it hard for their clients. It’s 2024, please establish a more modern payment platform/method of communication. Do not recommend.

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).