Share Account Rates and Service Fees
| Share Account Rates |
| Quarter Ending 12/31/2019 |
| 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 2015 and newer only. |
