Our Latest News
Howard County Education Federal Credit Union's newsletter, Member Insight, has all of the financial information you need to stay up to date. Inside each issue, you'll find helpful articles, member and employee spotlights, important news, financial literacy tips and more. Select the most current newsletter or one of our recent issues below:
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…
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…
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…