Let our experts help you grow.

We have decades of experience helping small businesses grow in Harford County and beyond. We're right around the corner to get you the right solution for you to meet your business' demands - now and later.

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Explore our business products.

Line of Credit
When you need an injection of working capital to navigate the cash flow cycle, a line of credit is a great solution. If you buy equipment regularly and would like the ability to buy without applying for each purchase, an equipment line of credit suits your needs. We have the capability to help you manage your business growth and payment cycle with flexible terms.
Features and Terms
  • Working capital lines of credit
  • Equipment lines of credit
  • Letters of credit
  • SBA 7(a) & Express
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Real Estate & Construction
Designed for those to buying or refinancing commercial properties, or building one from the ground up. We also have the ability to access all eligible Small Business Administration (SBA) programs to further enhance our product offerings to our business membership.
Features and Terms
  • Available for owner-occupied properties or investment properties
  • Commercial construction loans
  • SBA 7(a) & 504 available
Open Account
Business Har-co card
From sales meetings to everyday expenses, use your Har-co card to help your business grow
Features and Terms
  • 5% cash back at The Mill, Barrett's on the Pike, and Party Palace
  • 1% cash back everywhere else
  • Cash back credited quarterly as statement credit
  • 0% APR* for first 6 months on all purchases
  • 10.24% APR* for first 6 months with 3% fee for balance transfers
  • No annual or foreign transaction fees
  • Online and mobile banking with online statements
  • Multiple business account holders allowed
Open Account
* APR = Annual Percentage Rate. Rates quoted are subject to change. 2. Any existing balances on Har-co Credit Union loans or credit card accounts are not eligible for the Introductory APR for Balance Transfers. Actual rate based on creditworthiness. This APR will vary with the market based on the Prime Rate. As low as rate for those with less than or equal to a $25,000 credit limit. Rates will be as low as 18.00% for those borrowing more than $25,000.
Vehicle & Equipment Loans
When your business needs a vehicle or equipment, let us help you finance what you need to help your business grow.
Features and Terms
  • Available for  cars, vans, commercial vehicles and fleets
  • Available for purchases and refinances
  • Heavy industrial, manufacturing, and most commercial equipment is eligible
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‍built by Har-co.

Partner Spotlight.

The warm and Fuzzies of partnering local

The Vecchiolla brothers started a smash burger truck that would take Maryland by storm. From local events throughout Harford and Baltimore County, to one of the hottest spots in Camden Yards. Learn how Har-co Credit Union and Fuzzies Burgers teamed up with a lending solution to make their dream a reality.  

Apply online.

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