Personal Loans

Share Account Rates and Service Fees

Share Account Rates
Quarter Ending 6/30/2018
Account Type Div. Rate APY
Share Account 0.20% 0.20%
IRA Share Account 0.20% 0.20%
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
APR – Annual Percentage Rate

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% APR 13.99% APR 14.99% APR
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% APR
Up to 5 years
$21.74
Monthly payment per $1,000
Must have an Equifax credit score of 680+

Holiday Loan
up to $6,000
10.99% APR 12.99% APR 13.99% APR
65 bi-weekly pays
$ 36.19 $ 37.14 $ 37.62
monthly payment per $1000
available Oct 15, 2018 through Jan 25, 2019
No Credit Loan
$1,200
15.00% APR
12 month term
$90.24
Monthly payment per $1,000
For those with no credit history

Other Personal Loans

Existing loans with Howard County Education FCU are not eligible to be refinanced through Howard County Education FCU. Rates Effective 1/01/2016 and are subject to change without notice.

Vacation
$1,001—$ 5,000
10.99% APR 12.99% APR 13.99% APR
Up to 24 months Up to 24 months Up to 24 months
$ 46.60 $ 47.53 $ 48.00
Monthly payment per $1,000
Now available year round

Back to School
$1500
5.99% APR
12 months
$86.06
Monthly payment per $1,000
Now available year round
Home Improvements
up to $10,000
10.99% APR
48 months
$88.36
Monthly payment per $1,000
must have an Equifax credit score of 680+
Tuition
Up to $10,000
8.50% APR
Up to 4 years
$24.65
Monthly payment per $1,000

New Beginnings Loans

New Beginnings
$1200
17.99% APR
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 of the credit union for at least 6 months to apply for the New Beginnings Loan

Second Beginnings
$1,800
16.99% APR
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% APR
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 2013 and newer only.

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