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Please remember to not provide any information to someone who calls you and requests personal information. If you're not comfortable with a call you receive claiming to be UHCU, hang up and call UHCU directly. 
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Personal Credit Cards

Choosing the right credit card is easier than ever. Whether you want to pay down balances faster, maximize cash back, earn rewards or begin building your credit history, we have the ideal card for you!

No matter which card your choose, you'll enjoy important features like:

  • Convenient and Flexible Purchasing Power. Accepted at millions of locations worldwide.
  • Mobile purchasing capability for added convenience.
  • Zero Fraud Liability.* You won't be liable for fraudulent purchases when your card is lost or stolen.
  • Cardmember Service available 24 hours a day/365 days per year.
  • Plus much more!

Woman holding credit card and laptop
Business Credit Cards

Business Credit Cards

Choose from our popular business credit card options such as low rate, cash back or flexible rewards to find the one that work best for your business.

No matter which card you choose, your business will benefit from important features like:

  • Free online expense reporting toolds.
  • No fee for additional employee cards.
  • Mobile payment capacity for added convenience.
  • Zero Fraud Liability.* You won't be liable for fraudulent puchases when your card is lost or stolen.
  • Cardmember Service available 24 hours da day/365 days per year.

Become a UHCU Member

Joining UHCU is fast, secure, and starts with just $1 in saving. Enjoy personal service and exclusive member benefits.

United Heritage maintains the highest compliance standards for new accounts by adhering to all applicable terms of the USA Patriot Act, Bank Secrecy Act and OFAC controls.

Open Your Membership Account
  • Deposit a minimum of $1 into a savings account
  • You're now officially a UHCU member!
Become A Member
What You'll Need to Apply

Apply for a Credit Card

Now that you're a member, you're eligible to take the next step - applying for a UHCU Credit Card. 

Enjoy convenient access, great rates, and the trusted service you expect, all at your fingertips.
Follow these steps in the UHCU mobile app:
The creditor and issuer of these cards is Elan Financial Services, pursuant to a license from Visa U.S.A. Inc.

The creditor and issuer of these cards is Elan Financial Services, pursuant to a license from Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

*Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardholder must notify Elan Financial Services
promptly of any unauthorized use. Certain conditions and limitations may apply.