Credit union · NCUA insured
Howard County Education Federal Credit Union
A $25.2M credit union headquartered in Ellicott City, MD, with 3,906 members and 1 branch in Maryland.
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Howard County Education Federal Credit Union
Howard County Education Federal Credit Union is a member-owned, not-for-profit financial institution headquartered in Ellicott City, Maryland.
Originally known as Howard County Teachers Association Federal Credit Union (HCTA FCU), it expanded its charter to a multiple common bond in December 2011.
- Headquarters
- 3458 Ellicott Center Dr Ste 106, Ellicott City, MD 21043-4178
- NCUA charter
- 8642
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of HC Head Start are eligible for membership.
- Affiliates/members of Howard County Conservancy are eligible for membership.
- Employees of MSEA are eligible for membership.
Military, government and schools
- Employees of Glenelg Country School are eligible for membership.
- Current and retired employees of the Howard County Public School System are eligible for membership.
- Current HCPSS high school students are eligible for membership.
1 more way to join
Family and household
- Immediate family of members are eligible to join.
Branches
1 branch in Maryland
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Maryland
1 branch
- Howard County Education Federal Credit UnionMain office3458 Ellicott Center Dr Ste 106, Ellicott City, MD 21043Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 11.14% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 2.76% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.79% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $69 | $59 | — |
- CapitalNet worth ratio11.14%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late2.76%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.79%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$69Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Howard County Education Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.