NCUA-insured credit union
Heart O' Texas
Credit Union headquartered in Waco, Texas.
Source: NCUA call report data, data as of March 31, 2026, fetched September 5, 2026
Headquarters and contact
| Address | P. O. Box 11 Waco, TX 76703 |
| County | McLennan |
| Website | not published in NCUA data |
| Phone | (254) 751-1622 |
NCUA record
| NCUA Charter | 11032 |
| Federal Reserve RSSD ID | 628589 |
| Status | Active |
| Charter type | 1 (NCUA) |
| Financials as of | March 31, 2026 |
Routing number
NCUA does not publish ABA routing numbers, and many credit unions use different routing numbers by state or by account type. The reliable places to find yours: the bottom left of a check from this credit union, the "account details" screen in its online banking, or its official website.
See how your odds compare before you apply at Heart O' Texas.
Offices
| Main Office main office Waco, TX |
7500 Imperial Drive, 76712 (254) 751-1622 Lobby Hours: Mon. - Thurs. 9:00 - 5:00 Friday 9:00 - 5:30 Drive-Thru Hours: M - F 8:00 - 5:30 Saturday: Drive-Thru Hours 9:00 - 12:00 |
| Killeen Killeen, TX |
1612 S Fort Hood St, 76542 (254) 634-7722 Mon - Thurs: Lobby Hours 9:00 - 5:00 Drive-Thru Hours 8:00 - 5:30 Friday: Lobby Hours 9:00 - 5:30 Drive-Thru Hours 8:00 - 5:30 Saturday: Drive-Thru Hours 9:00 - 12:00 |
| L3 Waco, TX |
7412 Maehr Rd, 76705 (254) 799-5923 Limited Access - L3 Employees Only Every Other Thursday 9am - 5-pm, Opposite Friday 9am - 5pm |
Where Heart O' Texas has offices
Other credit unions headquartered in Waco
| Educators | $604.03 million |
| Genco | $490.87 million |
| Members Choice of Central Texas | $213.34 million |
| First Central | $188.44 million |
| Mclennan County Employees | $20.69 million |
| Waco | $20.24 million |
| Linkage | $17.88 million |
| 1st University | $17.77 million |