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Membership has it's benefits.

How to become a member.

We're the only financial institution dedicated solely to Harford County. That's why we want to give back to the community with the best experience and exclusively low rates. We're not your traditional credit union. We are consistently innovating our products to give you the best, from our award winning cash-back credit card, to our completely online lending platform.‍‍

Apply today
Note: You will be directed to the application site and leaving the Har-co site.

Membership unlocks low rates and great experiences, but how do you become a member? You just need to live, work, worship, attend school or have immediate family living in Harford County. If you fit those, simply open a $5 savings account and you can take advantage of all our great products - from leading cash back cards to low rate loans. A membership is similar to a primary account at traditional banks.

‍‍Simply stop into one of our branches or apply online above. ‍‍

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.
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Source: Credit Karma, 2021

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Contact us
  • 410.838.9090
  • contactcenter@harcocu.org
  • 30 N. Hickory Ave
    Bel Air, MD 21014
Copyright © 2025 Har-co Credit Union, 30 N. Hickory Avenue, Bel Air, MD 21014
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If you are using a screen reader or other auxiliary aid and are having problems using this website, please call 1-888-427-2628 for assistance.
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Routing Number: 255076892 | NMLS #627401 | 410-838-9090
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