HOTFCU Waco Texas Home Loans
HOTFCU Waco Texas Auto Loans
HOTFCU Waco & Killeen Low Interest Personal Loans
HOTFCU Sallie Mae Student Loans
Home Loans
Auto Loans
Personal Loans
Sallie Mae Student Loans

Who can become a member of Heart O' Texas FCU?

If you, your spouse or a family member live, work, worship, or attend school in the following counties:

  • McLennan
  • Bell
  • Coryell

Civilian, military personnel of the United States Government, and active reserve units living or working in:

  • Hill
  • Bell
  • Bosque
  • Coryell
  • Limestone
  • McLennan


We have the loan to meet your financial needs.

Auto Loans

as low as


Personal Loans

as low as

Real Estate Loans

Call us today!

Loan Rates

Auto Loans as low as 2.75% APR

Personal Loan as low as 7.99% APR

Home Equity Loan - Call us today!

Home Re-Fi - Call us today!

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Savings Rates

Savings          .55% - 1.51% APY

Checking          .01% APY

Christmas Club          .01% APY

Junior Executive Savings          .01% APY

Safe Asset Management          .01% - .05% APY

Certificates of Deposits          .55% - 1.51% APY

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Title Loans

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