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Springboard their credit.

Graduation season is getting close! With the Student Advantage card, build credit and earn cash back! 5% cash back at Amazon®*, Doordash®*, and college bookstores, plus 1% on all other purchases. Enjoy 0% APR* on new purchases for the first 6 months.  No credit required. Easily apply online to start your journey.

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Credit cards

Up to 5% Cash back on local businesses and 2% on all other purchases with the Har-co card.

Apply for a credit card
Checking accounts

Free checking accounts. Access your money anywhere with over 32k ATMs across the country!

Open account
Auto Loans

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

Apply for an auto loan
Mortgage

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

Apply for a mortgage
Commercial Lending

At Har-co, we mean business. You'll work with the VP and CEO to ensure your local business thrives.

Speak with an expert
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.

Start investing
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Locally connected. Personally invested.
For all of Harford County.

Fraud awareness

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.

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
Build your credit through our Student Advantage card
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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!