All branches will be closed on Monday, January 20, 2025 for Martin Luther King Jr. Day. Please use mobile banking when possible.
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Don't let
debt snowball.

Enjoy your snow days,
consolidate at Har-co.

Snowballs are meant for snow days, not for your debt. Start 2025 off right by transferring all your high interest credit card debts to the Black Har-co card. With no balance transfer fee and 0% APR* for 12 months.

Learn more
View all Credit Cards
a warm welcome home.
The Har-co
Scholarship.

Scholarships are now open!

We're offering four $2500 scholarships! Awarded to qualifying graduating Harford County seniors who plan to enter a college, university, or trade school in the next academic year.

Apply now
Learn more
Prepare for their future.

Exclusive 5.50% APY* CD

Start their financial journey with a Har-co Youth Account! Enjoy a 5.50% APY* CD, $10 on us when opening a new membership, and a $10 birthday gift* to celebrate their special day!

Learn more
Become a member

Fraud awareness

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.

Solving financial needs for all of Harford County.

Credit cards

Introducing your pass to Harford County, with the Black Har-co card. 5% Cash back on local businesses and 2% on all other purchases.

Apply for a credit card
Auto Loans

Visit the dealership prepared with a blank pre-approved check. Spend less time haggling at the dealership and more time in your dream car.

Apply for an auto loan
Mortgage

Get the edge in today's market with a one-day pre-approval.
Spend less time closing and more time making memories.

Apply for a mortgage
Commercial Lending

At Har-co, we mean business. You'll work with the VP and CEO to ensure your local business thrives.

Speak with an expert
Checking accounts

Free checking accounts. Access your money anywhere with over 32k ATMs across the country!

Open account
Personal Finance Manager

Login to your online banking portal to track and manage all of your finances in one place. Set budgets and goals and learn more about your money.

Start investing
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What is your next financial goal?

We know how hard is it to start something new, that’s why we have the perfect plan for you.

student
Students
Open an account &
grow your credit
Learn more
business owner
Local business owners
Let us help you grow
Learn more
car buyer
Car buyers
We take the haggling out of car buying
Learn more
Open account
Har-co Online Banking

We're local, but your access to your money is global with our banking app.

Download our app today to check your balances, transfer money, and more. Plus we partner with over 32,000 ATMs!

Explore our neigborhood.

From strolling around Main Street, to spotlighting local organizations, take a look as we explore our neighborhoods.

Strolling Around Main Street Collection

The best local shops and restaurants that Harford County has to offer.

Community Spotlights

Exclusive conversations with local business and community leaders.

See all videos