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Last Updated: 04/18/2025

United Heritage Credit Union Independence Savings Account

from United Heritage Credit Union

Last Updated: 04/18/2025

United Heritage Credit Union logo
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APY (Annual Percentage Yield)

N/A


Minimum Opening Deposit

$100

Minimum Balance to Earn APY

$100

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United Heritage Credit Union Independence Savings Account Review

United Heritage Credit Union Independence Savings Account is offered by United Heritage Credit Union, a credit union founded in 1957 and based in Austin, TX. United Heritage Credit Union Independence Savings Account are available in 50 states, 5 US territories, and Washington, DC.

Key Takeaways

  • No monthly maintenance fees. This account does not charge any monthly account fees.
  • $100.00 minimum opening deposit. This is a typical minimum initial deposit.

United Heritage Credit Union Independence Savings Account Pros & Cons

United Heritage Credit Union Independence Savings Account FAQ

Are savings accounts from United Heritage Credit Union federally insured?

Yes, your savings accounts are insured up to $250,000 per share owner for each account ownership category. The National Credit Union Administration (NCUA), a federal agency, administers the insurance fund and regulates federally insured credit unions. The fund is backed by the full faith and credit of the U.S. Government.

Does United Heritage Credit Union offer a signup bonus?

United Heritage Credit Union Independence Savings Account doesn't offer a signup bonus.

What is the minimum initial deposit for United Heritage Credit Union Independence Savings Account?

The minimum deposit to open a United Heritage Credit Union Independence Savings Account is $100.00.

What APY does United Heritage Credit Union Independence Savings Account offer?

United Heritage Credit Union Independence Savings Account is not an interest-bearing account.

What fees does United Heritage Credit Union Independence Savings Account charge?

United Heritage Credit Union Independence Savings Account does not charge a monthly service fee. See the fee breakdown section below to view all fees.
  • Outgoing domestic bank transfers come with a $20.00 fee.
  • Incoming domestic bank transfers come with a $4.00 fee.
  • Incoming international bank transfers come with a $4.00 fee.
  • An overdraft on your account will trigger a $34.00 fee per item.
  • United Heritage Credit Union Independence Savings Account charges $4.00 every time you request a paper statement.

Does United Heritage Credit Union Independence Savings Account charge overdraft fees?

Yes, United Heritage Credit Union Independence Savings Account charges a $34.00 overdraft fee.
United Heritage Credit Union Independence Savings Account offers overdraft protection at a cost of $5.00 per transaction. This overdraft protection fee is charged every time the bank arranges a transfer from another one of your accounts, typically a savings account, to cover the overdraft.

What features and perks does United Heritage Credit Union Independence Savings Account offer?

This savings account includes the following features:
  • Free Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
  • Mobile Banking Services - United Heritage Credit Union Independence Savings Account allows you to manage your money online or with a mobile app.
  • Nationwide ATM network - Conveniently transact at a nearby ATM.

Can you set up a direct deposit to United Heritage Credit Union Independence Savings Account?

Yes, you can typically set up a direct deposit to this account. However, it depends on the direct deposit program your employer uses. Most direct deposit programs allow you to send your paycheck to a savings or checking account. In some cases, you can even split your paycheck between the two.

What is the customer support email for United Heritage Credit Union Independence Savings Account?

The customer support email for United Heritage Credit Union Independence Savings Account is ask@uhcu.org.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Headquarters

12208 N Mopac Expy
Austin, TX 78758
(512) 435-4545
Visit Site

Hours of Operation

Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
9:00AM - 2:00PM

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APY (Annual Percentage Yield)

0.25%
Disclaimer popup with additional information

Minimum Opening Deposit

$5

Minimum Balance to Earn APY

$5
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United Heritage Credit Union logo

APY (Annual Percentage Yield)

0.15% - 0.20%
Disclaimer popup with additional information

Minimum Opening Deposit

$1

Minimum Balance to Earn APY

$100

United Heritage Credit Union logo

APY (Annual Percentage Yield)

0.15% - 0.20%
Disclaimer popup with additional information

Minimum Opening Deposit

$1

Minimum Balance to Earn APY

$100

United Heritage Credit Union logo

APY (Annual Percentage Yield)

0.25%
Disclaimer popup with additional information

Minimum Opening Deposit

$1

Minimum Balance to Earn APY

$0

SuperMoney Net Recommendation Score

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0

-1000+100
No one recommends
Everyone recommends
The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.

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