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Heart O' Texas Federal Credit Union Waco, Texas - Youth Accounts
HOTFCU Stop by for Lunch - September 18m 2026
HOTFCU Stop by for Lunch September 18, 2026
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***FRAUD ALERT: Protect Your Information***

Scammers are targeting our members saying they are from the fraud department at Heart O’ Texas FCU. If you receive any call from us that asks for personal information, HANG UP immediately and contact us directly at the number on our website or on your monthly statement.

  • HOTFCU will never ask you to verify account numbers or transaction details over an unsolicited call.
  • HOTFCU will never send you an unrequested verification code to be entered into your phone.
  • HOTFCU will never ask you for a password if we call you.
  • NEVER give out your account information to anyone unless you initiated the call.

Stay alert and protect your personal information.

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

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4.55%

APR

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9.99%
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