Online Banking


The Heart O' Texas Federal Credit Union now offers its members secure on-line banking using a connection to the Internet. Call the Credit Union today and we will give you the information needed to use this new service, or click below to log in.


Important Numbers

To report a lost or stolen ATM/DEBIT Card

To report a lost or stolen MASTERCARD/VISA credit card

Audio Response
(contact credit union for authorization code)

Allied Solutions - Proof of Insurance Verification               


Contact Us

Heart O'Texas Federal Credit Union

Waco Office: 254-751-1622
L-3 Office: 254-799-5923
Killeen Office: 254-634-7722
Copperas Cove Office: 254-547-1072

Lobby Hours: 9.00 am to 5.00 pm Monday/Thursday
9.00 am to 5.30 pm Friday

Drive Thru Hours : 7.30 am to 5.30 pm Monday/Friday
9.00 am / 12.00 Saturday