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Advertiser Disclosure
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 Heart O' Texas Federal Credit Union Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: September 21, 2026
Heart O' Texas Federal Credit Union's 12 Month CDs of Deposit rates are at 3.65%, IRA CDs of Deposit - 12 month rates are at 3.65%, 24 Month CDs of Deposit rates are at 3.44%, IRA CDs of Deposit - 24 month rates are at 3.44%, 18 Month CDs of Deposit rates are at 3.24%. Heart O' Texas Federal Credit Union's savings rates are at 0.10%. Heart O' Texas Federal Credit Union's Personal Loan Rates are as low as 9.99%. MonitorBankRates evaluates the financial stability of Heart O' Texas Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.00%. Rates last updated and verified on 09/21/2026. Heart O' Texas Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Heart O' Texas Federal Credit Union? Share your experience about Heart O' Texas Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Heart O' Texas Federal Credit Union. Heart O' Texas Federal Credit Union
Main Office 7500 Imperial Drive
https://www.hotfcu.org Waco, TX 76712 
Heart O' Texas Federal Credit Union CD Rates
Heart O' Texas Federal Credit Union Savings Rates
Heart O' Texas Federal Credit Union Auto Loan Rates
Heart O' Texas Federal Credit Union RV, Boat and Powersport Loan Rates
Heart O' Texas Federal Credit Union Personal Loan Rates
Heart O' Texas Federal Credit Union Other Rates
Financial Health HistoryHeart O' Texas Federal Credit Union’s Texas Ratio fell from 6.98% in Q2 2023 to 3.00% in Q1 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A to A+. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Heart O' Texas Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Heart O' Texas Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Heart O' Texas Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Heart O' Texas Federal Credit Union
Website
https://www.hotfcu.org
Address
7500 Imperial Drive,
Waco, TX 76712
Phone
254-751-1622
Fax
254-751-1141
President
Leon Hardy
CEO
Phil Dysinger
Full-Time Employees
19
Part-Time Employees
1
Branch Locations
3
ATM Locations
3
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
3.00%
Return on Assets (ROA)
-0.0347%
Return on Equity (ROE)
-0.4711%
Non-Performing Loans Ratio (NPL)
0.32%
Total Assets
54,630,566
Total Amount of Shares and Deposits
50,265,980
Total Shares and Deposits < 1 Year
48,432,690
Total Shares and Deposits 1 3 Years
1,831,934
Total Shares and Deposits > 3 Years
1,356
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
1,607,600
Total Uninsured Shares and Deposits > $250K (F+J)
1,607,600
Total Insured Shares and Deposits > $250K (item 17 less item K)
48,658,380
Total Interest Expense (Sum of items 6 8)
128,007
Share Certificates
261
Number of Accounts for Share Drafts
1,627
IRA KEOGH Accounts
2
Number of Accounts for Regular Shares
3,354
All other shares
120
Non Member Deposits
6
Money Market Shares
56
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
3,061,560
Total Liabilities
50,601,952
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for Heart O' Texas Federal Credit Union yet. Feel free to create one below.
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Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Heart O' Texas Federal Credit Union
Frequently Asked Questions About Heart O' Texas Federal Credit UnionHow many branches does Heart O' Texas Federal Credit Union operate?Heart O' Texas Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Heart O' Texas Federal Credit Union?Yes, to access services at Heart O' Texas Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Heart O' Texas Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Heart O' Texas Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Heart O' Texas Federal Credit Union offer online and mobile banking?Most modern institutions like Heart O' Texas Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.hotfcu.org. Current Heart O' Texas Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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