Featured Savings Rates
Featured Accounts

Heart O' Texas Federal Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
1.26%5-year CD60 Month Share Certificate
0.01%SavingsShares
1.01%4-year CD48 Month Share Certificate

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

Heart O' Texas Federal Credit Union is headquartered in Waco and is the 175th largest credit union in the state of Texas. It is also the 2,211th largest credit union in the nation. It was established in 1956 and as of March of 2018, it had grown to 23 employees and 5,864 members at 4 locations. Heart O' Texas Federal Credit Union has a B health rating.

Reviews (2)

Great local credit union

Posted by: KiddoFour | Jan 21, 2018

I started banking here when I obtained my auto loan from them. I liked the customer service I received so I decided to open up a checking account. This isn't my primary bank, however I like to use them when I can so I can support a local business. Their rates are reasonable, and they pay interest on checking accounts unlike the majority of non-credit union financial institutions. The majority of the time I withdraw cash at the drive thru, however they do offer a debit card for added convenience that I use on occasion. My interacts are friendly and usually quick. All in all I enjoy banking here, and I'm happy to be contributing to an organization that benefits its members.

Community financial institution

Posted by: cherylfry | Jan 9, 2018

I have banked with this institution for a few years. I started out getting an auto loan through them since the apr was so low. Then I liked how they treated their customers so I opened up a checking account with them. I like knowing that my contribution to the business' bottom line is also helping me, since as a member I am also an 'owner' of sorts. They fees are really low and I like not having to pay someone to hold my money. I don't like that they are behind technology-wise, and sometimes transactions take some time to reflect on my account. I am good at keeping track of my balance so this doesn't really bother me. I like knowing that they are looking out for me and they know me well enough that they would tell me if something suspicious pops up on my account. I enjoy the hometown feel of the business.



Health
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
Employees23
Primary Regulator
Profit Margin
Return on Assets - YTD0.04%
Return on Equity - YTD0.59%
Annual Interest Income$438.00K
Assets and Liabilities
AssetsQ1 2018vs Q1 2017$57.1MM$57.6MM
LoansQ1 2018vs Q1 2017$27.7MM$26.4MM
DepositsQ1 2018vs Q1 2017$52.6MM$53.1MM
Equity CapitalQ1 2018vs Q1 2017$4.1MM$4.1MM
Loan Loss AllowanceQ1 2018vs Q1 2017$59.00K$93.00K
Unbacked Noncurrent LoansQ1 2018vs Q1 2017$104.00K$46.00K
Real Estate OwnedQ1 2018vs Q1 2017$0$75.00K
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
0.01%$200-Shares
0.01%$200-Escrow
0.01%$25-Junior Executive Savings Account

Heart O' Texas Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%*$50k*-Safe Asset Management Account
OTHER TIERS: 0.01% Up to $2,500 | 0.02% $2,500 - $20k | 0.03% $20k - $50k
0.01%$750-No Frills Checking
0.01%$750-HOT Line Checking
0.01%$750-GEM Checking

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
0.51%$1k-36 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
0.51%$1k-36 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

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