Heart O' Texas Federal Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
1.51%	5-year CD	60 Month Share Certificate 2.35% - Synchrony Bank 60 Month CD
0.15%	1-year CD	12 Month Share Certificate 1.40% - Synchrony Bank 12 Month CD
0.01%	Savings	Shares 1.20% - Goldman Sachs Bank USA Online Savings

View all Heart O' Texas Federal Credit Union rates »

Overview / Commentary

www.hotfcu.org

254-751-1622

7500 Imperial Drive
Waco, TX 76712

Heart O' Texas Federal Credit Union is headquartered in Waco and is the 171^st largest credit union in the state of Texas. It is also the 2,200^th largest credit union in the nation. It was established in 1956 and as of March of 2017, it had grown to 26 employees and 6,168 members at 4 locations. Heart O' Texas Federal Credit Union has a B+ health rating.

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Health

B+

Data as of Q1 2017

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 Chartered	1956
Employees	26
Primary Regulator

Profit Margin
Return on Assets - YTD	-0.13%
Return on Equity - YTD	-1.84%
Annual Interest Income	$412.00K

Assets and Liabilities
Assets	Q1 2017vs Q1 2016	$57.6MM$55.7MM
Loans	Q1 2017vs Q1 2016	$26.4MM$26.7MM
Deposits	Q1 2017vs Q1 2016	$53.1MM$50.9MM
Equity Capital	Q1 2017vs Q1 2016	$4.1MM$4.4MM
Loan Loss Allowance	Q1 2017vs Q1 2016	$93.00K$59.00K
Unbacked Noncurrent Loans	Q1 2017vs Q1 2016	$46.00K$163.00K
Real Estate Owned	Q1 2017vs Q1 2016	$75.00K$85.00K

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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.01%	$200	-	Shares
0.01%	$200	-	Escrow

Heart O' Texas Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME
1.51%	$1k	-	60 Month Share Certificate
1.32%	$1k	-	48 Month Share Certificate
1.01%	$1k	-	36 Month Share Certificate
0.50%	$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

APY	MIN	MAX	ACCOUNT NAME
1.51%	$1k	-	60 Month IRA Certificate
1.32%	$1k	-	48 Month IRA Certificate
1.01%	$1k	-	36 Month IRA Certificate
0.50%	$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 Office	7500 Imperial Drive	Waco, TX 76712
Branch Office	7412 Maehr Rd	Waco, TX 76705-1647
Branch Office	2410 E Business 190	Copperas Cove, TX 76522-2556
Branch Office	1612 S Fort Hood St	Killeen, TX 76542-1672