Protecting Our Community One Member at a Time

Your money is safely insured by the National Credit Union Share Insurance Fund (NCUSIF), an arm of the National Credit Union Association (NCUA). Har-co is backed by the full faith and credit of the U.S. government. NCUSIF insures the accounts of millions of account holders in all federal credit unions. Share insurance coverage offered through the NCUSIF protects members against losses if a federally insured credit union should fail. The NCUSIF provides all members of federally insured credit union with $250,000 in coverage for their individual account. These accounts include regular shares, share drafts (checking), money market accounts, and share certificates.

Not one penny of insured savings has ever been lost by a member of a federally insured credit union.

For information concerning your insured funds or insured credit union, please visit

Protecting the personal information of our individual members is something Har-co Credit Union takes very seriously. While information is the cornerstone of our ability to provide service excellence, our most important asset is our members' trust. Keeping your information secure and using it only as you would want us to, is a top priority for all of us at Har-co. We will safeguard, according to strict standards of security and confidentiality, any information you share with us. We maintain physical, electronic, and procedural safeguards that comply with federal regulations and leading industry practices to safeguard your non-public information.

Visit our Privacy Policy for more information.

REMINDER: Har-co wants you to remember that we will NEVER send an email, text or phone message asking for account, plastic card or personal information. Should you receive a request for this information, DO NOT RESPOND.Report it to Har-co immediately so that the proper authorities can be notified.

Help Har-co Credit Union protect you, your identity and your accounts.

Due to the ever-increasing threats of identity theft and fraud both nationally and in Harford County, Har-co has upgraded our levels of security for your protection. Please stop by one of our branch locations to update your security information with us. You should note that we may deny your service requests via the telephone if this information is not on file with us.  If you suspect that you are a victim of identity theft, go to and complete an identity theft report.

Fraud alert

Be aware of scammers posing as Har-co using our phone number to gain sensitive information. If you receive a call or text, do NOT provide sensitive information. Call us at our published number to report and confirm. Please watch the video here from our CEO for more information.

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