Lobbies are now open!  CLICK HERE for the most recent updates related to our credit union and COVID-19

HOTFCU Waco Texas Auto Loans .73% APR
HOTFCU Waco Texas  Holiday Closure Notice
HOTFCU Sallie Mae Student Loans
HOTFCU Waco & Killeen Texas Low Interest Holiday Loans
HOTFCU Waco & Killeen Tell Your Car Payment to Hit The Road Auto Loans
HOTFCU Waco Texas Visa Rewards & Secured Credit Cards - Learn More!
HOTFCU Waco Texas Skip-A-Pay Extra Cash for the Holidays
Auto Loans
Holiday Closure Notice
Sallie Mae Student Loans
Holiday Loans
Hit The Road - Auto Loans
Visa Rewards & Secured Credit Cards

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 1.80% 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   .01% APY

Junior Executive Savings  .01% APY

Safe Asset Management .01% - .05% APY

Certificates of Deposits & IRA(s)   .51% - 1.26% APY

Take our poll:

Title Loans

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