WE ARE OPEN! LOBBIES REMAIN CLOSED, BUT OUR DRIVE-THRU LOCATIONS IN WACO AND KILLEEN ARE OPEN TO SERVE OUR MEMBERS.
BEWARE OF SCAMS
During these stressful times, unfortunately it is common for scammers to take advantage of people's fear and difficult circumstances. Please be on alert for suspicious emails and text messages. We will never call, email, or text to ask you to verify sensitive personal or account information.
Other forms of scams:
• Utilizing scare tactics to receive payments
• NCUA will not contact you to request personal information
• No one from a government agency will call you about a potential tax stimulus payment.
• Do not release any personal information over the phone or via email
• If you are skeptical on who is asking for information, perform a callback in order to verify the authenticity of the "company" asking for your information
OPEN CARRY OF HANDGUNS PROHIBITED
PURSUANT TO SECTION 30.07, PENAL CODE (TRESPASS BY LICENSE HOLDER WITH AN OPENLY CARRIED HANDGUN), A PERSON LICENSED UNDER SUBCHAPTER H, CHAPTER 411, GOVERNMENT CODE (HANDGUN LICENSING LAW), MAY NOT ENTER THIS PROPERTY WITH A HANDGUN THAT IS CARRIED OPENLY.
CONFORME A LA SECCIÓN 30.07 DEL CÓDIGO PENAL (TRASPASAR PORTANDO ARMAS DE FUEGO AL AIRE LIBRE CON LICENCIA) PERSONAS CON LICENCIA BAJO DEL SUB-CAPITULO H, CAPITULO 411, CODIGO DE GOBIERNO (LEY DE PROTAR ARMAS), NO DEBEN ENTRAR A ESTA PROPIEDAD PORTANDO UN ARMA DE FUEGO AL AIRE LIBRE.
ABOUT FRAUDULENT EMAILS AND PHONE CALLS:
The Heart O' Texas Federal Credit Union has received reports of fraudulent emails and phone calls that have the appearance of coming from the credit union itself.
- The individuals or emails claim to work for Heart O' Texas FCU and have on one occasion used the names of real HOTFCU employees. They try to trick you into revealing personal information, bank account information, and may even ask you to send them money. They may ask you to provide your username and password or other personal information (e.g. Social Security number, account number, PIN number, credit card number, mother's maiden name, or birthday). Even if they appear to be from a legitimate source, or contain an official-looking webpage, be careful. The Heart O' Texas FCU wants you to know that we will not ask for your personal and financial information via email and that we likely already have this information.
If you are unsure of the legitimacy of an email or phone call allegedly from HOTFCU, call our main number at 1-800-817-1622 as even emails can be derailed.
About communication from HEART O' TEXAS FCU:
- We will not ask for your personal and financial information via email.
- Our employees will always identify themselves by name. If it is not someone whose voice you recognize, hang up and call the credit union back..
Suspicious emails or phone calls: What to do
- If an email looks suspicious, do not click on links in the email or respond until you have verified the email is legitimate with the credit union.
- If a suspicious email claiming to be from HOTFCU asks you to call a phone number, do not do so until you have verified the number is a legitimate HOTFCU phone number.
- If a suspicious email asks you to fax information to a number, do not do so until you have verified the number is a legitimate HOTFCU fax number.
- Any unsolicited email or phone call from HOTFCU or other business asking for personal and financial information should be deemed suspicious.
Common phrases used in fraudulent emails or phone calls:
"Verify your account."
Again, the Heart O' Texas Federal Credit Union will not ask you to send passwords, login information or user names, Social Security numbers, or other personal information through email. If you receive an email message from someone asking you to update your credit card information, do not respond: This is a phishing scam. You may at times be asked for personal identifying information when you call the credit union so that we can be sure it is indeed you the member we are talking to.
"If you don't respond within 48 hours, your account will be closed."
These messages convey a sense of urgency and trick you into responding.
"Your account has been comprised."
Again, these messages convey urgency and trick you into responding.
“Respond to have your funds released.”
These scams claim that you have money waiting to be released and that you need to reply immediately with your personal and financial information.
"Verify your credit union deposit insurance coverage”
These fraudulent emails and phone calls trick individuals into revealing account information to ensure that their deposits are insured. To ensure your deposits are insured you should contact us or NCUA. Fraudulent email example:
Dear Your Name
Good Morning this is to notify you that we received instruction From Credit Union to go ahead and release the funds here at
We did the transfer on Monday, we have just received a stop order from your credit union. Please contact us so that we may transfer this money to you.
For further instruction on how to get your funds released to you, you are to Contact,
Email: email address
As soon as we get clarification from you the transfer will be effect without further delay.
Remember, don’t take the bait on these “phishing” scams!