Business Lending.

Built for Harford County Businesses.
Trusted experts are right around the corner to help your business grow.

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If you are looking to buy or refinance a commercial property, or build one from the ground up, we have the right lending solution for you. We also have the ability to access all eligible Small Business Administration (SBA) programs to further enhance our product offerings to our business membership.

Product Types

  • Owner-Occupied Properties
  • Investor-Owned Properties
  • Commercial Construction
  • SBA 7(a) & 504


When your business needs a vehicle or some equipment, let us help you finance what you need to help your business grow.

Product Types

  • Available for cars, vans, and commercial vehicles
  • Purchases and refinances are both eligible
  • Heavy industrial, manufacturing, and most commercial equipment is eligible


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.

Product Types

  • Working Capital Lines of Credit
  • Equipment Lines of Credit
  • Letters of Credit
  • SBA 7(a) & Express


Introducing our new Business Har-co card! From sales meetings at a local restaurant to everyday supplies, use your Har-co card to help your business grow. It's our card - we service it in house. That's a big deal.

Designed for Harford County Businesses. Built by a Harford County Business

Cash Back

1% paid quarterly as a statement credit

Intro Rate - Purchases

0% APR1 for first 6 months on all purchases

Intro Rate - Balance Transfers2

4.99% APR1 for first 6 months with 3% fee for balance transfers


as low as 9.99% APR3

No Annual Fees or Foreign Transaction Fees

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1. APR = Annual Percentage Rate. Rates quoted are effective September 1, 2021 and 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. 3. Actual rate based on creditworthiness. This APR will vary with the market based on the Prime Rate.

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