Credit union · NCUA insured
Howard County Education Federal Credit Union Auto Loan Rates
Howard County Education Federal Credit Union auto loans start at 6.49% APR for a new vehicle and 5.99% for a used one. Rates checked October 22, 2026.
How Howard County Education Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Baltimore, MD, where Howard County Education Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Howard County Education Federal Credit Union
6.49%APR
- Terms
- up to 72 months
- Discount
- None included
New & Used Vehicle Loans
Lowest rate
LM Federal Credit Union
4.24%APR
- Terms
- 49–60 months
- Discount
- Included in the rate
2nd-lowest rate
POCU of Maryland
4.29%APR
- Terms
- up to 72 months
- Discount
- None included
Howard County Education Federal Credit Union auto loan score
66
Auto loan score
Higher than 17% of U.S. banks and credit unions
- New vehicleNew6.49%
- Used vehicleUsed5.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Howard County Education Federal Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
ENTERPRISE & Howard County Education FCU
Financing for Enterprise Car Sales purchases. Be sure to mention you are an HCE Credit Union member. Enterprise offers 109-point inspection, 7-day re-purchase agreement, 12-month/12,000-mile limited powertrain warranty, free CARFAX report, 12-month roadside assistance, and trade-ins accepted.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.99% | 2021 - 2026 Models; $19.56 monthly payment per $1,000 |
New & Used Vehicle Loans
Restrictions apply and not all applicants are guaranteed to qualify. Used Vehicles must be 2021 models or newer. No down payments required on any auto loans.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 6.49% | All New Vehicles; $19.80 monthly payment per $1,000 |
| up to 72 months | 6.49% | All New Vehicles; $17.04 monthly payment per $1,000 |
New Beginnings Auto Loan
Member must have at least 6 months good payment history with a New Beginnings Auto Loan or be a HCE credit union member for 6 months in good standing. Payment must be made through payroll deduction or ACH. The monthly payment per $1,000 does not reflect Life or Disability Insurance or GAP Insurance costs. Used vehicles must be 2021 models or newer.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 16.49% | No older than 2021 Models; $24.32 monthly payment per $1,000; payment via payroll deduction or ACH |
Who can join Howard County Education Federal Credit Union
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.
Membership information collected October 4, 2026.