hotfcu.orgCrawled Oct 26, 2026
Heart O' Texas Federal Credit Union has plenty of options with flexible terms and competitive interest rates available.
Members receive exclusive discounts and benefits from trusted partners.
The L3 location offers updated hours for member convenience.
*The fees and percentages appearing in this Fee Schedule are accurate and effective for all accounts as of the date Indicated below. New or changes to existing fees are indicated in bold.
The fee schedule lists accurate rates effective for all accounts from the specified date, with new or changed fees highlighted.
Annual Percentage Yield (APY) Annual Percentage Rate (APR)
The page displays annual percentage yield (APY) and annual percentage rate (APR) information.
Heart O' Texas Federal Credit Union has served members since 1956 through three Central Texas locations, focusing on long-term relationships and financial services.
Communities in Schools of the Heart of Texas connects students with resources to address barriers to education by linking schools with community support.
The Juanita C. Williams Educational Trust Fund was established in 1991 to support the education of Heart O’ Texas Federal Credit Union members.
Heart O’ Texas Federal Credit Union aims to provide economic security and partnerships in the Greater Central Texas area.
1-800-817-1622 or 254-751-1622 Fax 254-751-1141
Confidential information should not be sent via email to the Credit Union
Waco Llamada gratuita 1-800-817-1622 Tel. 254-751-1622 Fax 254-751-1141
Scammers impersonate Heart O’ Texas FCU’s fraud department; members should hang up and contact the credit union directly if asked for personal information.
Heart O Texas FCU’s mobile app helps members manage credit and debit cards through their mobile device.
