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Keep Up With Your Credit
Information For FREE With

check your credit score with credit sense

• Credit Score
• Credit Report
• Credit Alerts
and money-saving offers!


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When In Doubt, Count on

Courtesy Pay

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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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Let us Help You Plan For Life...

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

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• Mortgage • Home Equity • Refinance • Land Loans

Home Sweet Loan


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 2.40% 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

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Are you using our mobile banking app?