Spring Promotions

Deferred Payment Auto Loan Program

Buy a New or Used Vehicle up to $30,000 (including taxes, tags & title) and defer your first payment for 3 months.  This is a limited time program.  All qualifying requirements still apply.  Includes both monthly or bi-weekly payment options.

Join our Bee APPy Club!

Upload our Mobile Banking Bee APPy APP today.  Go to Google Play and search for Howard County Education FCU or the APPLE Store and search for HCEFCU.  You must have an active Online Access account to us the APP.  If you need assistance just give us a call and we can walk you through the process.

New Term Share Certificate Offering  effective May 1, 2020

Account TypeDividend RateMinimum Initial Deposit
6 month certificate0.15% apy$1000
1 year certificate0.20% apy$1000
2 year certificate0.30% apy$1000
3 year certificate0.50% apy$1000

Penalty will apply for early withdrawal. APY = Annual Percentage Yield

Rates subject to change without notice. Please call Credit Union for current rates.


Up to $10,000 at a rate of 10.99% APR for a payment period of 48 months.
Must have an Equifax credit score of 680+ to qualify.

New Beginnings Auto Loan available

Up to $16,500 at a rate of 14.99%  APR for a payment period of 48 months. No down payment.

Restrictions apply: member must have at least 6 months good payment history with a New Beginnings Personal Loan or be a HCE Credit Union member in good standing. Payments must be made through payroll deductions or ACH. Vehicle must be 2015 models or newer. No down payment required.

Home Mortgages Available Through Howard County Education FCU

Great Rates!  We offer 30 Year Terms! 80% LTV (Loan Amt to Value of Property) Professional Local Service A Variety of Loans to Suit Your Needs Call Freedmont Mortgage Funding, Inc. Our Mortgage Partner 888-955-8508 and ask for Jay Delmont (NMLS# 144185) or send an email to HowardCountyEd@freedmont.com. Make sure that you mention that you are a Howard County Education Federal Credit Union member.

Save With Sprint, the NOW Network! Why Throw Away Your Money?

Join the 1 million credit union members nationwide that are already saving over $74 million on their wireless plans! Howard County Education Federal Credit Union is pleased to bring our members these major savings through the Sprint Credit Union Member Discount Plan.

Ways You Can Save

10% off most regularly priced Sprint individual service plans 15% off most regularly priced Sprint business service plans Waived activation fee on new activations Waived upgrade Fee Call 877.SAVE.4CU (877.728.3428) and let them know your a credit unon member.

Ask to be a part of the NACUC_Z Corporate ID to Save. Sprint will ask to see verification of your eligibility as a member of the credit union.

Click www.SprintSave4CU.com

Visit your nearest Sprint Store Credit Union Membership Requirements to receive discount Sprint is pleased to offer monthly discounts to credit union members.

To ensure the continued integrity of this program, members must periodically provide documentation to help verify eligibility to receive the discount. New customers are required to fill out a verification form within 14 days of activation. Current credit union customers are required to provide proof of discount eligibility (credit union membership) when upgrading their device if it has been 20+ months since their last validation. The validation process is a very simple one and takes just a few minutes to complete. Verification will help to ensure that members continue to receive the great benefits that Sprint extends to members.

For both new and existing Sprint customers to receive the Sprint Credit Union Member Discount, they must fill out a verification form. To receive the discount, members must complete these important steps:

  1. Confirm discount eligibility by showing proof of their active status as a member * Credit Union check * Unexpired credit union debit/credit card * Current statement of account issued within the last 60 days * Membership card with member’s name
  2. Accept discount program offer and required new two-year Agreement (for current customers only; new customers with a new-line activation and two-year agreement have met this requirement)
  3. To make this process easy, members can visit www.sprint.com/verify, and can select “fax or upload verification”. They will be forwarded to http://mysprint.sprint.com/verify/pages/uploadForm.jsp where they can complete and upload the form and attach their proof right to the site. Members will be automatically reminded if they forgot to include their proof.

Or members can fax the attached form and their proof of eligibility within 14 days of service activation or new discount application to the sprint corporate Accounts Department: 913-523-1987 or toll-free to 877-687-8211 . Once Sprint validates the information, usually within 5 business days, a confirmation email will be sent. If Sprint has questions, they will contact members directly at the wireless number they provide. It takes 1 to 2 billing cycles for them to see the discount on their invoice. Members must ensure the following information is clearly displayed on their proof of eligibility: their name and their credit union’s name. Members should black out completely or delete all confidential information, such as social security number, credit union account numbers, credit card numbers and salary detail.

Sprint is not liable for confidential information that you do not black out or delete. Members will not be considered affiliated with credit union and will not receive any service plan discounts until Sprint receives and validates their Request for Discount and Eligibility form. Sprint is unable to issue retroactive credits.