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Heart O' Texas Federal Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
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Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
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Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
hotfcu.org
254-751-1622
7500 Imperial Drive
Waco, TX 76712

Heart O' Texas Federal Credit Union is headquartered in Waco and is the 185th largest credit union in the state of Texas. It is also the 2,339th largest credit union in the nation. It was established in 1956 and as of March of 2025, it had grown to 19 employees and 5,728 members at 3 locations. Heart O' Texas Federal Credit Union has a C+ health rating.

Field of Membership Restrictions

Heart O' Texas Federal Credit Union offers membership to those who worship, work, attend school or live in the Texas counties of Bell, Coryell or McLennan. All civilian, and military personnel of the United States Government and active reserve units living or working in the Texas counties of Bell, Bosque, Coryell, Hill, Limestone ,or McLennan also qualify for membership.
See current membership details

Reviews

No reviews have been left for this bank yet. Be the first to review.



Health
C+

Data as of Q1 2025

Learn why bank health matters
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Heart O' Texas Federal Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #11032
Year Chartered1956
Employees19
Primary Regulator
Profit Margin
Return on Assets - YTD-0.42%
Return on Equity - YTD-6.11%
Annual Interest Income$686K
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$56.3MM$63.3MM
LoansQ1 2025vs Q1 2024$43.5MM$52MM
DepositsQ1 2025vs Q1 2024$51.9MM$58.9MM
Equity CapitalQ1 2025vs Q1 2024$3.9MM$4.2MM
Loan Loss AllowanceQ1 2025vs Q1 2024$262K$213K
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$174K$178K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates

Rates for Heart O' Texas Federal Credit Union are currently being reviewed.

Locations


Heart O' Texas Federal Credit Union Locations
Branch Office7500 Imperial DriveWaco, TX 76712
Branch Office7412 Maehr RdWaco, TX 76705-1647
Branch Office1612 S Fort Hood StKilleen, TX 76542-1672

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