Financial Literacy | HAR-CO Credit Union

Financial Literacy Presentations

K-12 and all Academic Levels

Presentations are available for all grade levels. We will gladly accommodate grade appropriate financial literacy presentations. Our basic presentations are designed in partnership with HCPS to make sure it truly enhances classroom teaching. 


Starter Savings

Elementary School Students

Ages 0-11

Each time the child makes a $10 (or greater) deposit they will receive a reward from the treasure chest.

$mart Cent$
Money in the Middle

Middle School Students

Ages 12-15

Savers are eligible for a $10 gift card to Amazon® with a minimum deposit of $25.00 per quarter. *Youth CD.

$mart Cent$
Establishing Independence

High School Students

Ages 16-19

Every student can open a free Checking Account. *Youth CD

YOUTH CD (Ages 12-19):

This six month Certificate of Deposit has a 5.00% Rate, 5.12% APY*. $100.00 minimum, $1,00.00 maximum to open.

*One CD per member. APY=Annual Percentage Yield. 6 month fixed rate term ($100 minimum, $1,000 maximum to earn APY). Rate effective as of 12/7/2020. Rates are subject to change without notice. Dividends deposited directly into CD. Fees may reduce earnings. Penalties apply for early withdrawal. Consult a tax advisor for cash equivalent reward. Ask for complete details.


Har-co’s roots go back to 1955 when a group of 8 teachers determined a need for a financial institution for teachers and the education community. Today, Har-co is the newest premiere community credit union. Membership is open to anyone who lives, works, worships, attends school or has immediate family living in Harford County.

Presentations are also available for organizations such as The Boy and Girl Scouts of America, 4-H Clubs, The Boys and Girls Clubs of Harford County as well as church groups. For more information or to schedule a presentation call 410-838-9090. Custom designed presentations are available upon request.

Back to Top