Banking made easy for the Howard County education community

Manage your accounts anytime with HCE Online and our mobile app.
Apply for a loan or open an account from your phone or computer.

Auto Loans

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Personal Loans

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Check Out Our Programs

Special Promotions

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TruStage Insurance

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Student Loans

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01

Personal Loans

Fixed terms with predictable payments. Signature, Platinum, and New Beginnings options for your goals.

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02

Auto Loans

New and used financing with flexible terms for qualified borrowers. Get preapproved before you shop.

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03

Bill pay

This NO-Fee service is available to all of our Share Draft Account holders. To begin the program you must have a Share Draft Account (checking) linked to your Share Account (savings). All transactions with the Bee OnTime bill pay program and Bee Linked mobile banking will flow through your Share Draft Account. Please note that even if you try to pay your bills through your 01 Share (savings) account we cannot process them and they will be returned.

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Savings & CD's

Grow your money with shares and term share certificates. Competitive rates and NCUA insurance.

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Online Banking

Secure access to your accounts anytime from your computer, tablet, or smartphone.

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06

Mobile Banking

Put your money in your pocket with the Bee APPy mobile app. Check balances, transfer funds, and deposit checks with approval.

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Credit Union News-

Updates for HCEFCU members, including promotions, security tips, and service alerts.

Mobile Deposit. Tap, Snap, Deposit

Endorse your check and write “For HCEFCU Mobile Deposit Only” with your account number under your signature. Open the app, choose Deposit, and follow the prompts. Limits apply per check, per day, and per month. Keep the original check as instructed.

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Current Member Promotions

See our latest offers, including Auto Loans with a deferred first payment, Term Share Certificates, Home Improvement Loans, New Beginnings Auto, and the Bee APPy mobile banking app. Offers and terms can change without notice.

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Why Choose Howard County Education FCU

Member owned. Local service.

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Membership

Membership is open to HCPSS employees and retirees, approved school affiliates, current HCPSS high school students, and immediate family of members.
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auto

Auto Loans

Finance new or used vehicles with flexible terms for qualified borrowers. Get preapproved before you shop.
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mobile

Mobile Banking

Use the Bee APPy mobile app to check balances, transfer funds, make loan payments, and deposit checks with approval.

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CO-OP ATMs

Enjoy surcharge-free access at thousands of CO-OP Network ATMs. Find one near you by ZIP code or GPS.
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What Our Members Have to Say

Testimonials

“My experience here is always positive. It is a family atmosphere here. These ladies are knowledgeable and pleasant all the time. Kudos o the great job they do.”

- P.S.

“I utilized the credit union for a car loan. The process was seamless and completed quickly. Staff are always personable and friendly.”

- T.L.

“My experience has been great. From car loans to opening account and cards, everything has been efficient and all my questions were answered clearly. I appreciate their help.”

-R.W.

Email to President, 5/3/19

“Always feel like family environment! Rate savings are always in my favor better than other ordinary bank!”

- V.P.

Email to Staff, 1/23/19

“I have always enjoyed fast, friendly & professional service when visiting the Credit Union.”

- G.N.

Need to Drop Us a Line?

Contact Us

Your voice matters at Howard County Education FCU. We welcome your questions and feedback. Use the form or reach us by phone or email. We will respond as soon as possible during office hours.

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Financial Tips and Money Sense

What’s the difference between banks and credit unions — and why choosing a credit union like Howard County Education Federal Credit Union (HCEFCU) can be a smarter move

If you’re exploring where to keep your money or apply for a loan, you’ve likely come across both banks and credit unions. While they may look very similar at first glance — both offer checking and savings, loans, and online access — the underlying structures and philosophies differ significantly. At HCEFCU, I’ll walk you through…

LEARN MORE about What’s the difference between banks and credit unions — and why choosing a credit union like Howard County Education Federal Credit Union (HCEFCU) can be a smarter move

What 10 Things You Should Know When Taking Out a Personal Loan

At Howard County Education Federal Credit Union (HCE FCU), we’re here to help you make smart, informed borrowing decisions. If you’re considering a personal loan, here are ten key things you should understand before you apply. 1. Know What a Personal Loan Really Is A personal loan is typically a lump-sum amount you receive and…

LEARN MORE about What 10 Things You Should Know When Taking Out a Personal Loan

7 Things You Should Do to Help Improve Your Credit Score

Presented by Howard County Education Federal Credit UnionLocation: 3458 Ellicott Center Drive, Suite 106, Ellicott City, MD 21043Call: 410-461-2257Website: https://www.hctafcu.org/ A strong credit score is one of the most important financial tools you can build. It affects everything from your loan rates to your ability to qualify for housing, insurance, and even certain jobs. At…

LEARN MORE about 7 Things You Should Do to Help Improve Your Credit Score