The Killeen branch will have temporary hours  January 19th - January 22nd from 9:00am - 5:30pm. Saturday 9:00am- 12:00. | Waco & Killeen lobbies are currently closed. Full service is available through the drive-thru. | The Cove ATM has been vandalized and is currently down. The incident is under investigation. We apologize for this inconvenience. |CLICK HERE for the most recent updates related to our credit union and the COVID-19 pandemic.

About Us

Heart O' Texas Federal Credit Union has been proudly serving its members since 1956.  With 4 convenient Central Texas locations, we are dedicated to building life-long relationships with our members and within our communities, while determined to provide responsive and superior financial services.

  • ATM Card / Debit Card
  • Account Information Line, 24 Hours
  • Bank and Western Union Wires
  • Bill Payer Service
  • Boat Loans
  • Checking Accounts
  • Direct Deposit
  • Financial Counseling
  • Home Improvement and Equity Loans
  • Home Mortgage Loans
  • IRA's
  • Loan Protection Insurance
  • Mastercard / Visa
  • Money Market Accounts
  • Money Orders
  • New and Used Auto Financing
  • New Car-Dealer Cost Figures
  • Notary Public Service
  • On-Line Banking
  • Overdraft Protection
  • Payroll Deduction
  • Personal Loans
  • Saturday Drive-Thru.
  • Savings Accounts
  • Share Certificates
  • Student Loans
  • Used Car Valuation Guides
  • Travelers Checks

Need a loan? Apply Today!

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