Howard Country Education FCU offers a wide variety of services, designed with you in mind

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 new Programs

Check out our new Programs

TruStage Insurance


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The Credit Union Office
will be closed on
Wednesday, September 19, 2018

Hurricane Florence is causing Online Issues Nationwide
Our Online access has been impacted by disruptions in online connections.  If you cannot get online to view your account please call the office and we can assist you with your transactions.

Notice from our Bill Pay Service Provider
Bill Pay:  Hurricane could impact USPS Payments
The U.S. Postal Service (USPS) has suspended operations in several ZIP code areas that are likely to be impacted by Hurricane Florence.  In addition, many post offices are closed and mail delivery has been stopped.  As a result, checks for bill payment that are sent through the mail could be delayed or non-deliverable to certain areas.  If you are a bill payment users, this could affect your bill pay payments.


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 are available the next business day after 2:00 PM.

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

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

Board of Directors

  • Kathy Owens-Wyatt

  • Julian Katz

    Vice President
  • Ruth Dorsey

  • Vivian Kelly

  • Melodee Phillips

  • Chad Tidgewell

  • Dumebi Adigwe

    Student Representative
  • Supervisory Committee
    Melodee Phillips       410 365-0805
    Terry Burks
    Keith Richardson