Share Account Rates and Service Fees
| Share Account | 0.40% | 0.401% |
| IRA Share Account | 0.40% | 0.401% |
| Term Share Certificate | Call for Current Rate | ** |
Personal/Signature Loans
Until further notice, the following Personal/Signature rates will be in effect according to the following terms:
| Share Account | 0.40% | 0.401% |
| IRA Share Account | 0.40% | 0.401% |
| Term Share Certificate | Call for Current Rate | ** |
| Platinum Loan ($10,001 - $20,000) | 10.99% | $21.74 | Up to 5 Years |
| Must have an Equifax credit score of 680+ |
| No Credit Loan | $1,200 | 15.00% | 3.500% | 12 Months |
| For those with no credit history |
| Honey Pot Money Loan | $500 | 13.90% | $103.52 | 5 Months |
– applicants for this loan option may only be approved for this loan once during a 12 month period
– credit history will not deter an applicant from being approved
– debit to income ratio to be no more than 50% required
– available after April 1, 2021
Other Personal Loans
Existing loans with Howard County Education FCU are not eligible to be refinanced through Howard County Education FCU. Rates Effective 8/1/2022 and are subject to change without notice.
| Vacation Loan* | $1,001 - $6,000 | 10.99% | $38.28 | Up to 30 months |
| Vacation Loan* | $1,001 - $6,000 | 12.99% | $39.23 | Up to 30 months |
| Vacation Loan* | $1,001 - $6,000 | 13.99% | $39.70 | Up to 30 months |
| Back to School | $1,500 | 9.99% | $87.93 | 12 Months |
| Home Improvements** | Up to $10,000 | 10.99% | $25.85 | 48 Months |
| Tuition | Up to $10,000 | 8.50% | $24.65 | 12 Months |
| *Now available year round | ||||
| **Must have an Equifax score of 680+ |
*Now available year round
**Must have an Equifax score of 680+
New Beginnings Loans
| New Beginnings* | $1,200 | 17.99% | $91.65 | 12 months |
| Second Beginnings** | $1,800 | 16.99% | $63.31 | 18 months |
| New Begginings Auto*** | Up to $20,000 | 16.49% | $24.32 | 60 months |
*Payments must be made through payroll deductions or ACH. Beginning August 1, 2018 you must be a member of the credit union for at least 6 months to apply for the New Beginnings Loan
**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.
***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 2019 and newer only.
New & Used Vehicle Loans
| All New Vehicles | 6.49% | $19.80 | Up to 60 Months |
| All New Vehicles | 6.49% | $17.04 | Up to 72 Months |
| 2020 Models | 6.49% | $19.80 | Up to 60 Months |
| 2021 - 2024 Models Only | 6.49% | $17.04 | Up to 72 Months |
Restrictions apply and not all applicants are guaranteed to qualify.
Used Vehicles must be 2020 models or newer.
No down payments required on any auto loans.
New Auto Loan Deferment Product
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.
New Beginnings Auto Loan
| No older than 2020 Models | $20,000 | 16.49% | $24.32 | Up to 60 Months |
Member must have at least 6 months good payment history with a New Beginnings Auto Loan or be a HCE credit union member for 6 months in good standing. Payment must be made through payroll deduction or ACH.
APR – Annual Percentage Rate
Note: Rates may change without notice.
The monthly payment per $1,000 does not reflect Life or Disability Insurance or GAP Insurance costs.
Used vehicles must be 2020 models or newer.
ENTERPRISE & Howard County Education FCU
Get behind the wheel on a great deal!
Call to get Pre-Approved by Howard County Education Federal Credit Union, then stop by the Glen Burnie or Ellicott City Enterprise Car Sales to see a great selection of quality used vehicles. Be sure to mention that your are an HCE Credit Union member!
| 2020 - 2024 Models | $15k or over | 5.99% | $19.56 | Up to 60 Months |
Shop 24/7 at Enterprise Car Sales to browse availability!
Search their online inventory of over 5,000 vehicles nationwide and find deals in your area. Vehicles are added every day. Don’t see exactly the car you want?
Call 410-593-3078 and let ENTERPRISE do the work for you.
Glen Burnie, 7118 Ritchie Highway, Glen Burnie, MD 210161
Monday – Friday 9 am – 7 pm Saturday 10 am – 5 pm
Ellicott City, 8594 Baltimore National Pike Ellicott City, MD 21043 – Phone: 677-200-1373
NO HAGGLE PRICING The price you see is the price you pay! All vehicles are offered at unbelievably low prices.
VEHICLE CERTIFICATION For your assurance and satisfaction, each vehicle goes through a rigorous 109-point inspection by an ASE-Certified Technician.
7-DAY RE-PURCHASE AGREEMENT If you change your mind, Enterprise will buy it back, no questions asked. (restrictions apply)
12/12 LIMITED POWERTRAIN WARRANTY Every Enterprise used vehicle is backed with a 12 month/ 12,000 mile limited powertrain warranty.
FREE CARFAX® REPORTS A free CARFAX® Vehicle History Report™ is available for every vehicle Enterprise sells.
12-MONTH ROADSIDE ASSISTANCE Flat tire? Lost key? Out of Gas? No problem! Your used car purchase includes Enterprise’s one-year unlimited mileage roadside assistance program. Enterprise 12 Month Unlimited Mileage Roadside Assistance Package is provided by the American Automobile Association (AAA) and its affiliated clubs in the United States and Canada.
TRADE-INS WELCOME Enterprise gladly accepts your trade-in. Even if you don’t buy a car, they will gladly buy yours.