Heart O' Texas

Headquarters

P. O. Box 11
Waco, TX 76703
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.01% 0.66% →
1-Year CD 0.75% 0.67% →
2-Year CD 0.75% 0.75% →
5-Year CD 1.26% 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Credit Union Information

Heart O' Texas is an NCUA insured institution located in Waco, TX. It was founded in 1956 and has approximately $47.57 millions in assets.

NCUA Insured Yes / Federally Chartered
Charter Number # # 11032
Date Established 1956
Assets $47.57 million
Loans $30.69 million
Deposits $42.61 million
Capital $4.41 million
 

Deposit Rates - April 15, 2021

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Savings
0.01% $200 - Learn More
Money Market
0.05% $2,500 $19,999 Learn More
Money Market
0.03% $20,000 $49,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.55% $1,000 - Learn More
12 Mo CD
0.75% $1,000 - Learn More
24 Mo CD
0.75% $1,000 - Learn More
36 Mo CD
0.51% $1,000 - Learn More
48 Mo CD
1.01% $1,000 - Learn More
60 Mo CD
1.26% $1,000 - Learn More
Int Checking Rates APY MIN MAX
Int Ckg
0.01% $750 - Learn MoreShow Less

Loan Rates - April 15, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for HEART O' TEXAS

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:



Featured - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Rocket Mortgage
NMLS ID: 3030
3.368% 3.250% 1.00 $3,750 $1,089 Learn More
Morty, Inc.
NMLS ID: 1429243
2.678% 2.625% 0.25 $1,730 $1,005 Learn More
Test Advertiser QA
NMLS ID:
2.450% 2.375% 1.00 $2,500 $972 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Test Advertiser QA
Test Advertiser QA
See Table
0.000 %
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

Note to HEART O' TEXAS
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Branches

Below are Heart O' Texas branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Fairfield,Connecticut


Heart O' Texas Locations


Financial Details

Heart O' Texas Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Heart O' Texas. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Heart O' Texas U.S. Average
20.02% 5.40

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of December 31, 2020, Heart O' Texas had $768,900 in non-current loans and $139,421 in owned assets. To cover these potential losses it had $4,414,194 in net worth and $123,048 in loans loss reserves. That gives it a Texas Ratio of 20.02%.

Net Worth
Heart O' Texas U.S. Average
9.74% 12.67%

Heart O' Texas FCU has a net worth of 9.74% versus the BestCashCow average of 12.67. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Heart O' Texas

Branches and Savings

What is Heart O' Texas?

A federal credit union, registered with the NCUA under certificate #11032.
Learn more about credit unions here.

Is Heart O' Texas FDIC insured?

No, credit unions are not insured by the FDIC. Most, but not all, are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance. Heart O' Texas is insured by the NCUA.

Who can join Heart O' Texas?

Please see Field of Membership information above for information on who is eligible to join.

What are Heart O' Texas's share account and share certificate rates?

Heart O' Texas's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Heart O' Texas?

Heart O' Texas has total capital of $4.41 million. Full information on Heart O' Texas's financial position is located above.

Who owns Heart O' Texas?

Credit Unions are owned by their members.

Where are Heart O' Texas branches located?

See branch locations nearby.

Are Heart O' Texas ATMs Open 24/7?

Do Heart O' Texas ATMs accept cash deposits?

Can Heart O' Texas customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Heart O' Texas have a mobile app?

Does Heart O' Texas have mobile deposit?

Does Heart O' Texas have quick pay?

How can Heart O' Texas transfer money to other banks or credit unions?

Does Heart O' Texas report to credit bureaus?

Does Heart O' Texas use Chexsystems?

Does Heart O' Texas use Equifax?

What is Heart O' Texas's toll free phone number?

What is Heart O' Texas's ACH Routing Number?

What is Heart O' Texas's SWIFT code?

Where can I find Heart O' Texas's wire transfer form?

What is the Heart O' Texas address for deposits?

What Products Does Heart O' Texas Offer

Does Heart O' Texas offer mortgages?

Compare mortgage rates here.

Does Heart O' Texas offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Heart O' Texas offer auto and RV loans?

Compare auto loan rates here.

Does Heart O' Texas offer student loans or personal loans?

Compare personal loan rates here.

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