You did a smart thing when you opened a Howard University Employees Federal Credit Union share account. But did you take the next step? That would be to allocate a percentage of your pay to be automatically deposited to your account. That is called payroll deduction‚ and it is the easiest and fastest way to build up your savings. Talk to us about payroll deduction the next time you visit the credit union. We promise you—your share account will never be the same.