WE ARE OPEN! Lobbies remain closed. Drive-thru open.      l     CLICK HERE for the most recent updates related to our credit union and the COVID-19 pandemic.

Latest News

WE ARE OPEN! LOBBIES REMAIN CLOSED, BUT OUR DRIVE-THRU LOCATIONS IN WACO AND KILLEEN ARE OPEN TO SERVE YOU.

Update: 5/13/2020

Thank You Members! Heart O’ Texas appreciates your patience and cooperation as we find new methods to meet your financial needs during this pandemic. Your credit union is navigating a “new normal.” Our priority is to minimize the risk of spreading COVID-19 to members and employees.

We miss seeing you in our lobbies; however, for the safety and security of both members and employees, our lobbies will continue to be closed until further notice. If your financial business requires an in-person meeting, we will be taking appointments beginning Monday, May 18th. Please call your local branch to schedule an appointment. We continue to offer members expanded services through drive-thrus at each branch.

Thank you for your patience as we transition again based on the recommendations of health experts. Rest assured we will reopen lobbies once it is deemed safe to do so. Thank you for your trust and business.

Actualización semanal: 13 mayo 2020

¡Gracias miembros! Heart O 'Texas agradece su paciencia y cooperación mientras encontramos nuevos métodos para satisfacer sus necesidades financieras durante esta pandemia. Su cooperativa de crédito está navegando en una "nueva normalidad". Nuestra prioridad es minimizar el riesgo de propagar COVID-19 a los miembros y empleados.

Extrañamos verlos en nuestros lobbies; sin embargo, para la seguridad de los miembros y empleados, nuestros lobbies continuarán cerrados hasta nuevo aviso. Si su negocio financiero requiere alguien en persona, tomaremos citas a partir del lunes 18 de mayo. Llame a su oficinal local para programar una cita. Seguimos ofreciendo a los miembros servicios ampliados a través de drive-thrus en cada sucursal.

Gracias por su paciencia mientras hacemos la transición nuevamente de acuerdo con las recomendaciones de expertos en salud. Tenga la seguridad de que volveremos a abrir los vestíbulos una vez que se considere seguro hacerlo. Gracias por su confianza y negocio.

Update: 4/10/2020

Reminders:

1) If you currently have a loan with us and have lost your job or have been temporarily laid off due to the COVID-19 (coronavirus) pandemic, please contact your local loan officer for assistance. Options are available for you.

2) Waco and Killeen drive-thru locations continue to operate as full service. Lobbies remain closed.

3) L3 office remains closed until further notice

Our team is here and available to continue assisting with your financial needs. You can reach us over the phone or in person via our drive-thru. Business hours are listed below.

Waco and Killeen drive-thru services . . .

  • Deposits
  • Withdrawals
  • Transfer Funds
  • Account Balances
  • Account History
  • Loan Payments
  • Stop Payments
  • Official Bank Checks
  • Money Orders
  • Cash Advances
  • Debit Card New Orders/Replacements
  • Open a New Account
  • Apply for a loan
  • Change of Address/Update
  • Certificate of Deposits
  • Online Banking Assistance
  • Wires Transfers
  • Check Orders
  • Notary . . .and more!

Actualización semanal: 10 abril 2020

Recordatorios:

1) Si tiene un préstamo con nosotros y ha perdido su trabajo o ha sido despedido temporalmente debido a la pandemia de COVID-19, comuníquese con su oficial de préstamos local para obtener ayuda.

2) Las ubicaciones de drive-thru en Waco y Killeen continúan operando como servicio completo. Los lobbies permanecen cerrados hasta nuevo aviso.

3) La oficina de L3 permanece cerrada hasta nuevo aviso.

Nuestro equipo está disponible para ayudarlo con sus necesidades financieras durante estos tiempos difíciles. Estamos disponibles por teléfono o en persona a través de nuestro drive-thru.

  • Depósitos
  • Retiros
  • Transferencias
  • Pagos de préstamos
  • Cheques de caja
  • Giros postales
  • Adelanto en efectivo
  • Cambiar / Actualizar dirección
  • Órdenes de cheque
  • Servicios notariales. . . y más!

Update: 4/3/2020

Valued Members,

As we continue to closely monitor the developments regarding COVID-19, we wanted to communicate the most recent updates provided this week.

Gov. Abbott has extended executive orders for social distancing. As a result of this extension, McLennan, Bell, and Coryell County have also opt'd to extend their "Shelter in Place" orders. Please refer to your respective city's recommendations for specific dates.

What this means for our members?

We will continue to abide by the above orders handed down by our state, county, and city officials. Heart O' Texas FCU will continue to operate as full service via our drive-thru, and our lobbies will remain closed. During this time, our L3 branch will also remain closed.

Listed below are some of the services available during your drive-thru visit to our Waco or Killeen branch.

  • Deposits
  • Withdraws
  • Transfers
  • Loan Payments
  • Teller Checks
  • Money Orders
  • Cash Advance
  • Change/Update Address
  • Check Orders
  • Notary Services . . . and more!

We sincerely appreciate your understanding during these challenging times.

Aviso: 3 abril 2020

Estimados Miembros,

Seguimos monitoreando de cerca los desarrollos relacionados con COVID-19, queríamos comunicar las actualizaciones más recientes proporcionadas esta semana.

El gobernador Abbott ha extendido órdenes ejecutivas para el distanciamiento social. Como resultado de esta extensión, el condado de McLennan, Bell y Coryell también han optado por extender las órdenes de "Refugio en el lugar". Consulte las recomendaciones de su ciudad respectiva para fechas específicas.

¿Qué significa esto para nuestros miembros?

Continuaremos cumpliendo con las órdenes anteriores dictadas por nuestros funcionarios estatales, del condado y de la ciudad. Heart O' Texas FCU continuará operando como servicio completo a través de nuestro drive-thru, y nuestros lobbies permanecerán cerrados. Durante este tiempo, nuestra sucursal de L3 permanecerá cerrada.

Hemos listado algunos de los servicios disponibles durante su visita a una sucursal.

  • Depósitos
  • Retiros
  • Transferencias
  • Pagos de préstamos
  • Cheques de caja
  • Giros postales
  • Adelanto en efectivo
  • Cambiar / Actualizar dirección
  • Órdenes de cheques
  • Servicios notariales. . . ¡y más!

Agradecemos sinceramente su comprensión durante estos tiempos difíciles.

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.

Helpful tips:

     • 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

COVID-19 Alert - L3 Temporary Closure Spanish

Update: 3/18/2020

2020 ANNUAL MEETING POSTPONED
COVID-19 Alert 2020
COVID-19 Alert Spanish 2020

Update: 3/13/2020

A message from HOTFCU 2020
A message from HOTFCU - Spanish 2020

 


No Guns Allowed Symbol

 

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

BANK
Address
Washington D.C

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,

Mr. Name
Tel: Number
Fax: Number
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!

Need a loan? Apply Today!

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