Featured Savings Rates
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Heart O' Texas Federal Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
1.26%5-year CD60 Month Share Certificate
0.15%1-year CD12 Month Share Certificate
0.05%SavingsShares

Overview / Commentary
254-751-1622
7500 Imperial Drive
Waco, TX 76712

Heart O' Texas Federal Credit Union is headquartered in Waco and is the 171st largest credit union in the state of Texas. It is also the 2,193rd largest credit union in the nation. It was established in 1956 and as of September of 2016, it had grown to 29 employees and 6,296 members at 4 locations. Heart O' Texas Federal Credit Union has a B health rating.

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Health
B
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
Employees29
Primary Regulator
Profit Margin
Return on Assets - YTD-0.66%
Return on Equity - YTD-8.62%
Annual Interest Income$1.3MM
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$56.6MM$54.8MM
LoansQ3 2016vs Q3 2015$26.2MM$27.7MM
DepositsQ3 2016vs Q3 2015$51.8MM$49.7MM
Equity CapitalQ3 2016vs Q3 2015$4.3MM$4.7MM
Loan Loss AllowanceQ3 2016vs Q3 2015$88.00K$41.00K
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$192.00K$141.00K
Real Estate OwnedQ3 2016vs Q3 2015$149.00K$130.00K
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Heart O' Texas Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$200-Shares
0.05%$200-Escrow

Heart O' Texas Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%*$50k*-Safe Asset Management Account
OTHER TIERS: 0.01% Up to $2,500 | 0.05% $2,500 - $20k | 0.10% $20k - $50k
0.01%$750-Share Draft Account

Heart O' Texas Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.26%$1k-60 Month Share Certificate
1.01%$1k-48 Month Share Certificate
0.50%$1k-36 Month Share Certificate
0.35%$1k-24 Month Share Certificate
0.15%$1k-12 Month Share Certificate
0.05%$1k-6 Month Share Certificate

Heart O' Texas Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.26%$1k-60 Month IRA Certificate
1.01%$1k-48 Month IRA Certificate
0.50%$1k-36 Month IRA Certificate
0.35%$1k-24 Month IRA Certificate
0.15%$1k-12 Month IRA Certificate
0.05%$1k-6 Month IRA Certificate
Locations


Heart O' Texas Federal Credit Union Locations
Branch Office7500 Imperial DriveWaco, TX 76712
Branch Office7412 Maehr RdWaco, TX 76705-1647
Branch Office2410 E Business 190Copperas Cove, TX 76522-2556
Branch Office1612 S Fort Hood StKilleen, TX 76542-1672