Featured Savings Rates
Featured Accounts

Heart O' Texas Federal Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
1.51%5-year CD60 Month Share Certificate
0.15%1-year CD12 Month Share Certificate
0.01%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 2,200th 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+
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
Employees26
Primary Regulator
Profit Margin
Return on Assets - YTD-0.13%
Return on Equity - YTD-1.84%
Annual Interest Income$412.00K
Assets and Liabilities
AssetsQ1 2017vs Q1 2016$57.6MM$55.7MM
LoansQ1 2017vs Q1 2016$26.4MM$26.7MM
DepositsQ1 2017vs Q1 2016$53.1MM$50.9MM
Equity CapitalQ1 2017vs Q1 2016$4.1MM$4.4MM
Loan Loss AllowanceQ1 2017vs Q1 2016$93.00K$59.00K
Unbacked Noncurrent LoansQ1 2017vs Q1 2016$46.00K$163.00K
Real Estate OwnedQ1 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.01%$200-Shares
0.01%$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
1.51%$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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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 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