Bank with the credit union that puts Harford County, first.

As Harford County’s exclusive credit union, we exist for one purpose—supporting the people who live and work right here at home. Har-co Credit Union is a full service, not-for-profit financial instituion.

We’re committed to delivering an exceptional member experience while providing the best savings, loan, and spending accounts for our members. Start your membership with a savings account.

Start with a savings account

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

All of Harford County is eligble to join.

Becoming a member is simple—and comes with great benefits. If you live, work, worship, attend school, or have immediate family in Harford County, you’re eligible to join. Just open a $5 savings account and enjoy access to our low rates, award winning credit cards, exclusive youth programs and more!

To apply, you'll need to open a savings account online or in-branch.

Be sure you have your US Government-issued ID, Driver’s License, State ID, Military ID, or Passport with current address

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

Start with a savings account

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

Membership has its Benefits.

Being a member of Har-co Credit Union unlocks benefits to other partner companies. Enjoy discounts, free plans, and more just by being a member of Har-co Credit Union!

Har-co Black Credit Card BenefitsHar-co Black Credit Card Benefits
Travlers Insurance Discount

We partnered with the best insurance agency in Bel Air!

As a member of Har-co Credit Union, you qualify for a discounted personal insurance from Travelers Insurance, through their award-winning Benefits Plus program.

Fuller & Associates is waiting to tailor your insurance to meet your personal needs. They can help you with automobile, home, renters, condo, umbrella, boat and jewelry coverage.

Learn more

Note: You leaving the Har-co website

Har-co Silver Credit Card Benefits
Greenlight for Free!

Join 6+ million families as you teach your kids to earn, save, and spend wisely with a Greenlight debit card - free for Har-co Credit Union members!

  • Money management
    Send money instantly, set flexible controls, and get real-time notifications.
  • Chores and allowance
    Assign chores and automate allowance - with the option to connect payouts to chore progress.
  • Savings goals
    Set savings goals for what your kids really want - and reach them together.
  • Financial literacy game
    ‍    Kids play Greenlight Level UpTM, the game that makes money concepts easy to understand and fun to learn.
Open online

Note: You leaving the Har-co website

Har-co Student Credit Card Benefits
5% Back at Local Favorites!

Our exclusive credit card rewards you for shopping local. In addition to everyday cash back, earn 5% cash back at local favorites including the following:

  • Arena Club
  • Barrett's on the Pike
  • Charm City Run
  • Harford Vineyard ‍
  • Independant Brewery‍
  • Magerks Pub & Grill‍
  • The Mill
  • Music Land
  • New German Performance
  • Vagabond
Apply online
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