Credit union · NCUA insured
Har-co Credit Union
A $285.5M credit union headquartered in Bel Air, MD, with 13,626 members and 3 branches in Maryland. Best rates: CDs 0.60% APY.
Har-co Credit Union Carrot Score
63
Carrot Score
Higher than 8% of U.S. banks and credit unions
#41 of 47 in Baltimore, MD metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Har-co Credit Union
Founded in 1955 by school teachers, Har-co Credit Union was established exclusively to serve the educators and students of Harford County Public Schools.
Headquartered in Bel Air, Maryland, where it constructed its main branch in 1986, the credit union is dedicated to serving all of Harford County.
- Headquarters
- 30 N Hickory Ave, Bel Air, MD 21014-3249
- NCUA charter
- 68639
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school in Harford County are eligible for membership.
Family and household
- Individuals who have immediate family in Harford County are eligible for membership.
Cost to join
- Membership requires opening a savings account with a $5 deposit.
Branches
3 branches in Maryland
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Maryland
3 branches
- Main BranchMain office30 N Hickory Ave, Bel Air, MD 21014Directions
- Aberdeen1028 Middleton Rd, Aberdeen, MD 21001Directions
- Abingdon3422 Emmorton Rd, Abingdon, MD 21009Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 9.74% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.43% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.66% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $75 | $76 | — |
- CapitalNet worth ratio9.74%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.43%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.66%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$75Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Har-co Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.