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Advertiser Disclosure
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 Harford Bank Rates & Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 27, 2026
Harford Bank's 13-Month Certificate rates are at 3.86%, 6-Month Certificate rates are at 3.70%, 15-Month Certificate rates are at 3.55%, 91 day Certificate rates are at 3.55%, 21-Month Penalty Free Certificate rates are at 3.50%. Harford Bank's savings rates are at 0.25%. Harford Bank's money market rates are at 0.02%. Harford Bank's 15 Year Fixed rates are at 5.50%, 20 Year Fixed rates are at 6.25%, 30 Year Fixed rates are at 6.38%. MonitorBankRates evaluates the financial stability of Harford Bank with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 11.55%. Rates were last updated on 03/27/2026. Harford Bank 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 Harford Bank? Share your experience about Harford Bank by leaving a review below, or read customer reviews before you decide to use Harford Bank. 
Harford Bank CD Rates
Harford Bank Savings Rates
Harford Bank Money Market Rates
Harford Bank Mortgage Rates
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Harford Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer 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 bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather Harford Bank 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 Harford Bank's official website for the most current offers and terms.
Bank Profile & Overview
Institution Name
Harford Bank
FDIC Certificate #
19101
Address
8 W Bel Air Ave,
Aberdeen, MD 21001 · Harford
Website
https://www.harfordbank.com
Established
05/01/1964
FDIC Insurance Date
05/01/1964
Domestic Offices
9
Total Branches
9
Regulator
FDIC
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsA
Overall Health Grade
Score: 94/100
5.0
Exceptional
Out of 5.0 Stars
11.55%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
0.9339%
Return on Equity (ROE)
10.4300%
Non-Performing Loans (NPL)
0.91%
Total Assets
$728,366,000
Total Deposits
$652,345,000
Equity Capital
$71,202,000
Net Income
$7,069,000
Headquarters
Aberdeen
Total Offices
9
Source: FDIC | Last Updated 12/31/2025
Frequently Asked Questions About Harford BankIs Harford Bank a safe place to deposit money?Yes, Harford Bank is considered a safe financial institution. With a Texas Ratio of 11.547077353868%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category. How many branches does Harford Bank operate?Harford Bank currently maintains approximately 9 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is there a first-time homebuyer program?Currently, Harford Bank 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, Harford Bank provides members with tools to manage their accounts and build a solid financial history. Does Harford Bank offer online and mobile banking?Most modern institutions like Harford Bank 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.harfordbank.com. Current Harford Bank Rates
Retrieved from our database of financial products. Rates subject to change.
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