Membership has it's benefits.

We're the only financial institution dedicated solely to Harford County. That's why we want to give back to the community with the best experience and exclusively low rates. We're not your traditional credit union. We are consistently innovating our products to give you the best, from our award winning cash-back credit card, to our completely online lending platform.

A membership is similar to a primary account at traditional banks. Simply open up a savings and you become a member of Har-co Credit Union, able to access our great loan and deposit products.

Apply today

Note: You will be directed to the application site and leaving the Har-co site.

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.
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Source: Credit Karma, 2021