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.