Our branches will be closed Monday, October 12th in observance of Columbus Day. | LOBBIES NOW OPEN!!! |   CLICK HERE for the most recent updates related to our credit union and the COVID-19 pandemic.
Please Note: Our members have been receiving calls from someone stating they are with Heart O’ Texas fraud department” or “Heart O’ Texas Federal Credit Union or Bank” asking them to withdraw a large amount of money and have it put on a game card, or Visa/Mastercard. At times fraudsters are asking our members for full social security number, and DOB, previous addresses or old vehicles owned in the past or act as though they already have their information. They are also being tracked when on the phone. We will NEVER call and ask you to withdraw money from your account and place it on a game card, gift card, pre-paid debit card or any other type of card.

Rates

Rates Effective: 01/13/2020

Annual Percentage Yield (APY)
Annual Percentage Rate (APR)

Share Savings and Escrow Accounts

Minimum to Open Minimum to Earn Dividends Rate Annual Percentage Yield
$25 $200 .01% .01%

* Other fees and restrictions may apply to share savings and escrow accounts. See Terms and Conditions & Fee Schedule for further details. Dividends compounded quarterly.

Junior Executive Savings Account

Minimum to Open Minimum to Earn Dividends Rate Annual Percentage Yield
$5 $25 .01% .01%

* Other fees and restrictions may apply to Junior Executive Savings Account. See Jr. Executive brochure & Fee Schedule for further details. Dividends compounded quarterly.

Safe Asset Management Account (SAM)

Minimum to Open Minimum to Earn Dividends Rate Annual Percentage Yield
$2,500 $0-2,499.99 .01% .01%
$2,500-$19,999.99 .02% .02%
$20,000-$49,999.99 .03% .03%
$50,000+ .05% .05%

* Other fees and restrictions may apply to SAM accounts. See Terms and Conditions & Fee Schedule for further details. Dividends paid monthly.

Share Certificates of Deposit

Term Minimum to Open Min. to Earn Dividends
Rate APY
6 months* $1,000 $1,000 .55% .551%
12 months* $1,000 $1,000 .75% .752%
24 months* $1,000 $1,000 .75% .752%
36 months* $1,000 $1,000 .50% .51%
48 months* $1,000 $1,000 1.00% 1.01%
60 months* $1,000 $1,000 1.25% 1.26%

*  Early withdrawal penalties may apply. Terms of 365 days or less may result in a 90 day loss of dividends earned or not if withdrawn before maturity. Terms of 366 days or greater may result in a 180 day loss of dividends earned or not if withdrawn before maturity.  Other fees and restrictions may apply to share certificate. See Terms and Conditions & Fee Schedule for further details. Dividends compounded quarterly.

Share Draft/Checking Accounts

Name of Account Minimum to Open Min. to Earn Dividends
Monthly Service Charge
Rate APY
Basic $25.00 $750 $0.00 .01% .01%
HOT Line $25.00 $750 $5.00 .01% .01%
GEM $25.00 $750 $9.75 .01% .01%

* Other fees and restrictions may apply to share draft/checking accounts. See Terms and Conditions & Fee Schedule for further details. Dividends paid monthly.

Automobile & Recreational Type Vehicles

Type APR
New Cars* As low as 1.45%
Used Cars* As low as 1.90%
New Motorcycle* As low as 3.95%
Used Motorcycle* As low as 5.95%
New Travel Trailer/Motor Home* As low as 4.95%
Used Travel Trailer/Motor Home* As low as 7.95%
Boats* As low as 4.95%

* Rate is dependent on credit worthiness. Rates, terms and offers are subject to change without notice. Rate may vary based on the loan amount, term and personal circumstances.

Certain loan terms and rates depend upon model year and loan amount. Membership is required before loan is funded.

Unsecured Personal Loans

Type APR
Unsecured/Personal Loan As low as 7.99%

*Rate is dependent on credit worthiness. Rates, terms and offers are subject to change without notice. Rate may vary based on the loan amount, term and personal circumstances.

Real Estate/Home Equity

Because rates for home loans may change multiple times on a daily basis, call HOTFCU for up to date rates. HOTFCU is very competitive with any published rates.

*Rates and Terms are based on credit history and length of financing.

Fees may reduce earnings on accounts listed above. See Fee Schedule

LOANS AND SAVINGS RATES ARE SUBJECT TO CHANGE AT ANY TIME WITHOUT NOTICE.

Need a loan? Apply Today!

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