Howard County Education

3458 Ellicott Center Dr Ste 106, Ellicott City, MD 21043

NCUA Insured4.6 (20 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1953

Contact this credit union directly for detailed information about membership eligibility and current rates.

Membership Eligibility

Anyone who lives, works, or worships in or around Ellicott City, MD may be eligible to join. Community credit unions are open to the general public within their service area.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

1 charter

Established in 1953

Contact this credit union directly for detailed information about membership eligibility, current rates, and services.

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness Loans

Location & Directions

Address

3458 Ellicott Center Dr Ste 106

Ellicott City, MD 21043

Google Maps 🗺Waze

(410) 461-4672

Service Area

This credit union is located in Ellicott City and serves members in the MD area. Currently serving 3,891 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

6.49%

Used Auto Loan

6.49%

Personal Loan

10.99%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in MD

Lowest rates currently reported by credit unions in MD (NCUA Q4 2025).

Signal Financial— New Auto Loan

Kensington, MD

1.74%

Signal Financial— Used Auto Loan

Kensington, MD

2.24%

Capital Area Taiwanese— Personal Loan

Rockville, MD

6.00%

Municipal Empl.Credit Union of Balt— Credit Card APR

Baltimore, MD

1.99%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(1 total)

Member Reviews

4.6

20 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps

Valencia Porter

3 months ago

Excellent credit union. Very friendly customer service.

Malcolm Washington

4 years ago

Generally good credit union. With that being said, please go back to normal hours. Now that teachers are back in school full time, it’s unreasonable to expect that we could make it there by 1pm.

Yvette Caldwell

10 months ago

Have always been there for me in my needs for years. They will never get have me leave them.

Taylor Bruner

12 years ago

Thank you for looking for HCTA. Please note that our name has changed to Howard County Education federa Credit Union and our hours of opperation are not as listed on this information. the CORRECT hours for this credit union are Mon- Fri 9-5pm. e are working to correct the information listed. -Taylor Bruner, Summer Intern

Roger Evans

7 years ago

The person in charge of loan intake was very condescending and not welcoming at all. Would not recommend. She read our loan payment history out loud to everyone there.