HEART O' TEXAS FEDERAL CREDIT UNION

Welcome to Heart O' Texas, your trusted financial partner located at 7412 Maehr Rd, Waco, TX 76705. Established in 1956, we have proudly served our community for over six decades, helping our members achieve their financial dreams. With a robust membership of 5,752 and total assets reaching $60,212,853, we are committed to providing quality service and products tailored to meet your needs. While members can visit us at our branch address, official correspondence should be sent to 7412 Maehr Rd, Waco, TX 76705-1647. Our dedicated team of 24 employees, led by CEO Phil Dysinger and Board President Barbara Sais-Chinn, is here to assist you with all your banking needs. Whether you're interested in personal banking options like checking and savings accounts or need financing solutions such as auto loans or mortgages, we have you covered. At Heart O' Texas, we pride ourselves on our strong community impact. With total loans exceeding 1,866, we've helped countless members turn their aspirations into reality. Our commitment extends beyond numbers; it's about building lasting relationships with our members and ensuring their financial well-being. If you're looking for a credit union that prioritizes your needs and offers reliable services such as online banking and ATM access, look no further. Feel free to reach out to us at (254) 799-5923 or visit our website at hotfcu.org to learn more about what we offer. Together, let's build a brighter financial future!

At Heart O' Texas, we believe that everyone deserves access to financial services that truly support their needs. Becoming a member is as easy as reaching out and discovering if you qualify! To join our community, you simply need to meet a few friendly criteria, which often includes living or working in certain areas or being affiliated with specific groups. We welcome individuals from various backgrounds and look forward to helping you achieve your financial goals. If you're curious about whether you're eligible, feel free to visit our detailed eligibility page at for the most current information. Opening an account is a straightforward process just check out the steps on our account opening page at https://hotfcu.org/loans-2/ . Should you have any questions or need assistance, don't hesitate to give us a call at (254) 799-5923. We're here to help you every step of the way as you take this exciting step towards becoming part of the Heart O' Texas family!

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. We want you to feel confident in the strength of your credit union, knowing that we're dedicated to your financial well-being. 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 and stronger lending options to serve our members better. Our lending capacity is robust; we have $21,110 in used auto loans and $48,884,858 in total loans and leases available to support your financial goals across various sectors. Although our net income is currently $0, this reflects our commitment to providing value to our members rather than focusing solely on profit. We also take pride in having 24 full-time employees, ensuring our branches are always ready to serve you with a knowledgeable team. Our net shares (funds available for lending and investments) stand at $314,756, while our total share accounts reflect a strong member base with 5,903 accounts trusting us with their finances. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results. 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 7412 Maehr Rd Waco Tx 76705 or call 254-799-5923 to learn more about how we can help you achieve your financial goals.