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United Heritage Credit Union
2014 ANNUAL REPORT
2014 ANNUAL REPORT
MISSION
To those we serve,
United Heritage
BOARD OF DIRECTORS
CURRENT TERM
May Lofgreen, CCD
Harold Keyes, CCD James North, CCD John Keller, CCD H. Ralph Wilburn, CCD Grady Elliott, CCD Dale Lyon, CCD Tommy W. Lueders
Chairman
Vice Chairman
Secretary/Treasurer
Director
Director
Director
Director
Associate Director
2013-2016
2012-2015
2013-2016
2014-2017
2014-2017
2012-2015
2013-2016
The Certified Credit Union Director (CCD) certification recognizes an individual’s thorough understanding of key
issues such as risk management, succession planning and strategy. The certification honors outstanding professional
development efforts and represents dedication to the credit union movement.
Credit Union is dedicated
to providing quality,
personalized service
while maintaining a
strong financial position.
United Heritage believes
in the Credit Union
philosophy of “People
Helping People.”
SENIOR MANAGEMENT
VISION
Buddy Schroeder Michael Ver Schuur Sebrina Crawford Blake Richardson Karen Wilkerson
Nanette Courtney
Rebecca Elliott
Sara Vara President/CEO
Executive Vice President/CSO
Senior Vice President Operations/COO
Senior Vice President Lending/CLO
Senior Vice President Risk Management/CRO
Vice President Compliance/CCO
Vice President Finance/CFO
Vice President Human Resources/CHRO
To be the financial
institution of choice.
At United Heritage Credit Union, bettering the lives of our
members and others in the community is a core value.
Building those relationships over the years is a privilege.
May Lofgreen, Chairman
UHCU 2
service, strength,
community
United Heritage’s mission statement
reflects a critical balance of
Personalized Service, Financial Strength
and Community. These elements embody
the commitment we have to our
members and the communities we serve.
2015 will mark my 20th year serving
as Chairman of the United Heritage
Credit Union Board of Directors.
During that period, I have had the
opportunity to work with great
volunteers and staff, consistently
striving to fulfill the Credit Union’s
mission. Over the past twenty years,
many successes have been realized
towards that goal.
Financial strength is critical. Only by
maintaining a stable, viable financial
environment can the Credit Union
position itself to fulfill our mission.
And only through growth can we
continue to support those activities.
Assets, deposits, loans, capital and
earnings all reflect that growth and
stability. United Heritage now exceeds
$800 million in assets and by all
measures remains a safe haven for
our members’ funds.
Personalized service is a differentiating
factor among financial institutions.
Program growth over the past two
decades is indicative of our success
providing relevant programs that add
value to our members’ lives. Since
1995, the Credit Union has opened
eight new branches and a call center,
introduced Online Banking, Web BillPay
and Mobile Banking, added lending
programs and expanded into social
media. All were designed to increase
service and access to programs. In
addition, satisfaction ratings provided
by our membership have consistently
run 97% and above, a favorable
reflection on those efforts.
Member satisfaction with programs
and service is foremost in the Board’s
assessment of performance. Face-toface feedback is the best measure
of performance. Annual Member
Appreciation Events give the Board a
unique opportunity to assess not only
satisfaction, but also the needs of
our membership.
Credit unions have a long history of
community service, exemplified in the
philosophy of “People Helping People.”
I am proud of United Heritage’s
accomplishments fulfilling this aspect
of our mission. This is reflected in many
ways, including the extended efforts of
the United Heritage Charity Foundation
and Team United Heritage. Both
programs position United Heritage in
the forefront of community involvement.
Whether it be helping members
achieve financial independence, or
assisting the sick and needy in our
community, United Heritage is there,
fulfilling our mission of service.
2014
ASSETS$804.1
NET INCOME $5.0
DIVIDENDS PAID $3.8
TOTAL LOANS $551.9
SHARE DEPOSITS $726.5
Mobile
Banking
Record
Usage
2010
Access to
32,000
Nationwide
ATMs
Introduced
ASSETS$652.6
NET INCOME $3.7
DIVIDENDS PAID $7.7
TOTAL LOANS $462.9
SHARE DEPOSITS $569.3
2005
ASSETS$406.4
NET INCOME $3.4
DIVIDENDS PAID $5.4
TOTAL LOANS $323.5
SHARE DEPOSITS $339.8
New
Logo &
Branding
2000
ASSETS$257.2
NET INCOME $1.5
DIVIDENDS PAID $8.2
TOTAL LOANS $208.6
SHARE DEPOSITS $237.6
Web
BillPay
Launched
Federal to
State Charter
Conversion
1995
ASSETS$147.4
NET INCOME $1.5
DIVIDENDS PAID $4.5
TOTAL LOANS $112.0
SHARE DEPOSITS $134.8
Share
Deposits
Top
$134 Million
Dollars in Millions
MAY LOFGREEN, CHAIRMAN
UHCU
ANNUAL REPORT 2014
3
CHAIRMAN’S REPORT
United Heritage Credit Union enjoyed
another successful year in 2014. This
success is reflected in record growth,
member service use and community
support. Record service use resulted in
previously unrealized levels of share
and loan growth, driving our assets past
the $800 million mark. Such growth can
be attributed to our members, ready to
improve their financial picture, looking
to their Credit Union for the value it
offers. As we grow, the Credit Union
continues to enhance services, offer
new programs and keep competitive
share and loan rates. At the same time,
we maintain our focus on convenience,
financial strength and personalized
service. All factors contribute to United
Heritage being the credit union our
members expect and deserve.
One of our annual highlights are the
Membership Appreciation events in
Austin and Tyler where members enjoy
food, prizes and activities. Austin-area
members celebrate at the United Heritage
Conference Center while cheering on
the Round Rock Express. The 2014
two-day Austin celebration was so well
received that the 2015 event will be
expanded to three days to allow for
participation by more members. Events
in both cities provide unique opportunities
for Board and staff to visit with members,
gaining insight into their satisfaction,
needs and expectations.
850
800
750
700
650
600
2010
2011
2012
2013
2014
$652.6 $685.8 $719.2 $766.2 $804.1
TOTAL ASSETS
Dollars in Millions
UHCU 4
Success is measured in many ways,
none more important than the service
provided to our member-owners. The
Credit Union is fortunate to have
exceptional employees, committed to
meeting both member needs and goals
for service established by the Board,
and reflected in the Credit Union’s core
values. For the fifth consecutive year
United Heritage was recognized by its
employees as one of the Top Workplaces
in the Austin area. This recognition is
significant, as it reflects the support the
employees have for the mission of the
Credit Union.
Commitment to the communities served
is embodied in the Credit Union’s values
and exemplified by staff. Team United
Heritage, an organization of employees,
continued a tradition of community
service, donating 559 hours of personal
time supporting deserving causes. Team
United Heritage’s efforts are supported
by the United Heritage Charity Foundation,
a non-profit charitable organization
founded in 2003. Behind strong
volunteer and staff fundraising support,
and an automobile raffle in partnership
with Howdy Honda, the United Heritage
Charity Foundation contributed $62,345
to deserving charities in 2014 and
$1,242,614 since it was established.
During my thirty-one years on the Board
of Directors of United Heritage Credit
Union, I have had the privilege of serving
with many devoted volunteers. The
success of the Credit Union can be
attributed to those volunteer Board
members who give of their time and
knowledge to insure United Heritage
remains a strong financial institution,
deserving of our members’ trust. They
give many hours to education, planning
and meeting – all out of a strong belief
in the cooperative values the Credit
Union embodies.
Going forward into 2015, United Heritage
Credit Union remains committed to
delivering viable, pertinent programs
and services. This is essential to
maintaining the trust and dedication of
our members, which we have worked to
earn. At the same time, we will remain
mindful of our commitment to community,
exemplifying the credit union philosophy
of “People Helping People.”
MAY LOFGREEN, CHAIRMAN
Outstanding services in every category! I’ve been with United
Heritage since 1974 when it was Bergstrom Federal Credit Union.
Roger, member since 1974
At United Heritage, we work hard to create valuable
online financial resources and enhanced digital access to
accounts. In 2014, more members than ever began using
the United Heritage Mobile Banking App. The convenience
of Online Banking and Web BillPay capabilities in an app
puts a powerful tool in members’ hands.
United Heritage is dedicated to the protection of your
personal private information and takes vigilant measures
to ensure your information remains safe. In 2014, a
Security Center was established on the United Heritage
website uhcu.org. The Security Center provides members
with current information about the latest security threats
and helpful tips to protect their finances.
The United Heritage Blog contains information about
managing money, car buying, home ownership and much
more. It’s also a great way to catch up on what’s
happening at the Credit Union—charitable activities,
events and contests.
We also strive to build a sense of community online
through personal interaction and feedback with our
members through social media outlets like Facebook and
Twitter. In 2014, engagement with members on social
media grew by 169%. By year end, the number of United
Heritage Facebook fans grew to 6,722.
connecting community
UHCU
ANNUAL REPORT 2014
5
$804.1
ASSETS
$766.2
$551.9
LOANS
$515.8
$726.5
DEPOSITS
$680.0
$3.8
DIVIDENDS
$4.0
$5.0
NET INCOME
$4.3
55,535
MEMBERS
54,548
FINANCIAL SNAPSHOT
2014 / 2013
Dollars in Millions
Creating value in membership with United Heritage is a
responsibility taken seriously and a challenge we will
continue to meet.
Buddy Schroeder, President and CEO
UHCU 6
PRESIDENT’S REPORT
Positive financial trends continued in
2014, as United Heritage Credit Union
remained a secure and trusted financial
institution for our members and their
funds. The Credit Union continued to
flourish during the year, surpassing
several milestones along the way.
Assets exceeded $800 million, fueled by
record deposit levels. Loan originations
achieved a new high, continuing the
tradition of putting member deposits to
their best use.
Member satisfaction levels reflected
improvement on previous levels of
excellent service. In addition, the Credit
Union remained financially strong and
viable. This is evidenced in earnings and
capital growth, as well as assessments
conducted by state and federal
regulators and the Credit Union’s external
audit firm.
Moving forward, feel assured United
Heritage will remain persistent in our
goal to assist members with their
financial needs. Initiatives for 2015 are
in motion, including the introduction of
remote deposit capture and improved
lending services. Remote deposit capture
will provide members with the
convenience of depositing funds using
their mobile devices. New loan
origination systems will provide the
ability to monitor loan progress from the
convenience of their home.
United Heritage continues to benefit
from an exemplary group of employees.
Their commitment to the Credit Union is
reflected in our successes highlighted
within this annual report. During 2014,
two changes occurred within our senior
management team. Josh Robles, Director
of Business Lending and an employee of
twelve years, assumed oversight of
business lending operations, supporting
our commitment to local business
communities. Nanette Courtney joined
the team as Vice President of
Compliance/Chief Compliance Officer,
part of ongoing efforts to address
increasing regulatory requirements.
Volunteer leaders play a vital role
in the Credit Union. They embody the
cooperative spirit of the credit union
movement. United Heritage is fortunate
to have a knowledgeable, devoted group
of board members, with a combined 174
years of experience. They give extensively
of their time, training and planning,
establishing goals for service and
ensuring the needs of members are
paramount in all aspects of the Credit
Union’s operations.
Members have choices in financial
institutions. It is our mission to make
United Heritage Credit Union their first
choice. This is done by offering competitive,
relevant services and creating value in
membership with United Heritage. It is a
responsibility taken seriously and a
challenge we will continue to meet.
2014
$5.0
2013
$4.3
2012
$4.0
2011
$3.2
2010
$3.7
NET INCOME
Dollars in Millions
2014
$3.8
2013
$4.0
2012
$4.5
2011
$5.3
2010
$7.7
DIVIDENDS PAID
Dollars in Millions
8.60%
RESERVES
8.43%
4.34%
FIXED ASSET RATIO
4.62%
RATIOS
2014 / 2013
BUDDY SCHROEDER,
PRESIDENT AND CEO
UHCU
ANNUAL REPORT 2014
7
TREASURER’S REPORT
As Treasurer of the Board of Directors,
I am pleased to report on the performance
of our Credit Union this past year.
Behind a sustained good economic
climate, United Heritage Credit Union
continued to grow and strengthen
during 2014.
$366.6
DOLLARS
IN MILLIONS
$352.5
8,536
NUMBER
OF LOANS
7,758
APPROVED LOANS
2014 / 2013
LOAN
DELINQUENCY
.06%
.05%
68.64%
LOAN
TO ASSET
67.32%
75.97%
LOAN
TO DEPOSIT
75.86%
RATIOS
2014 / 2013
UHCU 8
Growth was experienced in many of
the Credit Union’s operations. Assets,
shares and loans all achieved record
levels during 2014. Assets totaled $804
million at year end, while shares totaled
$726 million and loans posted a record
high $552 million. Financial strength
was also reflected in several areas,
including capital levels, which achieved
all-time highs during 2014. The capital
ratio rose to 8.6% at year end,
solidifying United Heritage Credit
Union’s status as a “well-capitalized”
institution by regulatory standards.
As important, if not more important, as
financial strength is the level of success
realized in fulfilling the Credit Union’s
mission of service and value to our
member-owners. In assessing that
success, the Board of Directors and
management not only look at member
satisfaction levels, which achieved
all-time highs during 2014, but also look
at product and program use.
During 2014, a record 8,536 member
loans totaling $366 million were
approved. Checking program use surged
in 2014, with 41,605 checking accounts
by year-end. Debit card transactions
averaged 2,187,000 per month, with a
single month all-time high 2,283,691
transactions. Other programs, such as
Premier Perks, eStatements, Online
Banking and Business Services recorded
similar levels of success. Continuing
United Heritage’s history of strong
return on member deposits, during 2014
the Credit Union paid $3.8 million in
dividends on members’ shares.
Results reflect that throughout 2014
United Heritage successfully balanced a
commitment to financial strength while
creating value for our members. As we
move forward, contributing to our
members achieving financial freedom
is essential to fulfilling the Credit
Union’s mission. United Heritage is
well-positioned to realize that goal,
operating from a position of financial
strength and strong resolve.
JAMES NORTH,
SECRETARY/TREASURER
AUDIT COMMITTEE REPORT
The Audit Committee of United Heritage
Credit Union consists of three volunteer
United Heritage members appointed
annually by the Board Chairman.
Committee members are selected based
upon their experience, expertise and
commitment to the Credit Union. The
Audit Committee has among its
responsibilities monitoring regulatory
supervisory processes, overseeing
internal and external audit functions
and collaborating with the Credit Union’s
Risk Management Department ensuring
operational and strategic goals for
member service are realized.
In accordance with Texas Finance Code
requirements, the independent audit
firm PMB Helin Donovan, LLP was
engaged to perform the financial audit of
United Heritage Credit Union and its
subsidiaries for the year 2014. Based
upon that audit, United Heritage Credit
Union received an unqualified opinion
on the consolidated financial statements
as of December 31, 2014.
In fulfillment of state and federal
regulatory requirements, United Heritage
was also examined by representatives
of both the State of Texas Credit Union
Department and National Credit Union
Administration during 2014. Based upon
the collective findings of independent
auditors and federal and state regulatory
examiners, combined with financial and
operational statements, the Audit
Committee is pleased to report the
Credit Union’s financial objectives are
being met and procedures are in place
to safeguard members’ assets.
In an ongoing effort to ensure member
service goals are realized, the Audit
Committee and Risk Management staff
work collectively, monitoring program
use and satisfaction levels. For 2014,
member fulfillment surveys reflected a
100% favorable service rating, reflective
of continued strong member satisfaction
and support.
750
700
650
600
The United Heritage Credit Union Audit
Committee remains committed to
the mission and values of the Credit
Union and to ensuring a high level of
service and benefit to our 55,000 plus
member-owners.
HAROLD KEYES, CHAIR
GRADY ELLIOTT
JAMES NORTH
550
500
2010
2011
2012
2013
2014
$569.3 $607.9 $643.1 $680.0 $726.5
TOTAL SHARE DEPOSITS
Dollars in Millions
100
90
80
70
60
50
40
30
20
10
0
2011
0% 2% 14.9% 83.1%
2012
.4% 3.3% 12.5% 83.8%
2013
0% 2% 12% 86%
2014
0% 2% 11% 87%
NEW MEMBER SATISFACTION
UNSATISFACTORY / SATISFACTORY / GOOD / EXCELLENT
UHCU
ANNUAL REPORT 2014
9
STATEMENTS OF FINANCIAL CONDITION
Assets
20142013
Loans
(Less Allowance for Loan Loss)
$
551,893,059
$ 515,794,877 $
(1,031,719)
$
Cash/Cash On Deposit
Investments
Fixed Assets
Share Insurance
Other Assets
TOTAL ASSETS
$
7,406,967 $
(1,469,943) 9,021,951 $ 192,628,113 $ 188,227,652 $
32,216,592 $
33,097,531 $
6,806,369 $
6,500,157 $
14,137,892 $
15,051,195 $ 804,057,273 Liabilities & Equity
$ 766,223,420 2014
2013
Accounts Payable
Dividends Payable
$
7,457,089 $
22,147,303 $
424
$
Other Liabilities
Member Deposits
$
2,327,862 $
$ 726,507,755 $ 679,973,473 Regular Reserves
$
11,471,964 $
11,471,964 Undivided Earnings
$
56,649,866 $
51,666,650 Unrealized Gain/Loss
$
(357,687)
$
(1,026,921)
TOTAL LIABILITY & EQUITY
$ 804,057,273 516 1,990,435 $ 766,223,420
TOTAL LOANS
SERVICE USAGE
Service
2014
2013
550
Mobile Banking Accounts
14,081
Online Banking Logins
4,417,946
11,356 535
3,712,560
520
505
ATM/Debit Card Transactions 26,316,956
Member Checks Processed
1,582,340
25,154,247
490
1,645,829
485
Shared Branching Transactions 152,302
136,990
Shared branching offers branch facilities to credit union members from all over
the country, giving members over 5,000 convenient locations at which to perform
transactions, just as if they were in their home credit union.
470
455
440
2010
2011
2012
2013
Dollars in Millions
UHCU 10
2014
$462.9 $448.4 $445.2 $515.8 $551.9
STATEMENTS OF INCOME
Income
20142013
Loans
$
21,429,834 $
22,152,545 Investments
$
1,629,033
$
1,940,656
Gain on Sale of Assets
$
95,358 $
—
Other
$
9,421,406 $
GROSS INCOME
$32,575,631 Expenses
9,500,612 $33,593,813 20142013
Operating Expenses
Provision for Loan Loss
NCUA/NCUSIF Assessment
$
12,711,410 $
13,180,219 $
65,325 $
442,883 $
—
$
520,013 Other General and Admin
$
10,978,832 $
11,134,491 TOTAL EXPENSES
$23,755,567 $25,277,606
Income Before Dividends
Dividends Paid
NET INCOME
$ 8,820,064 $8,316,207 $
$
Members
DISTRIBUTION OF ASSETS
3,836,848 $ 4,983,216
4,022,459 $4,293,748
55,53554,548
DISTRIBUTION OF INCOME
1% 2%
4%
15%
12%
24%
69%
73%
l Loans, net
l Cash/Investments
l Fixed Assets
l Share Insurance
l Other Assets
$ 550,861,340
$ 200,035,080
$ 32,216,592
$
6,806,369
$ 14,137,892
TOTAL ASSETS
$ 804,057,273
l Expenses
l Dividends
l Reserves and Undivided Earnings
$23,755,567
$
3,836,848
$
4,983,216
GROSS INCOME
$
32,575,631
UHCU
ANNUAL REPORT 2014
11
TEAM UNITED HERITAGE
Charities supported in 2014:
Alzheimer’s Association
Austin Junior League Coats for Kids Project
Big Brothers Big Sisters
BookSpring
Breast Cancer Resource Center of Central Texas
Capital Area Food Bank
CASA of Austin
Dell Children’s Regional Heart Program
Dress for Success
Elderhaven of Williamson County
Junior Achievement
Kids Café (A Capital Area Food Bank Program)
Literacy Council of Tyler
Mobile Loaves and Fishes
PATH (Tyler)
Round Rock Serving Center Area
Salvation Army
U.S. Marine Corps Reserve Toys for Tots Program
Williamson County Regional Animal Center
UHCU 12
At United Heritage, our employees
believe in giving back and being
active in the community. One way
in which employees make a
difference is by joining Team United
Heritage. These caring individuals
volunteer their time for worthy
causes, participate in fundraising
events and collect donations for
charitable organizations.
In 2014, 131 Team United
Heritage volunteers participated in
26 events across Central and East
Texas, donating a total of 559
volunteer hours. The team also
raised $17,996 in funds and
goods for area charities.
Team United Heritage is a
positive force in the community.
These employees happily go above
and beyond to help the
communities we serve become
better places for everyone to live,
learn, work and play.
I’m always so happy to participate with Team United Heritage. My favorite
part of volunteer events is joining with coworkers from many locations and
working together to help make our community a better place. It’s also
exciting to see what a huge impact our 200+ employees can make on a
book or school supply drive.
Danielle Harris, Team United Heritage Team Coordinator
creating community
UHCU
ANNUAL REPORT 2014
13
2014 United Heritage Charity Foundation Auto Raffle winner Michael Williams of Round Rock, Texas, was presented with his new 2014 Honda Civic LX by (l-r) Howdy Honda Customer
Relations Director Jesse Lofgreen, Howdy Honda General Sales Manager T.J. Nissen and Charity Foundation Chairman May Lofgreen.
As a generous corporate partner, United Heritage Charity Foundation helps
The Arc of the Capital Area ensure that citizens with disabilities in the
greater Austin community have the services and programs they need to
achieve lives of joy and dignity. Their commitment helps give a voice to those
in our community who oftentimes cannot speak for themselves. On
behalf of the children, adults, and families/caregivers we serve, we extend
our heartfelt thanks to the Foundation for its ongoing support.
L
iz Wilson, Development and Special Events Coordinator,
The Arc of the Capital Area
UHCU 14
Organizations supported in 2014:
UNITED HERITAGE CHARITY FOUNDATION
AGE of Central Texas
Alzheimer’s Association
American Legion
The United Heritage Charity
Foundation posted a banner year
in 2014. Organized in 2003
by United Heritage Credit Union
volunteers and staff, the United
Heritage Charity Foundation is a
self-funding, independent non-profit
organization, devoted to supporting
the local communities we serve.
In 2014 the Charity Foundation
conducted fundraising activities
ranging from candy sales to the
fourth annual auto raffle. Once
again the most successful
fundraiser of the year, the raffle
awarded a 2014 Honda Civic LX
Sedan, donated by Howdy Honda,
to Michael Williams of Round Rock
and resulted in $53,796 raised for
deserving charities. The Charity
Foundation contributed $62,345
to local charities in 2014,
bringing the charitable total
contributed to $1,242,614 since
the Foundation’s formation.
The Charity Foundation awarded
the two 2014 $5,000 United
Heritage Community Scholarships
to
Jocelyn
Chambers
and
Neha Mulpuri, who were selected
based on their community
service, character and leadership
qualities, scholastic achievement,
extracurricular activities, essay
and letters of recommendation.
On behalf of the seven members
of the United Heritage Charity
Foundation Board of Managers,
I express appreciation to all who
support the Charity Foundation’s
efforts. I also applaud Team United
Heritage for their commendable
and inspiring achievements.
We will continue our valuable
mission of serving deserving
charities in our local communities,
and hope others will consider
supporting those worthwhile efforts.
Visit uhcf.org for more details.
ARC of the Capital Area
Austin Empty Bowl Project
Big Brothers Big Sisters
Boot Campaign
Breast Cancer Resource Center of
Central Texas
CASA of Austin
Children’s Medical Center Foundation
of Central Texas
Children’s Advocacy of Smith County
Children’s Miracle Network
Comfort Crew for Military Kids
Cornerstone Credit Union Foundation
Habitat For Humanity
Hays-Caldwell Women’s Center
Hospice Austin
Junior Achievement
Literacy Coalition
Neighborhood Longhorns Program
Partners In Hope
Texas College Scholarship
MAY LOFGREEN, CHAIR
UHCU
ANNUAL REPORT 2014
15
LOCATIONS
GEORGETOWN
12 Waters Edge Cir Georgetown 78626
CEDAR PARK
1801 E Whitestone Blvd (FM 1431) Cedar Park 78613
ROUND ROCK
301 Mays Crossing Dr Round Rock 78664
NORTH AUSTIN
12208 N Mopac Expy Austin 78758
RIVER PLACE
10815 Ranch Rd 2222 Austin 78730
LAKEWAY
3317 S Ranch Rd 620 Austin 78738
WESTLAKE
2009 S Capital of Texas Hwy Austin 78746
SOUTHEAST AUSTIN
3 Drive-thru Lanes at Austin Federal Credit Union
1900 Woodward St Austin 78741
SOUTH AUSTIN
6400 Manchaca Rd Austin 78745
SOUTHWEST AUSTIN
5011 W Slaughter Ln Austin 78749
KYLE
5029 Kyle Center Dr (S FM 1626) Kyle 78640
TYLER
522 S Broadway Ave Tyler 75702
United Heritage members have access to a nationwide network of
over 5000 shared branches. For information visit uhcu.org/locations.
512.435.4545
903.597.7484
800.531.2328
Federally Insured by NCUA
Equal Housing Opportunity
NMLS#630601
UHCU.ORG