Phone Scam: Be aware of scammers posing as Har-co using our phone number to gain sensitive information. If you receive a call or text, do NOT provide sensitive information. Call us at our published number to report and confirm.
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Award-winning Har-co card

This year, give everyone a gift they want, including yourself, with the Black Har-co card! Earn 2% cash back everywhere you shop and 5% back at local favorites. Easily apply online in minutes and start enjoying the holidays with the Har-co card!

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pick our highest rate CD of 5.25% APY*.

Ignite your savings!

Sit back, warm up, and watch your money grow when you open our limited time 5.25% APY* CD for 10 months! Visit a branch to open this limited-time CD. See full disclosures here.

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Partnered with the best!

Car buying, made easy!

We've partnered with over 20 dealerships in Harford County, making it easy for you to visit those dealerships and complete same-day financing. Want to buy your car somewhere else? Stop here first for a pre-approval you can take to the dealership.

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a warm welcome home.

We're here for your home dreams!

From getting the home of your dreams to increasing the value of your house, our award-winning mortgage experts can help you through every step of the way.

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Fraud alert

Be aware of scammers posing as Har-co using our phone number to gain sensitive information. If you receive a call or text, do NOT provide sensitive information. Call us at our published number to report and confirm. Please watch the video here from our CEO for more information.

Curated solutions for every financial need.

Credit cards

Introducing your pass to Harford County, with the all-new Har-co Card. 5% Cash back on local businesses and 2% on all other purchases.

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Auto Loans

Visit the dealership prepared with a blank pre-approved check. Spend less time haggling at the dealership and more time in your dream car.

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Mortgage

Get the edge in today's market with a one-day pre-approval.
Spend less time closing and more time making memories.

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Commercial Lending

At Har-co, we mean business. You don't work with just any representative. You work with the VP and CEO to ensure your local business thrives.

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Checking accounts

Free checking accounts. Just because we're local to Harford County, doesn't mean you have to withdraw here. Featuring over 32k ATMs across the country!

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Personal Finance Manager

Login to your online banking portal to track and manage all of your finances in one place. Set budgets and goals and learn more about your money.

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Finally, a credit card designed for Harco.

Get rewarded more for shopping local. 5% cash back on select merchants, 2% cash back on all other purchases with the gold card.

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Har-co card

What is your next financial goal?

We know how hard is it to start something new, that’s why we have the perfect plan for you.

student
Students
Open an account &
grow your credit
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business owner
Local business owners
Let us help you grow
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car buyer
Car buyers
We take the haggling out of car buying
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Har-co Online Banking

We're local, but your access to your money is global with our banking app.

Download our app today to check your balances, transfer money, and more. Plus we partner with over 32,000 ATMs!

Explore our neigborhood.

From strolling around Main Street, to spotlighting local organizations, take a look as we explore our neighborhoods.

Strolling Around Main Street Collection

The best local shops and restaurants that Harford County has to offer.

Community Spotlights

Exclusive conversations with local business and community leaders.

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