Share Account Rates and Service Fees
Share Account Rates |
Quarter Ending 9/30/2019 |
Account Type |
Div. Rate |
APY |
Share Account |
0.40% |
0.410% |
IRA Share Account |
0.30% |
0.300% |
Term Share Certificate |
Call for Current Rate |
** |
Early withdrawal from Term Share Certificates may affect Dividends.
** Term Share Certificate Rates change monthly
Share Dividend Rates are subject to change
APY – Annual Percentage Yield
Service Fees |
Description |
Fee |
Check Return/Redeposit |
$25.00 |
Dormant Account: after return of 3 statements |
$5/qtr |
Stop Payment |
$12.50 |
2nd or 3rd party check (3+) |
$5.00 |
Statement Copy Request |
$5.00 |
Credit Report Fee |
$15.00 |
Home Mortgages at HCEFCU
GREAT RATES Now offering 30 Year Terms! 80 % LTV (Loan amount to Value of Property)
PROFESSIONAL LOCAL SERVICE, A VARIETY OF LOANS TO SUIT YOUR NEEDS
Call Financial Security Consultants our mortgage partner at 410-823-3300 today!
Personal/Signature Loans
Until further notice, the following Personal/Signature rates will be in effect according to the following terms:
Signature Loan |
$1,001—$ 10,000 |
11.99% |
13.99% |
14.99% |
Up to 36 months |
Up to 36 months |
Up to 36 months |
$ 33.21 |
$ 34.17 |
$ 34.66 |
Monthly payment per $1,000 |
*Depending on credit history |
Platinum Loan |
$10,001—$20,000 |
10.99% |
Up to 5 years |
$21.74 |
Monthly payment per $1,000 |
Must have an Equifax credit score of 680+ |
Other Personal Loans
Existing loans with Howard County Education FCU are not eligible to be refinanced through Howard County Education FCU. Rates Effective 1/01/2015 and are subject to change without notice.
Vacation |
$1,001—$ 5,000 |
10.99% |
12.99% |
13.99% |
Up to 24 months |
Up to 24 months |
Up to 24 months |
$ 80.40 |
$ 89.34 |
$ 89.81 |
Monthly payment per $1,000 |
Now available year round |
Back to School |
$1500 |
5.99% |
12 months |
$86.06 |
Monthly payment per $1,000 |
Now available year round |
Computer |
Cost of Computer |
10.00% |
Up to 24 months |
$46.17 |
Monthly payment per $1,000 |
|
Tuition |
Up to $10,000 |
8.50% |
Up to 4 years |
$24.65 |
Monthly payment per $1,000 |
|
New Beginnings Loans
New Beginnings |
$1200 |
17.99% |
12 months |
$91.65 |
Monthly payment per $1,000 |
Payments must be made through payroll deductions or ACH. Beginning August 1, 2018 you must be a member for at least 6 months to apply for a New Beginnings Loan. |
Second Beginnings |
$1,800 |
16.99% |
18 months |
$63.31 |
Monthly payment per $1,000 |
For members who have successfully completed paying off a New Beginnings Loan. No late payments on previous or current NB Loan. If one NB has been paid off & have a current NB loan the current loan can be refinanced up to the $1800 limit at the new rate. Must be an ACH or payroll deduction payment. |
New Beginnings Auto |
Up to $16,500 |
14.99% |
48 months |
27.83 |
Monthly payment per $1,000 |
6 months of good payment history with NB Loan or 6 months CU member in good standing. Payment must be made through payroll deductions or ACH. Models 2010 and newer only. |