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United Texas - Mobile
Free - On the App Store


United Texas - Mobile
Free - On the App Store

Home Equity Line of Credit

  • Access funds from your home equity
  • Lower interest rates than a personal loan or credit card
  • Terms up to 20 years
  • Borrow up to 80% of the appraised value
  • Only pay on what you borrow/advance

Construction Loans

  • Easy online application
  • Fast pre-approvals
  • Personal construction loan advisor
  • Competitive interest rates
  • Fast loan closing

Direct Deposit

  • Get paid up to two days early
  • Faster, more convenient access to your money
  • No more waiting in line on payday
  • Your paycheck cannot get lost in the mail
  • Eliminates possible check fraud

Liquid Asset

  • $2,500 minimum opening deposit
  • Unlimited deposits of new money in any amount
  • Transfers from other United Texas accounts allowed with an equal amount of new money deposited
  • Variable dividend rate that matches the Federal Funds rate on balances of $2,500 or more
  • Up to three free withdrawals per month


  • United Texas sponsors the showing fee for your home tour
  • You enjoy the convenience of local agents
  • No pushy sales tactics and no obligation
  • Only verified, licensed agents show the home to ensure a safe experience

Home Improvement Loan

  • Borrow at a fixed rate to increase the value of your home
  • Competitive interest rates
  • Terms up to 20 years
  • Convenient online application process
  • No prepayment penalties

Partnership Program

  • You can provide the benefit of financial wellness to your employees, enhancing your benefits offerings at no cost to your organization.
  • Our mission is to improve the financial well-being of our members and the communities we serve.
  • We are a not-for-profit, member-owned financial cooperative.
  • Since 1955, we've helped members achieve their goals and realize their dreams.
  • We return profits to members through financial education, higher deposit rates, lower loan rates and low or no service fees.

Spirit Rewards Checking

  • 1/2 % unlimited cash back on signature-based debit card transactions
  • No minimums or caps on rewards
  • Better cash back rates than other institutions
  • Cash back rewards paid yearly to the Boerne Education Foundation
  • Get paid up to two days early with Direct Deposit

Holiday Loans

  • No collateral required
  • Fixed rates as low as 10.49% APR
  • Terms up to 12 months
  • Borrow up to $5,000 for any financial need
  • Fast application turnaround

Credit Card Consolidation Loans

  • Complete our short application and see your pre-qualified credit card consolidation loan offers, with no impact on your credit.
  • Competitive variable rate based on the Prime Rate
  • Pay off your debt faster and save money with a lower rate
  • Enjoy the convenience of one payment towards your debt
  • Fast application turnaround