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live the local life.

Award-winning Har-co card

Say hello to the only credit card you'll ever need. 5% cash back at local favorites and up to 2% everywhere else. Plus, low rates only offered by credit unions. Some banks ask what's in your wallet - we know what should be.

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Become a member
Your car, your terms.

Express Check

Skip the dealership haggle. Come to us before the dealership to get your 'Express Check' blank check that you can bring to the dealership. No need to buy the extra floor mats or super paint protectors.

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Become a member
Build your dream kitchen.

Low rate HELOCs

Home Equity Lines of Credit or HELOCs allow you to unlock the potential value of your home as a line of credit. A HELOC can be used for just about anything. Unlock the value without refinancing or selling. Especially in today's wild market!

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Become a member
Locally connected.
Personally invested.

Membership, designed for you.

From offering 5% cash back at local Harford County businesses to innovating personal solutions like our PreK-12 loan - our products are designed for you.

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Pay/transfer now
Har-co card
Award winning credit card
Express Check Auto Loan
Bring our blank check to the dealership
Low Rate HELOCs
Build that beautiful backyard
Designed for you
Locally connected. Personally invested.

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.

Apply for a credit card
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.

Apply for a mortgage
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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