The Heart O' Texas Federal Credit Union All Credit Levels is a cdfi lender from Heart O' Texas Federal Credit Union. The ongoing APR is 4.99% APR. This product reports activity to your personal credit report. Heart O' Texas Federal Credit Union is a member-owned financial institution located in Waco, TX, dedicated to providing a range of financial services to its members. It primarily serves individuals and families in the local community, focusing on promoting financial well-being through accessible lending options. Services include: personal loans, auto loans, mortgages. US Treasury certified CDFI Credit Union in Waco, TX. Membership required.