Last Updated: 04/18/2025
United Heritage Credit Union Student Savings Account
Unaffiliated
Last Updated: 04/18/2025
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Highlights
APY (Annual Percentage Yield)
0.25%(Verified 06/21/2024)
Minimum Opening Deposit
$1
Minimum Balance to Earn APY
$0
United Heritage Credit Union Student Savings Account Review
United Heritage Credit Union Student Savings Account is offered by United Heritage Credit Union, a credit union founded in 1957 and based in Austin, TX. United Heritage Credit Union Student Savings Account are available in 50 states, 5 US territories, and Washington, DC.
Key Takeaways
- Higher than average APY. United Heritage Credit Union Student Savings Account has an annual percentage yield of up to 0.25%, which is higher than the average interest rate for savings accounts.
- No monthly maintenance fees. This account does not charge any monthly account fees.
- Small minimum initial deposit. You only need $1.00 to open an account.
United Heritage Credit Union Student Savings Account Pros & Cons
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United Heritage Credit Union Student 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 Student Savings Account doesn't offer a signup bonus.
What is the minimum initial deposit for United Heritage Credit Union Student Savings Account?
The minimum deposit to open a United Heritage Credit Union Student Savings Account is $1.00.| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Average Balance to Avoid Monthly Service Fee | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Balance to Earn APY | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | $1.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Required Balance | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What APY does United Heritage Credit Union Student Savings Account offer?
United Heritage Credit Union Student Savings Account offers an APY of 0.25% (APY stands for annual percentage yield, rates may change).
The interest rate on a savings account or checking account can change based, in part, on what the Federal Reserve does. Note that the APY of a savings account is the amount of interest you will earn if you keep your money in the account for a full year expressed as a percentage. The difference between an APY and an interest rate is that the APY takes into account how often your money earns interest (or compounds). The more often your money compounds, the more it will earn. Savings accounts with an interest rate that compounds daily, for example, will earn a higher return (and therefore a higher APY) than savings accounts that compound annually. What fees does United Heritage Credit Union Student Savings Account charge?
United Heritage Credit Union Student 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 Student Savings Account charges $4.00 every time you request a paper statement.
Does United Heritage Credit Union Student Savings Account charge overdraft fees?
Yes, United Heritage Credit Union Student Savings Account charges a $34.00 overdraft fee. United Heritage Credit Union Student 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 Student 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 Student 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 Student 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 Student Savings Account?
The customer support email for United Heritage Credit Union Student Savings Account is ask@uhcu.org.
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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
Other Services by United Heritage Credit Union
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Other Savings Accounts from United Heritage Credit Union
Rating not yet determined
APY (Annual Percentage Yield)
0.25%
Disclaimer popup with additional information
Minimum Opening Deposit
$5
Minimum Balance to Earn APY
$5
Rating not yet determined
APY (Annual Percentage Yield)
N/A
Minimum Opening Deposit
$100
Minimum Balance to Earn APY
$100
Rating not yet determined
APY (Annual Percentage Yield)
0.15% - 0.20%
Disclaimer popup with additional information
Minimum Opening Deposit
$1
Minimum Balance to Earn APY
$100
Rating not yet determined
APY (Annual Percentage Yield)
0.15% - 0.20%
Disclaimer popup with additional information
Minimum Opening Deposit
$1
Minimum Balance to Earn APY
$100
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