HEART O' TEXAS FEDERAL CREDIT UNION

Welcome to Heart O' Texas, your trusted financial partner located at 7500 Imperial Drive, Waco, TX 76712. Established in 1956, we have proudly served our community for over six decades, fostering a spirit of cooperation and dedication to our members. With a total membership of 5,752 and assets exceeding $60 million, we are committed to providing personalized financial solutions tailored to your needs. At Heart O' Texas, we understand the importance of financial security and strive to create opportunities for our members through various services. From auto loans and mortgages to personal banking and business financing, we've got you covered. With total deposits amounting to $1,336,516 and a net worth of $4,005,043, you can trust that your finances are in good hands. Our experienced team, led by CEO Phil Dysinger and Board President Barbara Sais-Chinn, is dedicated to ensuring that every member receives exceptional service. Whether you're looking to open an account or need assistance with a loan, we're here for you. While members can visit us at our branch location, official correspondence should be sent to our mailing address: P.O. Box 11, Waco, TX 76703-0011. If you have any questions or want to learn more about how we can help you achieve your financial goals, don't hesitate to reach out! Call us at (254) 751-1622 or visit our website at hotfcu.org. Join us today and experience the Heart O' Texas difference where your financial well-being is our priority!

Welcome to Heart O' Texas, a credit union that has been a cornerstone of the Waco community since its opening in 1956. Nestled at 7500 Imperial Drive, Waco, TX 76712, we have grown alongside our members, evolving to meet their financial needs while maintaining a strong commitment to our community. From humble beginnings, Heart O' Texas has blossomed into a trusted financial institution with over 5,752 members and total assets exceeding $60 million. Our mission is clear: to provide exceptional financial services while fostering a spirit of support and cooperation within our community. We believe that when our members succeed, we all succeed. Our branch operates Monday through Thursday from 9:00 AM to 5:00 PM and Friday until 5:30 PM, making it easy for you to visit us during convenient hours. We are proud to offer drive-thru banking and ATM services for added accessibility. While members can visit us at our main office, official correspondence should be sent to P.O. Box 11, Waco, TX 76703-0011 if needed. At Heart O' Texas, we emphasize not just the numbers but also the relationships we build. Our focus on personal banking includes checking and savings accounts, auto loans, mortgages, and credit cards with rewards. We also cater to businesses with merchant services and loans tailored for growth. We understand the importance of adapting to modern needs; that's why we have invested in online and mobile banking options. This enables our members to manage their finances anytime and anywhere with ease. Community outreach is at the heart of what we do. We actively engage in local partnerships and initiatives that uplift those around us, demonstrating our commitment to service beyond mere transactions. As you consider joining Heart O' Texas, know that you're becoming part of a family that cares deeply about your financial well-being and community prosperity. Experience the benefits of membership today by visiting us or reaching out at 254-751-1622. Together, let's build a brighter future for everyone in Waco!

Becoming a member of Heart O' Texas is like joining a family that truly cares about your financial well-being. If you live, work, or worship in the Waco area, you're already on the right track to enjoying all the benefits we offer. We welcome individuals who are looking for a supportive community focused on helping you achieve your financial goals. For more specific details about eligibility, feel free to visit our website at . Opening an account with us is straightforward and designed to make you feel at home. You can start the process online by checking out this link: https://hotfcu.org/loans-2/ . If you have any questions or need assistance, don't hesitate to call us at (254) 751-1622. Our friendly team is here to help you every step of the way as you embark on this exciting journey with Heart O' Texas, located conveniently at 7500 Imperial Drive Waco Tx 76712.

In today's fast-paced world, convenience and security are key when it comes to managing your finances. At Heart O' Texas, we understand that our members want easy access to their accounts anytime, anywhere. That's why we offer a comprehensive range of digital and online banking services designed to make your banking experience smooth and secure. With our 24/7 online banking services, you can manage your accounts at your convenience through our website at https://hotfcu.org/ . Whether you need to check your balance, transfer funds, or pay bills, everything is just a few clicks away. We also provide the option for e-statements, allowing you to receive your account statements electronically helping you stay organized while reducing paper waste. Our mobile application makes banking even easier. You can download it today to take advantage of real-time account management right from your phone. Plus, if you ever need to send money quickly, our person-to-person transfer feature allows you to do just that with ease. While we currently do not offer mobile payments or electronic signature authorization, rest assured that all transactions through our platform are secure and user-friendly. Your financial safety is our top priority. At Heart O' Texas, we are committed to providing you with accessible and reliable digital banking solutions that fit seamlessly into your lifestyle. Join us in embracing the future of banking!

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 pride ourselves on our strong financial foundation, which allows us to serve you with confidence and reliability. 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. Our lending capacity is significant; we have $1,055 in used auto loans and $48,884,858 in total loans and leases, supporting members' financial goals across various sectors. Our $0 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 24 full-time employees and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Net Shares (Funds available for lending and investments): $314,756. Total Share and Deposit 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 7500 Imperial Drive Waco Tx 76712 or call (254) 751-1622 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.