Credit union · NCUA insured
United Heritage Credit Union Savings Rates
United Heritage Credit Union’s best savings rate is 0.60% APY on $10,000, with its Independence Savings. Rates checked October 16, 2026.
How United Heritage Credit Union’s savings rates compare
Compared with banks and credit unions near Austin, TX, where United Heritage Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
United Heritage Credit Union
0.60%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $60
Independence Savings
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
Nizari Credit Union
4.00%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $400
United Heritage Credit Union savings score
80
Savings score
Higher than 53% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0000.60%
- $100,000 balance$100,0000.60%
- QualifiedQualified0.60%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where United Heritage Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Homebuyer Savings
0.60%APY · 1 term
Requires a 30-month investment term. Early withdrawal subject to loss of dividends, but no penalty if wired to a title company. Waived wire fees when wiring down payment. Membership/Regular Savings required.
| Term | APY · $100 – $4,999 | APY · $5,000 – $9,999 | APY · $10,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 30 monthsDividend rate compounded monthly; paid monthly on balances exceeding $100. Early withdrawal subject to loss of dividends (penalty waived if wired to title company) | 0.25% | 0.40% | 0.60% | 0.60%0.25% $100–$5k0.40% $5k–$10k | $151 |
Sources (3)
- uhcu.org/resources/rates-and-fees
- uhcu.org/banking/personal-banking/savings
- uhcu.org/banking/personal-bank…omebuyer-savings-account
All captured Oct 6, 2026
Independence Savings
0.60%APY · 1 term
Requires a 30-month investment term with fixed interest rate. Early withdrawal subject to loss of dividends. Membership/Regular Savings required.
| Term | APY · $100 – $4,999 | APY · $5,000 – $9,999 | APY · $10,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 30 monthsDividend rate compounded monthly; early withdrawal subject to loss of dividends | 0.25% | 0.40% | 0.60% | 0.60%0.25% $100–$5k0.40% $5k–$10k | $151 |
Sources (2)
All captured Oct 6, 2026
VIP Money Market
0.15%APY
Membership/Regular or Student Savings required. Regular Savings account required for all checking accounts. Par value of one share is $1. Dividends compounded and paid monthly. No fees if daily minimum balance is maintained. Maximum of 3 checks written per month.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 – $9,999 | 0.10% | — |
| $10,000 – $24,999 | 0.15% | $15 |
| $25,000 – $99,999 | 0.30% | — |
| $100,000 and up | 0.40% | — |
Sources (2)
All captured Oct 6, 2026
Regular Savings
0.15%APY
Membership required ($1 deposit establishes shared ownership). Required for all savings accounts, CDs, and IRAs.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $1,999Dividends compounded quarterly; paid quarterly on balances exceeding $100. | 0.20% | — | Dividends compounded quarterly; paid quarterly on balances exceeding $100. |
| $2,000 and upDividends compounded quarterly; paid quarterly on balances exceeding $100. | 0.15% | $15 | Dividends compounded quarterly; paid quarterly on balances exceeding $100. |
Sources (2)
All captured Oct 6, 2026
Special Savings
0.15%APY
Membership/Regular Savings required.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $1,999Dividends compounded quarterly; paid quarterly on balances exceeding $100. | 0.20% | — | Dividends compounded quarterly; paid quarterly on balances exceeding $100. |
| $2,000 and upDividends compounded quarterly; paid quarterly on balances exceeding $100. | 0.15% | $15 | Dividends compounded quarterly; paid quarterly on balances exceeding $100. |
Sources (2)
All captured Oct 6, 2026
Special-purpose accounts
Variable-Rate IRA
0.35%APY
Traditional and Roth IRAs available. Spousal IRA contributions permitted. Membership/Regular Savings required.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compounded quarterly.Any balance | 0.35% | $35 | Dividends compounded quarterly. |
Sources (2)
All captured Oct 6, 2026
Holiday Savings
0.25%APY
Membership/Regular Savings required. Balance transfers to select UHCU account on November 1. Early withdrawal closes account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upDividends compounded quarterly; paid quarterly on balances exceeding $5.$5 and up | 0.25% | $25 | Dividends compounded quarterly; paid quarterly on balances exceeding $5. |
Sources (2)
All captured Oct 6, 2026
Student Savings
0.25%APY
Required membership account for members under age 18. Adult signer required. Converts to Regular Savings at age 18.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compounded and paid quarterly.Any balance | 0.25% | $25 | Dividends compounded and paid quarterly. |
Sources (3)
- uhcu.org/resources/rates-and-fees
- uhcu.org/banking/personal-banking/savings
- uhcu.org/banking/personal-bank…/savings/student-savings
All captured Oct 6, 2026
Who can join United Heritage Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Business membership is open to corporations, sole proprietorships, LLCs, or partnerships located in Bastrop, Bell, Blanco, Burnet, Caldwell, Hays, Lee, Milam, Travis, Williamson, Cherokee, Gregg, Henderson, Rusk, Smith, Upshur, Van Zandt, or Wood counties.
- Business membership is open to businesses anywhere in the state of Texas.
- Membership is open to the Central Texas, Austin, and Tyler communities.
Other ways
- Business membership is open if you are a current member of United Heritage.
Membership information collected October 5, 2026.