HEART O' TEXAS FEDERAL CREDIT UNION

Welcome to Heart O' Texas, your trusted partner in financial well-being! Located at 1612 S Fort Hood St, Killeen, TX 76542, we have proudly served our community since 1956. With a commitment to delivering personalized banking solutions, we currently support over 5,752 members, ensuring they have access to the resources they need to thrive. At Heart O' Texas, we manage a robust total of $60,212,853 in assets and have provided more than 1,866 loans to our members, totaling $1,336,516 in deposits. Our net worth stands strong at $4,005,043, reflecting our solid foundation and dedication to our community's financial health. We believe in empowering our members with choices that fit their needs whether it's through checking accounts, auto loans, or credit cards with rewards. Under the leadership of CEO Phil Dysinger and Board President Barbara Sais-Chinn, our team of 24 employees works tirelessly to ensure that you receive friendly service and expert guidance every step of the way. While you can visit us at our branch location for all your banking needs, official correspondence should be directed to the same address: 1612 S Fort Hood St, Killeen, TX 76542-1672. We invite you to explore the range of services we offer at hotfcu.org. Whether you're looking for personal banking options or business solutions, our goal is to make your experience as smooth as possible. If you have any questions or need assistance, feel free to call us at 254-634-7722. Join us today and discover how Heart O' Texas can help you achieve your financial goals!

At Heart O' Texas, we believe that everyone deserves a chance to join our supportive community and enjoy the benefits of membership. Becoming a member is easy! If you live, work, or attend school in Bell County or the surrounding areas, you're already eligible to open an account with us. We welcome anyone who shares our values of cooperation and community spirit. By joining Heart O' Texas, you'll gain access to a wide range of financial services tailored to your needs, from checking accounts to auto loans and more. To get started on your journey with us, simply visit our website for detailed account opening information at this link. If you have any questions or need assistance, feel free to give us a call at (254) 634-7722. We're excited to welcome you into the Heart O' Texas family at our branch located at 1612 S Fort Hood St Killeen Tx 76542!

At Heart O' Texas, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. With a commitment to transparency and trust, we strive to provide a safe environment for your savings and loans. With a net worth of $4,005,043, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 665 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $10,866,855 in share certificates and $3,028,306 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $7,117,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $2,862,217 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. We support your financial goals with 1,055 used auto loans and a total of $48,884,858 in loans and leases, reflecting our capacity to assist you across various sectors. Our operational efficiency is evident as reflected by our $0 net income, which allows us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 24 full-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team. Net Shares (Funds available for lending and investments): $314,756. Total Share Accounts: 5,903, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Heart O' Texas is your trusted partner. Visit us at 1612 S Fort Hood St Killeen Tx 76542 or call 254-634-7722 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.