The HCTA Federal Credit Union serves Howard County Department of Education Employees, Maryland Department of Education Employees, Howard County Head Start Employees, MSEA Employees and immediate family members. This bank is a nonprofit institution, which elects members to make decisions for the well-being of its customers. A bi-monthly e-mail newsletter is sent out to keep bankers informed and up to date on any decisions the board makes. The HCTA offers online banking, auto loans, personal loans and vacation loans among many other services.