What are the current interest rates at Har-co Credit Union?

Current rates for Har-co Credit Union include: 12-Month CD: 0.12%, 18-Month CD: 0.18%, 24-Month CD: 0.20%, 60-Month CD: 0.60%, Savings: 0.15%, MMA: 0.07%

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Har-co Credit Union

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Har-co Credit Union Rates & Review September 2026

Q: How many branches does Har-co Credit Union operate?

Har-co Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join Har-co Credit Union?

Yes, to access services at Har-co Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Is there a first-time homebuyer program?

Currently, Har-co Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Har-co Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 22, 2026

Har-co Credit Union's 60 Month CD rates are at 0.60%, 48 Month CD rates are at 0.45%, 36 Month CD rates are at 0.30%, 30 Month CD rates are at 0.25%, 24 Month CD rates are at 0.20%. Har-co Credit Union's savings rates are at 0.15%. Har-co Credit Union's money market rates are at 0.07%. Har-co Credit Union's Personal Loan Rates are as low as 5.74%. MonitorBankRates evaluates the financial stability of Har-co Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.63%. Rates last updated and verified on 09/22/2026.

Har-co Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Har-co Credit Union? Share your experience about Har-co Credit Union by leaving a review below, or read customer reviews before you decide to use Har-co Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.63%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Har-co Credit Union
Main Branch

30 N Hickory Ave
Bel Air, MD 21014-3249

https://www.harcocu.org

Har-co Credit Union CD Rates

Product	Rate	APY	Term
60 Month CD	-	0.60%	60 Months
Min Deposit $500 Details Rates effective as of 9/1/2021. Your savings are insured by the National Credit Union Share Insurance Fund up to $250,000 and certain IRA plans are separately insured up to $250,000. Compounding and Crediting: Dividends are compounded and credited monthly. Account earns dividends on the average daily balance. Early Withdrawal Penalty: We may impose a penalty if you withdraw funds from your account before the maturity date. Fees may reduce earnings. For all accounts, the amount of the early withdrawal penalty is based on the term of your account. The penalty schedule is as follows: - Terms of 12 months or greater: 180 days' dividends Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%
48 Month CD	-	0.45%	48 Months
Min Deposit $500 Details Rates effective as of 9/1/2021. Your savings are insured by the National Credit Union Share Insurance Fund up to $250,000 and certain IRA plans are separately insured up to $250,000. Compounding and Crediting: Dividends are compounded and credited monthly. Account earns dividends on the average daily balance. Early Withdrawal Penalty: We may impose a penalty if you withdraw funds from your account before the maturity date. Fees may reduce earnings. For all accounts, the amount of the early withdrawal penalty is based on the term of your account. The penalty schedule is as follows: - Terms of 12 months or greater: 180 days' dividends Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%
36 Month CD	-	0.30%	36 Months
Min Deposit $500 Details Rates effective as of 9/1/2021. Your savings are insured by the National Credit Union Share Insurance Fund up to $250,000 and certain IRA plans are separately insured up to $250,000. Compounding and Crediting: Dividends are compounded and credited monthly. Account earns dividends on the average daily balance. Early Withdrawal Penalty: We may impose a penalty if you withdraw funds from your account before the maturity date. Fees may reduce earnings. For all accounts, the amount of the early withdrawal penalty is based on the term of your account. The penalty schedule is as follows: - Terms of 12 months or greater: 180 days' dividends Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%
30 Month CD	-	0.25%	30 Months
Min Deposit $500 Details Rates effective as of 9/1/2021. Your savings are insured by the National Credit Union Share Insurance Fund up to $250,000 and certain IRA plans are separately insured up to $250,000. Compounding and Crediting: Dividends are compounded and credited monthly. Account earns dividends on the average daily balance. Early Withdrawal Penalty: We may impose a penalty if you withdraw funds from your account before the maturity date. Fees may reduce earnings. For all accounts, the amount of the early withdrawal penalty is based on the term of your account. The penalty schedule is as follows: - Terms of 12 months or greater: 180 days' dividends Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%
24 Month CD	-	0.20%	24 Months
Min Deposit $500 Details Rates effective as of 9/1/2021. Your savings are insured by the National Credit Union Share Insurance Fund up to $250,000 and certain IRA plans are separately insured up to $250,000. Compounding and Crediting: Dividends are compounded and credited monthly. Account earns dividends on the average daily balance. Early Withdrawal Penalty: We may impose a penalty if you withdraw funds from your account before the maturity date. Fees may reduce earnings. For all accounts, the amount of the early withdrawal penalty is based on the term of your account. The penalty schedule is as follows: - Terms of 12 months or greater: 180 days' dividends Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%
18 Month CD	-	0.18%	18 Months
Min Deposit $500 Details Rates effective as of 9/1/2021. Your savings are insured by the National Credit Union Share Insurance Fund up to $250,000 and certain IRA plans are separately insured up to $250,000. Compounding and Crediting: Dividends are compounded and credited monthly. Account earns dividends on the average daily balance. Early Withdrawal Penalty: We may impose a penalty if you withdraw funds from your account before the maturity date. Fees may reduce earnings. For all accounts, the amount of the early withdrawal penalty is based on the term of your account. The penalty schedule is as follows: - Terms of 12 months or greater: 180 days' dividends Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%
12 Month CD	-	0.12%	12 Months
Min Deposit $500 Details Rates effective as of 9/1/2021. Your savings are insured by the National Credit Union Share Insurance Fund up to $250,000 and certain IRA plans are separately insured up to $250,000. Compounding and Crediting: Dividends are compounded and credited monthly. Account earns dividends on the average daily balance. Early Withdrawal Penalty: We may impose a penalty if you withdraw funds from your account before the maturity date. Fees may reduce earnings. For all accounts, the amount of the early withdrawal penalty is based on the term of your account. The penalty schedule is as follows: - Terms of 12 months or greater: 180 days' dividends Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%
6 Month CD	-	0.09%	6 Months
Min Deposit $500 Details Rates effective as of 9/1/2021. Your savings are insured by the National Credit Union Share Insurance Fund up to $250,000 and certain IRA plans are separately insured up to $250,000. Compounding and Crediting: Dividends are compounded and credited monthly. Account earns dividends on the average daily balance. Early Withdrawal Penalty: We may impose a penalty if you withdraw funds from your account before the maturity date. Fees may reduce earnings. For all accounts, the amount of the early withdrawal penalty is based on the term of your account. The penalty schedule is as follows: - Terms of 3 to 6 months: 90 days' dividends Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%
3 Month CD	-	0.08%	3 Months
Min Deposit $500 Details Rates effective as of 9/1/2021. Your savings are insured by the National Credit Union Share Insurance Fund up to $250,000 and certain IRA plans are separately insured up to $250,000. Compounding and Crediting: Dividends are compounded and credited monthly. Account earns dividends on the average daily balance. Early Withdrawal Penalty: We may impose a penalty if you withdraw funds from your account before the maturity date. Fees may reduce earnings. For all accounts, the amount of the early withdrawal penalty is based on the term of your account. The penalty schedule is as follows: - Terms of 3 to 6 months: 90 days' dividends Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%

Har-co Credit Union Savings Rates

Product	Rate	APY
Educator Summer Savings	-	3.00%
Min Balance $0 Details Balances up to $20,000.00 earn 3.00% APY; balances over $20,001.00 earn 0.25% APY. Available 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. Open Online Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%
New Educator Summer Savings	-	3.00%
Min Deposit $5 Min Balance $5 Details 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. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%
IRA Savings	-	0.15%
Min Deposit $500 Min Balance $2,000 Details Rates effective as of 9/1/2021. Your savings are insured by the National Credit Union Share Insurance Fund up to $250,000 and certain IRA plans are separately insured up to $250,000. Compounding and Crediting: Dividends are compounded quarterly and credited quarterly. These rates may change quarterly. Account earns dividends on the average daily balance. Accrual of Dividends: For all accounts, dividends will begin to accrue on non-cash deposits (e.g. checks) on the business day you make the deposit to your account. For all accounts, if you close your account before accrued dividends are paid, accrued dividends will not be paid. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%

Har-co Credit Union Money Market Rates

Product	Rate	APY
Business Advantage Money Market	-	4.00%
Min Deposit $2,000 Min Balance $2,000 Details Funds greater than $25,000 guaranteed through December 31st, 2026; Monthly daily balance - $2,000; No transaction fees; Online and mobile banking with online statements; Minimum qualifying balance required to open and maintain this special 4.00% APY is $25,000 and the maximum balance may not exceed $250,000. After December 31st, 2026, the rate will default to the posted money market rate at that time. The APY will be based upon your account balance. Har-co Business Advantage Money Market is available to members who open or maintain a Business Savings Account. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%
Money Market	0.07%	0.07%
Min Balance $2,000 Details Rates effective as of 6/1/2022. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%

Har-co Credit Union Checking Rates

Product	Rate	APY
Rewards Checking	-	3.00%
Min Balance $10,000 Details Qualifications Required: 15 qualifying Point-Of-Sale (POS) purchase transactions per month using a Har-co Visa Debit Card linked to the Rewards Checking Account; ongoing qualifying direct deposit of at least $500 per month into your Rewards Checking account; opt out of paper statements from Har-co; APY on balances under $10,000 and 0.25% APY on balances over $10,000. Get 0.50% APR discount on auto loans and personal loans. Free Greenlight subscription included! Debit card and money app for kids and teens, a $70 value* Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%
Rewards Checking	-	0.25%
Min Balance $10,000 Details Qualifications Required: 15 qualifying Point-Of-Sale (POS) purchase transactions per month using a Har-co Visa Debit Card linked to the Rewards Checking Account; ongoing qualifying direct deposit of at least $500 per month into your Rewards Checking account; opt out of paper statements from Har-co; APY on balances under $10,000 and 0.25% APY on balances over $10,000. Get 0.50% APR discount on auto loans and personal loans. Free Greenlight subscription included! Debit card and money app for kids and teens, a $70 value* Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%

Har-co Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term	View More
Recreational Loan	-	6.10%
Details Finance your RV, ATV, or other recreational vehicle with our low rates. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%

Har-co Credit Union Student Loan Rates

Product	Rate	Points	APR	Term	View More
K-12 Student Loan	-	-	5.24%	3 years
Details Rates over 3 years. Rate includes discounts from Autopay and Direct Deposit to Har-co checking account. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%

Har-co Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loan	5.74%
Details As Low As; A loan for anything in your life. Vacations, weddings, medical costs, adoption costs, and much more. A fixed term low rate personal loan can help. We're here to help you get the right loan personalized for your unique situation. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%

Har-co Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Black Har-co card Loan	-	-	11.49%
Details Intro rate expires: 12 months; Regular APR: 11.49% - 11.49%; Balance Transfer 0% Fee Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%
Business Har-co card Loan	-	-	13.49%
Details As low as rate for those with less than or equal to a $25,000 credit limit; This APR will vary with the market based on the Prime Rate. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%
Business Har-co card Loan	-	-	16.49%
Details Rates will be as low as 16.49% for those borrowing more than $25,000; This APR will vary with the market based on the Prime Rate. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%
Limited Time Holiday Loan	-	-	5.24%	12 months
Details This special low-rate loan is back for a limited time to help you spread out your holiday purchases. This simple 12-month low-rate loan is here to take the stress out of holiday shopping. Buy now, pay over 12 months. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%
Private School Loan	-	-	5.24%
Details As Low As; Choosing the right PreK-12 school, daycare, or afterschool care is important. We're here to help finance your child's future. This loan covers everything from accredited schools such as The Highlands School to daycares and other private schools throughout Harford County. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%
Secured Card Cash Back Loan	-	-	6.75%
Details This APR will vary with the market based on the Prime Rate. Secured collateral must be funds from savings account. Subject to credit approval. Membership eligibility is required. Please refer to the terms and conditions of the credit card agreement for complete details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%
Silver Har-co card Loan	-	-	13.99%
Details Intro rate expires: 12 months; Regular APR: 13.99% - 13.99%; Balance Transfer 3% of the balance transfer Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%
Student Advantage card Loan	-	-	11.49%
Details Intro rate expires: 6 months; Regular APR: 11.49% - 11.49%; Balance Transfer 3% of the balance transfer Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.63%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Har-co Credit Union’s Texas Ratio rose from 2.19% in Q2 2023 to 3.63% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$286M	3.63%	5.0	A+
December 31, 2025	$272M	6.75%	5.0	A
September 30, 2025	$265M	7.51%	5.0	A
June 30, 2025	$273M	6.67%	5.0	A
March 31, 2025	$272M	1.84%	5.0	A+
December 31, 2024	$261M	5.43%	5.0	A+
September 30, 2024	$253M	1.58%	5.0	A+
June 30, 2024	$257M	1.85%	5.0	A+
March 31, 2024	$255M	1.20%	5.0	A+
December 31, 2023	$248M	1.52%	5.0	A+
September 30, 2023	$247M	6.41%	5.0	A
June 30, 2023	$250M	2.19%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Har-co Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Har-co Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Har-co Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Har-co Credit Union

Website https://www.harcocu.org

Address 30 N Hickory Ave, Bel Air, MD 21014-3249

Phone 410-838-9090

Fax 410-803-2449

President Blaise Sedney

CEO Gilbert Kennedy III

Full-Time Employees 57

Part-Time Employees 9

Branch Locations 3

ATM Locations 3

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.63%

Return on Assets (ROA)

0.1266%

Return on Equity (ROE)

1.3686%

Non-Performing Loans Ratio (NPL)

0.54%

Total Assets

285,529,788

Total Amount of Shares and Deposits

256,644,340

Total Shares and Deposits < 1 Year

252,374,565

Total Shares and Deposits 1 3 Years

3,993,182

Total Shares and Deposits > 3 Years

276,593

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

20,680,470

Total Uninsured Shares and Deposits > $250K (F+J)

20,680,470

Total Insured Shares and Deposits > $250K (item 17 less item K)

235,963,870

Total Interest Expense (Sum of items 6 8)

590,739

Share Certificates

1,656

Number of Accounts for Share Drafts

7,946

IRA KEOGH Accounts

511

Number of Accounts for Regular Shares

16,207

Money Market Shares

517

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

65,011,020

Total Liabilities

259,129,010

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Har-co Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About Har-co Credit Union

How many branches does Har-co Credit Union operate?

Har-co Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Har-co Credit Union?

Yes, to access services at Har-co Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Har-co Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Har-co Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Har-co Credit Union offer online and mobile banking?

Most modern institutions like Har-co Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.harcocu.org.

Current Har-co Credit Union Rates

12-Month CD0.12%
18-Month CD0.18%
24-Month CD0.20%
60-Month CD0.60%
Savings0.15%
MMA0.07%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Har-co Credit Union Rates & Review September 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Har-co Credit Union Texas Ratio

Har-co Credit Union Health Trend

Har-co Credit Union CD Rates

Har-co Credit Union Savings Rates

Har-co Credit Union Money Market Rates

Har-co Credit Union Checking Rates

Har-co Credit Union RV, Boat and Powersport Loan Rates

Har-co Credit Union Student Loan Rates

Har-co Credit Union Personal Loan Rates

Har-co Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Har-co Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Har-co Credit Union

How many branches does Har-co Credit Union operate?

Is a member application needed to join Har-co Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Har-co Credit Union offer online and mobile banking?

Current Har-co Credit Union Rates

Compare to Other Credit Unions