Personal Rates

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.

 

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