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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live the local life!

Award-winning Har-co card

Earn 5% cash back when using our award-winning Har-co card at select favorite Harford County businesses. You’ll still earn 2% cash back from any of your personal favorite hangouts when using the Black Har-co card.

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Become a member
buy your first home.

First Time Homeowner?

Our award winning mortgage officers can help you get into your first home quick and easy. You may be eligible for up to $15,000 in grants towards your home.

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bank with us anywhere.

Remote banking on your terms

You can keep your membership with you across the country. Our mobile capabilities make it simple to continue banking as normal even if you move away from Harford County. See all the ways mobile banking works best for you.

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Protect against card fraud
thanks to you!

We’re the Best of Harford!

We didn’t win just one category in the 2022 Best of Harford, but two! With your votes, we won Best Bank/Credit Union & Best Mortgage Lender.

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See our products
Har-co card
Award winning credit card
First Time Homeowners
Available grants for your home
Bank anywhere
Remote banking made easy
Thanks to you!
We're the Best of Harford

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.

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.

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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.

Speak with an expert
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!

Open account
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

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're here to help grow together.

Parents
Your student deserves the best. Help them with a K-12 loan.
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Local business owners
Get a flexible loan
to start or grow your business
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Car buyers
Get a blank check from us before you visit the dealership.
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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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