Welcome The Credit Union Difference

Unlike other financial institutions, credit unions are owned by its members.

The Board of Directors are democratically elected from among the members, and each member is entitled to one vote -- regardless of the amount of deposits with the Credit Union. Credit unions are not-for-profit and there are no outside stockholders. That means all excess profits are returned to the members in the form of higher savings rates, lower loan rates and lower fees for services than most other financial institutions. Credit unions are well noted for the high level of service provided to their members -- and Howard County Education FCU is no exception!

Howard County Education FCU offers a wide variety of services, designed with you in mind. From savings and certificates to personal and auto loans, you'll find your credit union a great place to take care of most of your financial needs.
The Credit Union Office
will be open regular hours
Monday - Friday  9 am - 5 pm
Holiday Hours
July 3     Open regular hours
July 4     Closed


our new Programs

Check out our new Programs

TruStage Insurance

The Credit Union Office
open regular hours
Monday - Friday 9 am - 5 pm

Holiday Hours
July 3    Open regular hours
July 4    Closed

Important Information for

HCE ATM/Debit Card Users

Click to the OnLine Page for the Fee Free ATM Locator

Card Renewals

If your ATM/Debit Card is up for renewal, watch your mail for your card. Be sure to activate your new card by calling the number on the sticker on the card and destroy the old card securely. Your PIN will stay the same.

ATM/Debit Funds Availability

Deposits to your "21" Share Draft Account are available the next business day after 2:00 PM.

24/7 Hot Card Service for lost or stolen ATM/Debit Cards

Out of Country: collect 909-941-1398

Board of Directors

  • Mario Williams

  • Julian Katz

    Vice President
  • Kathy Owens-Wyatt

  • Kimberly Clare

  • Laurence Crandon

    Student Representative
  • Vivian Kelly

  • Melodee Phillips

  • Ruth Dorsey

  • Supervisory Committee
    Cherylene Beck         410 313-6714
    Julian Katz
    Terry Burks