Your experience is everything.

Har-co Credit Union is built on the foundation of delivering a strong member focused experience.
View our pledge here.

Who we are.

Har-co is  a credit union serving all of Harford County. Membership is open to anyone who lives, works, worships, attends school or has immediate family living in Harford County.

We were founded in 1955 originally as an educational credit union serving the needs the educators and students of Harford County Public Schools. In 2018, we expanded to offer our services to the entire community of Harford County.

What is a credit union?

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, 2021

How to become a member.

Membership unlocks low rates and great experiences, but how do you become a member? You just need to live, work, worship, attend school or have immediate family living in Harford County. If you fit those, simply open a $5 savings account and you can take advantage of all our great products - from leading cash back cards to low rate loans.

Simply stop into one of our branches and we’ll open your membership.

Our member experience pledge.

Courtesy

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

Positivity

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

Professional

To dress and behave in a professional manner.

Transparency

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

Ownership

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

Teamwork

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

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 and where we're going!

1955

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

1973

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

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.

2001

We reached our 20,000th member.

2018

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

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.

Open positions.

Join the Har-co family!