Promotions
Limited-time rates, rewards, and member perks.
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.
Check Rates
Here are today’s rates at a glance.
Apply for a Personal Loan
Subject to credit approval. Rates and terms may change.
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 use the APP. If you need assistance just give us a call and we can walk you through the process.
Download the App
Download our app on the App or Google Play Store.
Term Share Certificate Offering
Call the Credit Union for type and rate – Minimum initial deposit $1,000.00. Penalty will apply for early withdrawal.
Home Improvement Loan
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.
Check Rates
Here are today’s rates at a glance.
Apply for a Home Improvement Loan
Subject to credit approval. Rates and terms may change.
New Beginnings Auto Loan available
Up to $20,000 at a rate of 16.49% APR for a payment period of 60 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 2019 models or newer. No down payment required.
Check Rates
Here are today’s rates at a glance.
Apply for an Auto Loan
Subject to credit approval. Rates and terms may change.