Lobbies are now open!  CLICK HERE for the most recent updates related to our credit union and COVID-19
HOTFCU Waco Texas Auto Loans Drive Down Your Auto Loan Rate
Heart O' Texas Federal Credit Union - Mortgage Loans, Click to Apply
HOTFCU Waco Texas Now Offering Mobile Deposit
HOTFCU Waco Texas Auto Loans are FAST & EASY! Click to Apply Today!
If you have lost your job or been laid-off due to COVID-19, HOTFCU is here to help! Click to contact your loan officer today!
Designed for Heart O' Texas Federal Credit Union Members - You could save on your Auto/Home Insurance - Click to Find Out More!
Auto Loans
Your New Home Starts with Heart O' Texas Federal Credit Union
Mobile Deposit
Auto Loans
Affected by COVID-19?
Designed for HOTFCU Members

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!

rates graph chart icon

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

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Title Loans

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