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• Mortgage Loans • Home Equity Loans • Refinance • Land Loans•

Home Sweet Loan

Dream it, own it!

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• 24/7 Account access
• Check your account balance
• View transaction activity
• Transfer funds

Mobile Banking is here!
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When In Doubt, Count on Courtesy Pay to Help You Out

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Let us Help You Plan For Life...

Apply for an Auto, Real Estate, or Personal Loan Today!


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


Whether you are shopping for a new car or other big ticket item, or just want the security of a line of credit, there is an HOTFCU loan that will meet your needs.

Car Loans

as low as

Personal Loans

as low as

Real Estate Loans

Call us today!

Loan Rates

Auto Loans   as low as 2.15% 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       .01% APY

Checking      .01% APY

Christmas Club   .05% APY

Junior Executive Savings  .01% APY

Safe Asset Management .01% - .10% APY

Certificates of Deposits & IRA(s)   .035% - 1.51% APY

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Are you using our mobile banking app?