Howard County Education Federal Credit Union

(formerly HCTA Federal Credit Union)

3458 Ellicott Center Drive, Suite 106

Ellicott City, MD  21043

Phone:  410-461-2257        FAX 410-461-4691      

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Office Hours


9:00 AM - 5:00 PM

Monday - Friday

Requests for share withdrawals must be made 15 minutes prior to the close of the business day.

Labor Day Holiday
Monday, Sept 1
Credit Union Office will be Closed.



Address changes must be made in writing with a member signature. Click on the link below for our change form and mail, fax or drop off your changes so we can keep your account current.

Member Address Change Form

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Check out our new $1500  Back to School Loan and our 30 Mortgages!

 Security Upgrades Provides Quicker Responses

          As part of our continuing effort to bring the best technology and service to your members, we at HCE FCU are upgrading our Fraud Detection and Notification System.  The new system will provide more immediate attention to notify our members faster when fraud is suspected.  The notification portion of the system includes a state of the art automated assistant to help our members review transactions and confirm their spending activity on their ATM/Debit cards.

If you receive a notification call from our automated assistant, who we have nick named Jill, please work with her to answer questions regarding recent card activity.  Please also be aware that our Card Member Security team that provides fraud alert management is available 24 hours per day, 7 days per week should you need assistance from a live agent.

If suspicious transactions are identified as fraudulent, calls will be transferred to our outstanding member support team at Card Member Security to help you take the necessary precautions to protect your cards and related accounts.  If the recent activity is legitimate, members will be able to  close the case with the phone attendant using their touch-tone phone.

Thank you for your support through this upgrade and, as always, thank you for being a member of  Howard County Education Federal Credit Union.

The Credit Union Difference
Unlike other financial institutions, credit unions are owned by its members.  The Board of Directors are

democratically elected from among the members, and each member is entitled to one vote -- regardless

of the amount of deposits with the Credit Union.  Credit unions are not-for-profit and there are no outside

 stockholders.  That means all excess profits are returned to the members in the form of higher savings

rates, lower loan rates and lower fees for services than most other financial institutions.  Credit unions

 are well noted for the high level of service provided to their members -- and Howard County Education

 FCU is no exception!


Howard County Education FCU offers a wide variety of services, designed with you in mind.  From savings

and certificates to personal and auto loans, you'll find your credit union a great place to take care of most

of your financial needs.


Exciting New Eligibility Expansion

Brings Membership Opportunities


    For the first time in the history of Howard County Education FCU (formerly HCTA FCU) we

have expanded our Charter from a Single Common Bond to a Multiple Common Bond.  The

bond charter amendment approved by the Board of Directors at the December 2011 meeting

allows the credit union to begin expanding membership to associated groups of the Howard

County Public School System. 

    The first new group, as approved by NCUA, is all high school students in the Howard County

Public School System. High School students may open an account as the primary account

holder with a HCPSS student ID, and a parent or legal guardian as a joint-owner on the

account.  Once the student has become a member, their immediate family members are also

eligible to join.   All current HCPSS High School students are eligible.

    If you know of an organization or associated group who serves HCPSS and might wish to

become a member organization of the Credit Union, please have them contact Janet Oursler.

Board of Directors                         Supervisory Committee

Mario Williams        President            

Ruth Dorsey           Vice President       Chairperson                            

Kathy Owens-Wyatt Treasurer             Kathleen Agans       410 313-7193

Kimberly Clare          Secretary           Cherylene Beck       410 313-6714

Kathleen Agans                                Tricia Murphy           410 313-6648

Larry (Rick) Dorsey

Vivian Kelly

Melodee Phillips

Julian Katz

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and ask us to put you on the emailing list.  Don't miss another edition!

Important Information for HCTA ATM/Debit Card Users

Card Renewals

If your ATM/Debit Card is up for renewal, watch your mail for your card.  Be sure to activate your new

card by calling the number on the sticker on the card and destroy the old card securely.  Your PIN will

stay the same.

ATM/Debit Funds Availability

Deposits to your "21" Share Draft Account are available the next business day after 2:00 PM.

24/7 Hot Card Service for lost or stolen ATM/Debit Cards

Local:  1 888-241-2510
Out of Country:  collect  909-941-1398


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 The National Credit Union Administration (NCUA) is the federal agency that charters and supervises federal credit unions and insures savings in federal and most stae-chartered credit unions across the county through the National Credit Union Share Insurance Fund (NCUSIF), a federal fund backed by the full faith and credit of the United States government.

Links to 3rd Party Websites

When accessing any third party content within, or through, the Howard County Education

Federal Credit Union website, we encourage you to review the privacy policy and security

offered on that site before providing any personal information.  Howard County Education

Federal Credit Union does not guarantee or assume liability for any third party product or

service obtained through our website.  Howard County Education Federal Credit Union does

not represent either the third party or the member if the two enter into a transaction.

In the market for a great used car?  Check the inventory at .

 The Credit Union usually follows the closings of the HCPSS Central Office.  In the event of inclement weather please call the office before visiting the Credit Union. The safety of our members and our staff are our highest priority.
  • Quick Publish
  • Advanced OpThe Credit Union usually follows the closings of the HCPSS Central Office.  In the event of inclement weather please call the office before visiting the Credit Union. The safety of our members and our staff are our highest p