mobile deposit


The following limitations of Mastercard transactions may apply:

  • There is no limit on the number of Mastercard purchases you make per day.
  • But you may only purchase up to a maximum of $5,000.00 per day.
  • There is no limit to the number of cash withdrawals you may make in any one (1) day from an ATM machine.
  • But you may only withdraw up to a maximum of $500.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account.
  • There is no limit on the number of POS transactions you may make in any one (1) day.
  • But you may only purchase up to a maximum of $5,000.00 from POS terminals per day, if there are sufficient funds in your account.

Bill Pay P to P transactions:

  • You may process an individual P to P transaction of up to $1,000.00 per transaction, $2,000.00 per day total.
Howard County Education Federal Credit Union 70th Anniversary

Special Promotional Term Certificate Offer

12-month Term Certificate, Minimum of $10,000 NEW CD MONEY

Available 12/20/23 – 3/12/24

4.50 APY

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.

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.

The Credit Union Office Hours

  • Monday-Friday: 9:00 am – 5:00 pm

Upcoming Holidays:

  • Good Friday, Friday, March 29 – Closed

  • Easter Monday, Monday April 1 – Closed

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 or Stolen or compromised ATM/Debit Cards

Out of Country: collect 909-941-1398

Board of Directors

Kathy Owens-Wyatt


Julian Katz

Vice President

Vivian Kelly


Laurie Berryman


Ruth Dorsey

Edward (Woody) Nicholson, Jr.

Lisa Sweeney

Supervisory Committee

Ruth Dorsey, Chair
Cheryl McLeod
Virginia (Denise) Lee

The supervisory committee now has a P.O. Box for communication from our members. The address is:
P.O. Box 1810,  Ellicott City, Maryland 21043