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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.

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.

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!

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.

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.

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.

Apply Online
Har-co card

What is your next financial goal?

We're here to help grow together.

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.