Get rewarded for supporting local.

Your here because you support some of Harford County's best local businesses. As the only credit union dedicated to Harford County, we don't just say we support shopping local, we reward it.

Our credit card lineup.
no annual fees.
ever.

designed for harco.
built by Har-co.

1. 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. 3 Amazon and Doordash are registered trademarks and are not sponsors of this offer.

Application and Solicitation Disclosure
Credit Card Disclosure and Agreement

Our
5% cash back
local favorites.

Vagabond Sandwich CoThe Arena ClubMagerksCharm City Run Bel AirIndependent Brewing CoHarford Vineyard & WineryHarford Vineyard & WineryHarford Vineyard & WineryHarford Vineyard & WineryHarford Vineyard & Winery
Note: By clicking on a partners logo you will be leaving the Har-co site.

Earning cash back rewards

No confusing rewards program. No separate online portal requiring another password. No need to opt-in to the rewards like Discover®. With the Student Advantage credit card, your cash back will be credited automatically, every quarter. We do all the work, you get your money.

Apply Online
  • January - March: Paid out on April Statement

  • April - June: Paid out on July Statement

  • July - September: Paid out on October Statement

  • October - December:  Paid out on January Statement

Discover® is a registered trademark of Discover Bank