Mortgage Loans

It’s easy with Howard County Education Federal Credit Union and our partner, Credit Union Mortgage Association.

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Our field of membership includes all Howard County Public School System current and retired employees; MSEA employees; HC Head Start employees; current HCPSS high school students; Coles bus Service employees; Glenelg Country School employees; and Salazar Services employees.  As with all credit unions the immediate family of members are eligible to join.  Once a member, always a member.

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.
Equal Housing OpportunityYes! This is a new website. We have updated our website to better serve our members. We hope you enjoy the improvements.

The Credit Union Office Hours

Beginning Monday, November 29, 2021

  • Monday-Wednesday-Friday: 9:00 am – 5:00 pm
  • Tuesday – Thursday: 9:00 am – 1:00 pm

Some availability to enter the office will be allowed after Nov 29, 2021:

  • Limit of one member at a time in the office, escorted by staff.
  • Masks worn over mouth & nose will be required.
  • Curbside service will still be provided for most transactions.

Phone us when arriving at the office (410-461-2257) to determine if an in-office transaction is an option.

Upcoming Holidays:

  • Monday, January 17, 2022             Closed for Martin Luther King, Jr Holiday

Important Information for HCE ATM/Debit Card Users

Click Here for the Fee Free ATM Locators

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 may be available the next business day after 2:00 PM.

24/7 Hot Card Service for Lost of Stolen ATM/Debit Cards

Out of Country: collect 909-941-1398

Board of Directors

Kathy Owens-Wyatt


Julian Katz

Vice President

Ruth Dorsey


Laurie Berryman


Vivian Kelly

Melodee Phillips

Chad Tidgewell

Position Available

Student Representative

Supervisory Committee

Melodee Phillips 443-812-1439

Cheryl McLeod