Personal Loans

Share Account Rates and Service Fees

 Share Account Rates
 Quarter Ending 03/31/2017
 Account Type  Div. Rate APY 
 Share Account  0.15%   0.15%
 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)
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
$ 33.23 $ 34.20 $  34.69
Monthly payment per $1,000
*Depending on credit history

Platinum Loan
10.99% APR
Up to 5 years
Monthly payment per $1,000
Must have an Equifax credit score of 680+
No Credit Loan
15.00% APR
12 month term
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.

$1,001—$ 5,000
10.99% APR 12.99% APR 13.99% APR
Up to 24 months Up to 24 months Up to 24 months
$ 80.40 $ 89.34 $  89.81
Monthly payment per $1,000
Now available year round

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

New Beginnings Loans

New Beginnings
17.99% APR
12 months
Monthly payment per $1,000
Payments must be made through payroll deductions or ACH.
Second Beginnings
16.99% APR
18 months
 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
 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 2012 and newer only.