Whether you're buying a home, funding your education, or growing your business — UHCU offers competitive rates and terms designed to fit your goals
United Heritage Credit Union offers lending options built for where you are — and where you're headed
Competitive mortgage rates, first-time buyer programs, and refinancing options — all with local, personalized guidance.
Fast approval and flexible terms to get you behind the wheel — at a rate you can feel good about.
No collateral required. Get the funds you need quickly, with fixed rates and straightforward terms.
Access the growth capital your business needs, backed by local decision-making and a team that understands your community.
Invest in your education with affordable rates and flexible repayment options that work around your future, not against it.
Put your home's equity to work — fund renovations, consolidate debt, or cover major expenses at a low rate.
Use our loan calculator to plan ahead — no commitment required
Four straightforward steps from application to funded — UHCU makes it easy
Complete our secure application in just a few minutes — from any device
Our lending team personally reviews your application within 24 hours
Receive a clear approval decision along with your personalized loan terms
Your loan funds are deposited directly into your UHCU account — ready to use
Start your application today and get a lending decision within 24 hours — backed by people who know your community