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.

Exciting New Eligibility Expansion Brings Membership Opportunities

    For the first time in the history of Howard County Education FCU (formerly HCTA FCU) we have expanded our Charter from a Single Common Bond to a Multiple Common Bond.  The bond charter amendment approved by the Board of Directors at the December 2011 meeting allows the credit union to begin expanding membership to associated groups of the Howard County Public School System. 

    The first new group, as approved by NCUA, is all high school students in the Howard County Public School System. High School students may open an account as the primary account holder with a HCPSS student ID, and a parent or legal guardian as a joint-owner on the account.  Once the student has become a member, their immediate family members are also eligible to join.  Note that the Winter Newsletter will read only Senior Year students and Millionaire's Club members, because our final approval came just days following our newsletter deadline.  All current HCPSS High School students are eligible.

    If you know of an organization or associated group who serves HCPSS and might wish to become a member organization of the Credit UInion, please have them contact Janet Oursler.

Board of Directors                         Supervisory Committee

Mario Williams        President            

Ruth Dorsey           Vice President                                   

Kathy Owens-Wyatt Treasurer             Kathleen Agans       410 313-7193

Kimberly Clare          Secretary           Cherylene Beck       410 313-6714

Kathleen Agans                                Tricia Murphy           410 313-6648

Larry (Rick) Dorsey

Vivian Kelly

Melodee Phillips

Julian Katz

Not getting your bi-monthly E-Connection?  Send us an email at info@hctafcu.org and ask us to put you on the emailing list.  Don't miss another edition!

Important Information for HCTA ATM/Debit Card Users

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

Local:  1 888-241-2510
Out of Country:  collect  909-941-1398

Links to 3rd Party Websites

When accessing any third party content within, or through, the Howard County Education Federal Credit Union website, we encourage you to review the privacy policy and security offered on that site before providing any personal information.  Howard County Education Federal Credit Union does not guarantee or assume liability for any third party product or service obtained through our website.  Howard County Education Federal Credit Union does not represent either the third party or the member if the two enter into a transaction.