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United Heritage Credit Union Personal Loans Calculator & Overview

Carla Soto
Carla Soto
Updated 11 Aug 2023
Fact checked

United Heritage Credit Union logo

United Heritage Credit Union was founded in 1957 and is headquartered in Austin, Texas. It has accumulated over $1 billion in assets. They have a broad range of financial products such as loans and credit cards, mortgages and refinancing services, insurance, Certificate of Deposit (CDs), and individual retirement accounts (IRAs).

If you are experiencing financial difficulty, a personal loan can be a viable borrowing option to meet your needs. Considering a United Heritage Credit Union personal loan? Use the United Heritage Credit Union personal loans calculator to view potential monthly payments.

Personal loans have an annual percentage rate (APR) varying from around 3% to 36% APR. The interest rates you can receive will depend on a range of factors, such as your credit score, income, and debt-to-income ratio. On a loan of $10,000 over 5 years, the cost could vary between $10,781 and $21,680. The interest cost is between $781 and $11,680.

United Heritage Credit Union personal loans at a glance

United Heritage Credit Union doesn’t have specific information about key features and benefits of its unsecured personal loan product such as minimum and maximum loanable amounts, repayment terms, or interest rates.

However, like other credit unions that offer personal loans, United Heritage Credit Union will provide the best deals possible for qualified borrowers who will be evaluated based on their financial profile, credit history, and repayment terms.

You can call, email, or visit the nearest branch so you can also inquire about loan fees, borrower requirements, and other loan options that would help you determine if a United Heritage Credit Union personal loan is right for you.
 

Requirements for a United Heritage Credit Union personal loan

United Heritage Credit Union personal loans are available for members. If you want to join, there are many ways to qualify for membership:

  • You live, work, worship, or attend school in United Heritage Credit Union recognized counties
  • You are a family member of a United Heritage Credit Union member
  • You are a current or former employee of United Heritage Credit Union recognized establishments, businesses, or institutions

 
United Heritage Credit Union does not have a specific list of borrower criteria. However, most lenders expect loan applicants to submit documents related to the following requirements:

  • Proof of identity: This is to determine if you’re a United States citizen or permanent resident and if you’re at least 18 years of age. You’ll typically need to present two forms of identification, such as birth certificate, driver’s license, passport, or social security card.
  • Proof of your living situation: This is to determine if you are a permanent US citizen or resident. You can usually use one of the following: utility bill, proof of insurance on your home, lease/rental or vehicle, lease or rental agreement.
  • Proof of capacity to pay: Lenders need to be confident that you will repay the loan. If you are traditionally employed, submit a copy of your pay stubs, W-2s and 1099s, employer statement. If you are a business owner or a self-employed applicant, submit a copy of your tax returns, bank statements, or annuity statements.
  • Good credit score and DTI ratio: Lenders require applicants to meet a certain credit score threshold (beyond 700) and DTI ratio for approval (lower than 40%). However, these requirements aren’t set in stone.

 

United Heritage Credit Union personal loan calculator

Provider
Product Information
EST Monthly
Repayment
Interest
Rate
Repayment
Period
Loan
Amounts
Sort loans by

Loan Amount

$20,000

Term

3 months

Change
United Heritage Credit Union

United Heritage Credit Union personal loans

United Heritage Credit Union personal loans
Estimated Month Repayments
$837 Inclusive of fees
Interest Rate
28.90%
APR
Repayment Period
12 months
to 60 months
Loan Amounts
$1,000
to $20,000
Go to site
United Heritage Credit Union's personal loan options give you the freedom and flexibility you need to reach your goals. Whether you want extra money for debt consolidation, cash management or unplanned expenses, a UHCU personal loan is a simple, straightforward solution.
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Wells Fargo

Wells Fargo personal loans

Estimated Month Repayments
$606 Inclusive of fees
Interest Rate
5.74%
APR
Repayment Period
12 months
to 84 months
Loan Amounts
$3,000
to $10,000
Go to site
Checking and savings accounts and credit cards for your everyday business expenses and cash management.
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Eastman Credit Union

Eastman Credit Union personal loans (Shared Secured Personal Loan)

Estimated Month Repayments
$848 Inclusive of fees
Interest Rate
29.90%
APR
Repayment Period
12 months
to 12 months
Loan Amounts
$1,000
to $20,000
Go to site
ECU offers extraordinary products & services that make life just a little easier.

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Minimum and maximum loan periods vary between 1 month and 10 years. Annual Percent Rates (APR) vary between 4.99% and 35.99% p.a. Total interest repayments vary between $592 and $916 over the life of the loan. *APR is based on an unsecured loan of $20,000 over a term of 3 years. WARNING: This APR is true only for the examples and may not include all charges. Different terms, fees or loan amounts might result in a different APR. These rates can change without further notice.

 

Pros and cons of United Heritage Credit Union personal loans

Pros

  • Deferred payment options
  • Online application available

 

Pros

  • No information regarding loan amounts or interest rates
  • No rate discounts on automatic payments
  • No debt protection plan
  • Borrower criteria undisclosed

Frequently asked questions

What can I use the United Heritage Credit Union personal loan for?

If you get approved for a United Heritage Credit Union personal loan, the money can help you pay for large purchases or emergency expenses. Use it for almost any way you want – whether to start a business, settle your taxes, improve your credit, or pay off higher-interest debt.

What are the minimum and maximum loan amounts for a United Heritage Credit Union personal loan?

United Heritage Credit Union did not reveal any information regarding its minimum and maximum loan amounts

Will my low credit score affect my loan application from United Heritage Credit Union?

Getting a personal loan is often difficult if you have low credit scores. But don’t let this stand in your way; build up and improve those numbers first before applying for a personal loan from United Heritage Credit Union.

What number do I need to call to ask about personal loans from United Heritage Credit Union?

You can call 512.435.4545 to find out more about United Heritage Credit Union personal loans.

How can I submit my application for a personal loan at United Heritage Credit Union?

Apply online, by phone, or visit any of United Heritage Credit Union branch locations.

Video: United Heritage Credit Union: Making Banking Personal Again

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Carla Soto
Carla Soto

Carla is a skilled copywriter at BestFind with a background in marketing and communications. She specializes in reviewing personal loan and finance products to help readers navigate the complex world of personal finance.

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