Heart O\' Texas Federal Credit Union Rates and Review January 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 →
Compare Heart O\' Texas Federal Credit Union CD rates to other credit union and bank CD rates by searching our comprehensive rate tables. You can do side-by-side comparisons of Heart O\' Texas Federal Credit Union savings rates, CD rates and money market rates, with rates from other banks and credit unions below. You can also compare loan rates, including mortgage rates, personal loan rates and credit card rates. Rate Updates and AvailabilityHeart 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 CD rates or 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. Overall, Heart O\' Texas Federal Credit Union is an excellent credit union worth considering, with an overall rating of 5 stars out of 5 stars. Current Interest RatesRate
APY/APR
vs Avg
"N/A" indicates the product is not offered or the rate is unavailable. Heart O\' Texas Federal Credit Union Main Office 7500 Imperial Drive Waco, TX 76712  CD & Savings Rate ComparisonShow More
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts. Mortgage Rate ComparisonLender
Product
Rate
APR
Points
View 50 More
Credit Card Rate ComparisonPlatinum Rewards
8.900% - 13.900%
Based upon credit worthiness.
VISA Platinum without Rewards
7.900%
Security Service Power Cash Back World MasterCard
16.950% - 18.000%
Show More
The credit card rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date credit card rates. The actual credit card rates and other loan conditions depend on the institution's approval and are not guaranteed. Personal Loan Rate ComparisonPersonal Line of Credit
13.040%
$0
Personal Loans
8.990% - 19.990%
$500 - $30,000
60
Personal Loans
13.490%
$0 - $5,000
48 - 48
Show More
The personal loan rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date personal loan rates. The actual personal loan rates and other loan conditions depend on the institution's approval and are not guaranteed. Our apologies, we do not have Heart O\' Texas Federal Credit Union rate data right now. Credit Union Profile & OverviewCredit Union Name: Heart O\' Texas Federal Credit Union
Website: https://www.hotfcu.org
Full Time Employees: 20Part Time Employees: 0 President: Leon Hardy CEO: Phil Dysinger Branch Locations: 3 ATM Locations: 3 Corporate Office Address:
7500 Imperial Drive
Waco, TX 76712 Phone Number: 254-751-1622 Fax Number: 254-751-1141 FinancialsTotal Assets:
55,384,713
Total Amount of Shares and Deposits:
51,073,620
Total Shares and Deposits < 1 Year:
48,584,964
Total Shares and Deposits 1 3 Years:
2,467,318
Total Shares and Deposits > 3 Years:
21,338
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
1,884,939
Total Uninsured Shares and Deposits > $250K (F+J):
1,884,939
Total Insured Shares and Deposits > $250K (item 17 less item K):
49,188,681
Total Interest Expense (Sum of items 6 8):
458,806
Share Certificates:
257
Number of Accounts for Share Drafts:
1,634
IRA KEOGH Accounts:
1
Number of Accounts for Regular Shares:
3,457
All other shares:
124
Non Member Deposits:
11
Money Market Shares:
58
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
3,502,588
Total Liabilities:
51,448,282
Show More
Source: NCUA Last Updated 09/30/2025
Customer ReviewsThere are no reviews for Heart O\' Texas Federal Credit Union yet. Feel free to create one below.
Add Your Rating and Review for Heart O\' Texas Federal Credit Union
Frequently Asked Questions About Heart O\' Texas Federal Credit UnionIs 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. Is there a first-time homebuyer program?Currently, Heart O\' Texas Federal Credit Union provides a range of mortgage and home equity products. Is Heart O\' Texas Federal Credit Union a safe place to deposit money?Yes, Heart O\' Texas Federal Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. 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 including online balance checks and transfers. Compare to other Credit Unions |
12-month CD rates can be found at 1.51%, 6-month CD rates at 0.05% and 3-month CD rates at 0.20%. Savings rates are at 0.40% and money market rates are at 0.15%. Mortgage rates on 30-year fixed loans are around 5.94%. Credit Card rates are at 13.90%. Personal Loan rates are at 12.99%. All these rates, and more, can be found in our database of rates which you can compare to 
