Construction Loans

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

HomeTraq

• 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
• Low, fixed rates
• Terms up to 12 months
• Borrow up to $2,500 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

Overdraft Coverage Options

• Less expensive alternative to payday lending
• Consumer checking accounts have $750 of coverage and business checking accounts have $1,000 for up to two accounts
• You have 32 days to bring your account back to a positive status
• Avoid fees from merchants for returned items