Harford County's financial instituion.

We're not like corporate banks or outdated credit unions. We're here to provide everyone in Harford County with exceptional experiences through innovative and class-leading solutions to help you, our neighbors, grow financially.

Our Story.

Har-co Credit Union was founded in 1955 by school teachers in a little white house on Hickory Avenue - exclusively serving the needs of educators and students of Harford County Public Schools. In 2018, we expanded to offer our services to the entire community of Harford County.

From that humble start, we have grown to offer the most innovative and customized financial solutions for Harford County - from our award winning credit card lineup to our high yield deposit products to our class leading youth accounts. To become a member, you need to live, work, attend school/church or have immediate family in Harford County, MD. If you meet that criteria, simply open a savings with a minimum of $5 to become a member.

Our Member Experience Pledge.

Courtesy

To be courteous and kind, treating everyone in an open, fair and helpful manner.

Transparency

To tell the truth in every communication that we have, delivering it in the most respectful manner possible.

Positivity

To be alert and attentive throughout the workday and maintain a positive, optimistic attitude.

Professionalism

To dress and behave in a professional manner.

Teamwork

To take ownership and follow through to resolve member concerns in a timely manner and not simply “pass the buck”.

Ownership

To treat members with respect and professionalism, ensuring the highest quality service.

Collaboration

To collaborate with, support, encourage and value our colleagues in these efforts to deliver great member experiences.

Accommodation

To make the extra effort to accommodate requests, only saying “NO” as a last resort.

Where we've been.

1955 - 1985

Founded the credit union. The mission was simple - we're created to serve the education community. Our first meeting was in Aberdeen High School.

Har-co set up shop in the "little white house." Herbie the parrot became our official mascot.

1986 - 2018

1986 -  Constructed the Bel Air branch right behind the Armory where we are headquartered today.

1999 - Built the Abingdon and Aberdeen branches to expand our services throughout Harford County. We held a fall festival to commemorate the event.

2017 - Expanded our services from just educators and students to  all who live, work, worship, or attend school in Harford County.

2018 - today

2019 - Our new CEO - Gilbert Kennedy III joined Har-co. His main initiative is to put the member experience at the forefront of everything.

2021 - Through pairing technology with marketing and data, we launched a new credit card dedicated to Harford County, a new website to enhance the experience, and curated solutions tailored to our members.

2023 - We launched a new online platform for members to apply for a loan product and for non-members to apply for memberships and loans. Our goal is to meet our members where they are.

2024/25 - We created a youth program for kids of all ages, from birth to college, to help them save and learn about finances, called Growing Up Har-co. This includes the Student Advantage card focused towards helping students build credit and the Greenlight partnership

How is a credit union different than a bank?

Credit unions are financial institutions, like banks, except the members own the credit union. They are nonprofit entities that aim to serve their members rather than seeking to earn a profit. Credit unions often offer better savings rates, lower loan rates and reduced fees because of this.

Source: Credit Karma, 2023

Meet the Board of Directors.

Blaise Sedney
Board Member, Chairman
Lawrence Dukes
Board Member, Vice Chairman
Eric Rebbert
Board Member, Secretary
Dr. Austin J. Hill
Board Member, Treasurer
Steven Johnson
Board Member
Thorkild Paaby Jr.
Board Member
Charles Wellington
Board Member
David Jones
Supervisory Chairman
Cynthia Hauf
Supervisory Member
Joan Hurley
Supervisory Member
Thomas J Weir
Supervisory Member

Open positions.

Join the Har-co family!