Welcome to Heart O' Texas, a trusted financial institution established in 1956 and dedicated to serving our community, including military members and their families. Under the leadership of CEO Phil Dysinger and Board President Barbara Sais-Chinn, we strive to empower our members through comprehensive financial solutions tailored to meet their unique needs. Our headquarters, located in Waco, TX, reflects our commitment to being a reliable partner in your financial journey.

As a member-owned credit union insured by NCUA since January 4, 1971, we prioritize the security and peace of mind of our members. We offer modern banking tools such as online banking, a user-friendly mobile application, person-to-person transfer capabilities, e-statements for easy account management, and more. Although mobile payments are not available at this time and electronic signature authorization is not offered, we are committed to enhancing accessibility and convenience in all aspects of your banking experience. For more information about our services or to get in touch with us directly, please visit our official website at https://hotfcu.org/ or reach out via fax at 2547511141. At Heart O' Texas, we embrace a member-first approach that fosters trust and community engagement while providing the financial empowerment you deserve.

Heart O' Texas Credit Union is dedicated to providing a comprehensive suite of financial services tailored to meet the diverse needs of its members. From personal banking solutions such as checking and savings accounts to more specialized offerings like auto loans, mortgage refinancing, and business banking services, Heart O' Texas is committed to helping members navigate their financial journeys. The convenience of online banking and a user-friendly mobile application ensures that you can manage your finances anytime, anywhere. With features such as person-to-person transfers and e-statements, everyday banking becomes seamless, allowing you to focus on what truly matters—planning for life milestones or growing your small business.

Accessibility to membership is designed to be straightforward; interested individuals can find detailed eligibility information through our dedicated page. At Heart O' Texas, we recognize the importance of making informed decisions regarding loans and financing options. That's why we encourage members to explore competitive rates and loan comparisons via our loan aggregator tools. Our team is here to support you every step of the way; feel free to reach out at (254) 751-1141 for personalized assistance. Whether you're looking to establish a solid financial foundation or seeking innovative ways to enhance your financial health, Heart O' Texas Credit Union is here to empower you with the right tools and resources.

Heart O' Texas Credit Union stands as a beacon of trust and reliability in the financial landscape, proudly serving a community with a total membership of 5,752. Established in 1956, this credit union has fostered deep connections and offered invaluable financial services to its members. With total assets amounting to 60,212,853, Heart O' Texas demonstrates robust financial health and stability, ensuring that member deposits are safeguarded and effectively managed.

The credit union's commitment to its members is evident in its impressive net worth of 4,005,043, reflecting a solid foundation that supports various lending initiatives. In an era where transparency is paramount, Heart O' Texas showcases a commendable net worth ratio of 665, highlighting its strong capitalization and prudent management practices. This strength translates into tangible benefits for members, who can take advantage of competitive loan offerings, including an auto loan volume that reaches 2,110.

In addition to auto financing, Heart O' Texas provides a broad spectrum of services designed to meet diverse financial needs. With a dedicated team of 24 employees, the credit union ensures personalized service and expert guidance across all banking operations. The total loans and leases number at 1,866, demonstrating the credit union's active role in promoting financial well-being through accessible borrowing options.

Moreover, with total deposits recorded at 1,336,516, Heart O' Texas fosters an environment where members can confidently save their money while benefiting from attractive interest rates. The credit card loan volume stands at 235, showcasing additional avenues for members to manage their finances effectively.

Performance insights and financial data from the National Credit Union Administration (NCUA) at: https://www.ncua.gov further solidify Heart O' Texas Credit Union's position as a trusted partner in your financial journey. For those seeking the best loan options tailored to their needs, compare real-time offers today at https://www.lendmesh.com/loans/vehicle_loans and discover how Heart O' Texas can help you achieve your financial goals with confidence.