Howard County Education Federal Credit Union

Howard County Education Federal Credit Union (HCEFCU) is a member-owned financial institution dedicated to serving the financial needs of the Howard County community, including current and retired employees of the Howard County Public School System, MSEA employees, and their immediate families. Operating as a not-for-profit organization, HCEFCU prioritizes returning excess profits to its members through competitive savings rates, lower loan rates, and reduced service fees.

HCEFCU offers a comprehensive range of financial services, including savings accounts, personal and auto loans, and specialized promotions tailored to member needs. Known for high-quality member service, HCEFCU fosters a democratic governance structure where members elect the Board of Directors, ensuring that each member has a voice in credit union operations.

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