Har-Co

30 N HICKORY AVE, Bel Air, MD 21014

NCUA Insured4.3 (151 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1955

Contact this credit union directly for detailed information about membership eligibility and current rates.

Membership Eligibility

Anyone who lives, works, or worships in or around Bel Air, MD may be eligible to join. Community credit unions are open to the general public within their service area.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

2 charter

Established in 1955

Contact this credit union directly for detailed information about membership eligibility, current rates, and services.

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesCredit Cards

Location & Directions

Address

30 N HICKORY AVE

Bel Air, MD 21014

Google Maps 🗺Waze

(410) 838-9090

Service Area

This credit union is located in Bel Air and serves members in the MD area. Currently serving 13,601 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

6.19%

Used Auto Loan

5.79%

Personal Loan

15.00%

Credit Card APR

9.45%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in MD

Lowest rates currently reported by credit unions in MD (NCUA Q4 2025).

Signal Financial— New Auto Loan

Kensington, MD

1.74%

Signal Financial— Used Auto Loan

Kensington, MD

2.24%

Capital Area Taiwanese— Personal Loan

Rockville, MD

6.00%

Municipal Empl.Credit Union of Balt— Credit Card APR

Baltimore, MD

1.99%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(3 total)

Member Reviews

4.3

151 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps

Alana Norris

5 months ago

Angela Gregory was amazing to work with. We came to her and Har-co Credit Union when our other lender fell through a week before closing. Angie immediately jumped in to help and got us through the entire process so quickly and smoothly. We were able to make it in time for our initial closing date one week after initially starting the process with Angie and Har-co. She was incredibly communicative and supportive and truly went above and beyond for us.

Taylor Jhané

a month ago

We worked with Angela Gregory and we are so thankful for her patience and expertise during this process. As first time homebuyers, this was very stressful for us, but we couldn't have worked with a better lender than Angie and Har-co Credit Union. Angie, thanks so much for everything!

Nick Baxter

9 months ago

Terry was amazing to work with for my mortgage. She’s super knowledgeable and responsive and truly cared about us finding the right house. I’d highly recommend, she made a difficult process (home buying) super easy! We love Terry!

Ted Stafilatos

9 months ago

I have been banking at Harco for years and I feel it is time to move on. I want to start investing and I don’t have access to my money online. The external money transfers to link accounts is not working because a week goes by and I can’t even transfer 10 dollars. I am trying to set up investment accounts and I can’t move forward because I can not freely end expeditiously move money from my accounts. The savings accounts does not accumulate much interest since the rate is very low. My money in this bank is just not working for me. I see no reason to hold it here anymore. I am leaving. For basic checking and savings accounts or auto loans, it is just fine. For checks and purchasing stuff online, it is just fine. But that is basic and traditional banking. The people there are also very nice, no complaints about them.

Don

8 months ago

The external money transfers to link accounts don't work and it's impossible to get anyone on the line to help you. Not to mention the business credit cards, just like TD Bank and Capital One, report to your personal credit profile. Without warning they hit me with a late payment, which I disputed and had it removed from my credit report. There are better products with other institutions that I have business accounts with like NFCU, APG and Freedom CU that have more resources and are much eager to work with you than Har Co. I have decided to pay off the little I owe them and close my accounts. I refuse to them ruin my great credit because they're asleep at the wheel with their products.