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 use the APP.  If you need assistance just give us a call and we can walk you through the process.

Term Share Certificate Offering

Call the Credit Union for type and rate – Minimum initial deposit $1,000.00. Penalty will apply for early withdrawal.


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 $20,000 at a rate of 15.99%  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.