Heart O' Texas

waco, Texas
Last verified: July 10, 2026

As of July 10, 2026, Heart O' Texas offers a share_certificate_6mo mortgage at 2.325% APR (2.3% rate, 0 points). Auto loans available from 4.49% APR. Personal loan rates from 9.99% APR.

Source: RateAPI.dev, verified from Heart O' Texas's official website

Mortgage Rates

Rates as of July 10, 2026

share_certificate_6mo
2.325% APR
Rate2.300%
Points0
Share Certificates of Deposit - 6 months
share_certificate_60mo
2.575% APR
Rate2.550%
Points0
Share Certificates of Deposit - 60 months
share_certificate_36mo
2.691% APR
Rate2.650%
Points0
Share Certificates of Deposit - 36 months
share_certificate_48mo
2.830% APR
Rate2.800%
Points0
Share Certificates of Deposit - 48 months
share_certificate_18mo
3.240% APR
Rate3.200%
Points0
Share Certificates of Deposit - 18 months
share_certificate_24mo
3.444% APR
Rate3.400%
Points0
Share Certificates of Deposit - 24 months
share_certificate_12mo
3.651% APR
Rate3.600%
Points0
Share Certificates of Deposit - 12 months
savings
5.000% APR
Rate5.000%
Points0
Basic Checking
savings
5.000% APR
Rate5.000%
Points0
HOT Line Checking

Auto Loan Rates

Rates as of July 10, 2026

auto
4.490% APR
Rate4.490%
[PROMOTIONAL] Auto Loan
auto
4.550% APR
Rate4.550%
[PROMOTIONAL] Auto Loans
auto_new
4.550% APR
Rate4.550%
[PROMOTIONAL] New Cars
auto_used
4.550% APR
Rate4.550%
[PROMOTIONAL] Used Cars
auto
5.950% APR
Rate5.950%
[PROMOTIONAL] Boats
auto_new
5.950% APR
Rate5.950%
[PROMOTIONAL] New Motorcycle
auto_new
6.950% APR
Rate6.950%
[PROMOTIONAL] New Travel Trailer/Motor Home
auto_used
6.950% APR
Rate6.950%
[PROMOTIONAL] Used Motorcycle
auto_used
8.950% APR
Rate8.950%
[PROMOTIONAL] Used Travel Trailer/Motor Home

Personal Loan Rates

Rates as of July 10, 2026

personal_unsecured
9.990% APR
Rate9.990%
[PROMOTIONAL] Personal Loans
personal_unsecured
9.990% APR
Rate9.990%
[PROMOTIONAL] Unsecured/Personal Loan

Frequently Asked Questions

What rates does Heart O' Texas offer?

Heart O' Texas currently offers mortgage, auto loan, and personal loan rates. The rates shown on this page were last verified July 10, 2026 directly from the credit union's official website.

How often are Heart O' Texas rates updated?

RateAPI verifies Heart O' Texas's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified July 10, 2026.

Where does RateAPI get Heart O' Texas's rate data?

Rate data is collected directly from Heart O' Texas's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What is Heart O' Texas's mortgage rate?

As of July 10, 2026, Heart O' Texas offers a share_certificate_6mo mortgage at 2.325% APR.

What is Heart O' Texas's auto loan rate?

As of July 10, 2026, Heart O' Texas offers auto loans from 4.49% APR.

Related Rate Data

Compare Heart O' Texas's rates against national credit-union benchmarks.

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

View Original Source

Methodology

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

View Methodology

Use it via API

Access this data programmatically with our REST API

terminal
# Get rates for Heart O' Texas
curl "https://api.rateapi.dev/credit-unions/texas/heart-o-texas" \
  -H "Authorization: Bearer YOUR_API_KEY"