HOWARD COUNTY SCHOOL EM is an NCUA-insured credit union located in Kokomo, IN. New auto loan rates from 4.00% APR. Google rating: 4.3 out of 5 from 13 reviews.

Howard County School Em

105 W Southway Blvd, Kokomo, IN 46902

NCUA Insured4.3 (13 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1964

Contact this credit union directly for detailed information about membership eligibility and current rates.

Membership Eligibility

This credit union serves members from multiple groups — including occupational, associational, or community bonds. Contact them to confirm your eligibility.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

1 charter

Established in 1964

Low-Income Designated

Contact this credit union directly for detailed information about membership eligibility, current rates, and services.

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness Loans

Location & Directions

Address

105 W Southway Blvd

Kokomo, IN 46902

Google Maps 🗺Waze

(765) 453-6688

Service Area

This credit union is located in Kokomo and serves members in the IN area. Currently serving 2,435 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q1 2026 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Why this matters

These metrics show how well the credit union manages money and risk. A financially healthy credit union is more stable and better positioned to offer competitive rates to members.

Source: NCUA Federally Insured Credit Unions list, Q1 2026.

Loan Rates

Rates sourced from NCUA call report data (Q1 2026). Contact the credit union for current rates and terms.

New Auto Loan

4.00%

Used Auto Loan

6.50%

Personal Loan

9.00%

Important: Rates are sourced from NCUA call report filings (Q1 2026) and reflect weighted averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in IN

Lowest rates currently reported by credit unions in IN (NCUA Q1 2026).

Everwise— New Auto Loan

South Bend, IN

2.39%

Family Horizons— Used Auto Loan

Indianapolis, IN

3.40%

Hobart Ind School Employees— Personal Loan

Hobart, IN

4.00%

Power One— Credit Card APR

Fort Wayne, IN

6.90%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(1 total)

Compare Rates in Kokomo

See how HOWARD COUNTY SCHOOL EM stacks up against other credit unions nearby — sorted by lowest APR.

Best Car Loan Rates in Kokomo →Best Personal Loan Rates in Kokomo →Best Credit Card Rates in Kokomo →All Credit Unions in Kokomo →

Member Reviews

4.3

13 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps

Krista Barber

2 years ago

The owner is very rude!!!!! Threatened to tow cars because we were at our childrens mothers day get together!!!! They were not even opened yet!!!!! When I went to ask him why he was so rude he slammed the door in my face!!!! Would not recommend being apart of a business who is very rude for no reason!!!

Charlene Heinzman

2 years ago

This is the best place to bank! They make everything so easy, they are friendly, and they handle everything quickly and professionally. If you qualify to be a member, you should be one!

Marcia Collins

6 years ago

Have done business here for so many years. We have always been treated in a friendly considerate manner. If you work at one of our county schools this is the place you should belong.

JOEY BURWELL

9 years ago

We have been members for 40 years, I can't say enough about the people and services they offer. Head and shoulders above the rest of the banks and credit unions.