Credit union · NCUA insured
Heart O' Texas Federal Credit Union CD Rates
Heart O' Texas Federal Credit Union’s best CD rate is 3.65% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Heart O' Texas Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Waco, TX, where Heart O' Texas Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Heart O' Texas Federal Credit Union
3.65%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $365
Share Certificates of Deposit
Top rate
First National Bank of Bastrop
5.00%APY
- Term
- 7 months
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000
- $289
2nd-highest rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
Heart O' Texas Federal Credit Union CD score
73
CD score
Higher than 34% of U.S. banks and credit unions
- 3–8 months3–8 mo2.33%
- 9–15 months9–15 mo3.65%
- 16–30 months16–30 mo3.44%
- 31–60 months31–60 mo2.83%
- QualifiedQualified3.65%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Heart O' Texas Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificates of Deposit
Up to 3.65%APY · 7 terms
Early withdrawal penalties may apply. Dividends compounded quarterly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsEarly withdrawal penalties may apply. Dividends compounded quarterly | 2.33% | $116 |
| 12 monthsEarly withdrawal penalties may apply. Dividends compounded quarterly | 3.65% | $365 |
| 18 monthsEarly withdrawal penalties may apply. Dividends compounded quarterly | 3.24% | $490 |
| 24 monthsEarly withdrawal penalties may apply. Dividends compounded quarterly | 3.44% | $701 |
| 36 monthsEarly withdrawal penalties may apply. Dividends compounded quarterly | 2.69% | $829 |
| 48 monthsEarly withdrawal penalties may apply. Dividends compounded quarterly | 2.83% | $1,181 |
| 60 monthsEarly withdrawal penalties may apply. Dividends compounded quarterly | 2.58% | $1,356 |
Sources (1)
- hotfcu.org/rates-2 · captured Sep 17, 2026
Special-purpose accounts
IRA Share Certificates of Deposit
Up to 3.65%APY · 5 terms
Early withdrawal penalties may apply. Dividends compounded quarterly. Available in Traditional or Roth IRA options.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsEarly withdrawal penalties may apply. Dividends compounded quarterly | 3.65% | $365 |
| 24 monthsEarly withdrawal penalties may apply. Dividends compounded quarterly | 3.44% | $701 |
| 36 monthsEarly withdrawal penalties may apply. Dividends compounded quarterly | 2.69% | $829 |
| 48 monthsEarly withdrawal penalties may apply. Dividends compounded quarterly | 2.83% | $1,181 |
| 60 monthsEarly withdrawal penalties may apply. Dividends compounded quarterly | 2.58% | $1,356 |
Who can join Heart O' Texas Federal Credit Union
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