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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Account Information Up to Date


Address Change Form


If any of your personal information changes, such as address, last name, employment, phone numbers or email address, please notify the credit union in writing, so that we can continue to provide prompt and efficient service to you, our valued members.

Branding ID of Credit Union

Moving from HCTA Federal Credit Union to Howard County Education Federal Credit Union

In December 2011, the HCTA Federal Credit Union petitioned NCUA to expand our charter from a Single Common Bond Charter to a Multiple Common Bond Charter.  This allows us to offer membership to other entities in Howard County who are in some way affiliated with schools.  Our first new membership group was the High School Students of HCPSS, beginning January 2012.

Our name HCTA FCU which originally stood for Howard County Teachers Association Federal Credit Union, and more recently was referred to only as HCTA (standing for really nothing) had become outdated and confusing.  We wanted the name of the CU to reflect our new membership opportunities and be easily recognizable.  After looking at a number of options the Brand ID Committee chose Howard County Education Federal Credit Union.  It was simple and to the point.  It encompassed all of the groups that we are eligible to bring in without exclusions.

The logo design of the little Bee came from a contest that we had run to name our new Online banking product.  The “Bee OnTime” was chosen and we designed a little bee with a clock, named Sheila Bee (after the contest winner) as our Bee OnTime logo.  When we rolled out the Mobile Banking, we chose to use Sheila Bee again with a smart phone for the Bee Linked logo.  Since we had already been using the Sheila Bee icon for two of our products it made sense to expand the process to include the honeycomb for the overall logo design.  As the icon for the CU Sheila Bee is holding cash.

The Honeycomb design brings the theme together.  The honeycomb signifies the place where riches (honey for bees, money for members) are stored and grow for the future.  It signifies home, safety, security, protection and community.  We felt that exemplified the concept of the credit union. The honeycomb design is also in the shape of an “E” to reflect the word Education in our name.

The colors we chose to use are gold and green. 
Gold: the color of honey and the color of gold coins; reflecting the words – savings, building the future  and security
Green: the color of plants and the color of money; reflecting the words – future, growth and savings


We Want You to Know:  Howard County Education Federal Credit Union respects the privacy of its members.  Protecting the privacy of your personal information, along with your financial assets, is at the core of our business.  It is our priority to protect your information in every way in which we interact with you, whether it be in a branch, over the telephone, by mail, or online through the Internet.  We exercise great care in safeguarding your information in our business dealings with our affiliates and other companies.  We value your trust and recognize that the confidentiality of your personal information is one of our most important responsibilities.

How We Protect Your Information:  Our employees are trained on the necessity of maintaining the confidentiality of your information.  We limit access to personal information about you to those employees who need to know that information to provide products and services to you, maintain your accounts, and conduct business.

We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard against unauthorized access to your personal information.  These measures apply to internal access, as well as to information shared with our affiliates and other companies with whom we do business.

What You Can Do to Help Protect Your Privacy:  Howard County Education Federal Credit Union is committed to protecting your personal financial information.  You can help by following these simple guidelines:

Protect your account numbers, card numbers, PINs, and passwords.  Never keep your PIN with your Debit/ATM card.  It can provide free access to your accounts if your card is lost or stolen.

Use caution when disclosing your account number, Social Security number, or other basic information to other persons.

BEWARE:  If someone calls you and says that they are calling on behalf of Howard County Education Federal Credit Union and asks for your account number, DO NOT give it to them.  Officials and staff of your credit union already have access to your information and will not need to ask for it.  If this should happen please notify us immediately so that we are aware of the fact that someone is impersonating a Howard County Education FCU employee.  Call us at 410 461-2257.

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.