NCUA-insured credit union
Heart O' Texas — Waco, TX
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 |
How to find your Heart O' Texas 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.
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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
Cities with the most Heart O' Texas 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 |
Largest credit unions headquartered elsewhere in Texas
| Randolph-brooks Universal City | $19.19 billion |
| Security Service San Antonio | $14.21 billion |
| American Airlines Fort Worth | $9.45 billion |
| Texas Dow Employees Houston | $5.10 billion |
| Rally Corpus Christi | $4.77 billion |
| Eecu Fort Worth | $4.76 billion |
| Gecu El Paso | $4.66 billion |
| Credit Human San Antonio | $4.38 billion |
Compare before you open an account: today's CD and savings rates, the CD calculator and the savings calculator.
