Your hometown,
your savings,
your future.

We have savings accounts designed for everyone, from helping your child or grandchild learn the value of a dollar, to teachers looking to save for the summer months. Learn about our curated solutions.

Open an account

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

Save for your future, your way.

Each individual account secured by the NCUA up to $250,000.

Regular Savings
This is your pass to Har-co. A required $5 minimum establishes your membership. Set aside money for that dream vacation, destination wedding, or new car. You can use our app to track your goal.
  • $5 minimum balance
  • No monthly or maintenance charges
  • Online banking with mobile check deposit, Zelle, bill pay and more
Apply online
New Educator Summer Savings
earn 3.00% APY*
Educators - make your money work for you in the summer! Earn 3.00% APY* on balances up to $20,000.
  • $5 minimum balance
  • No monthly or maintenance charges
  • Depending on your payroll amount, your summer savings will be automatically transferred bi-weekly into your checking account in the summer
  • Open to all 10 month employees in education - public or private, Harford County or beyond
  • Member must live, work, or attend school or church in Harford County or have immediate family at Har-co
Apply online
*APY = Annual percentage Yield. $5 - $20,001 will earn 3.00% APY; over $20,001 will earn 0.25% APY. Minimum balance to obtain the stated APY is $5.
Youth Savings - Growing up Har-co
Open a savings to start your child's or grandchild's bright future. We'll give you $10 to get started!
  • $10 on us to get started
  • An extra birthday gift on top of their birthday deposits - When they deposit $25 or more within 30 days of their birthday, we'll deposit $10 in their savings
  • $5 minimum balance
  • Access complementary products like Greenlight and our exclusive 5.00% APY CD!
  • No monthly or maintenance charges
  • No monthly or maintenance charges
  • Online banking with mobile check deposit, Zelle, bill pay and more
Learn more
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Free Greenlight subscription included! Debit card and money app for kids and teens, a $70 value*
Visit greenlight.com/harco to claim your free subscription!