Credit union · NCUA insured
Har-co Credit Union Auto Loan Rates
Har-co Credit Union auto loans start at 4.79% APR for a new vehicle. Rates checked October 22, 2026.
How Har-co Credit Union’s auto loan rates compare
Compared with banks and credit unions near Baltimore, MD, where Har-co Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Har-co Credit Union
4.79%APR
- Terms
- 49–66 months
- Discount
- None included
New Auto Loans
Lowest rate
LM Federal Credit Union
4.24%APR
- Terms
- 49–60 months
- Discount
- Included in the rate
2nd-lowest rate
POCU of Maryland
4.29%APR
- Terms
- up to 72 months
- Discount
- None included
Har-co Credit Union auto loan score
79
Auto loan score
Higher than 48% of U.S. banks and credit unions
- New vehicleNew4.79%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Har-co Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Motorcycle Loans
APR = Annual Percentage Rate. Low rates available for new and used bikes.
| Terms | APR | Conditions |
|---|---|---|
| — | 5.70% | Payment per $1,000 borrowed is $30.29. |
| — | 5.95% | Payment per $1,000 borrowed is $30.40. |
Sources (1)
- harcocu.org/rates/current-rates · captured Oct 15, 2026
New Auto Loans
Advertised rates are for individuals with credit scores 740 or better who also qualify for applicable discounts. Actual interest rate based on credit qualifications, discounts, loan term and amount, vehicle mileage, and other factors. Automated payments must cover monthly loan payment amount from a Har-co account or net pay direct deposit if applicable. Rates current are subject to change without notice. Har-co membership eligibility is required. Ask for details. The auto loan program is available in various counties in MD, PA and DE. Comprehensive Auto insurance is required. Low-cost Gap and mechanical breakdown insurance is available. Loan subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| 1–36 months | 4.44% | Payment per $1,000 borrowed is $29.72 based on maximum term in range. Advertised rates are for individuals with credit scores 740 or better who also qualify for applicable discounts. |
| 37–48 months | 4.54% | Payment per $1,000 borrowed is $22.82 based on maximum term in range. Advertised rates are for individuals with credit scores 740 or better who also qualify for applicable discounts. |
| 49–66 months | 4.79% | Payment per $1,000 borrowed is $17.26 based on maximum term in range. Advertised rates are for individuals with credit scores 740 or better who also qualify for applicable discounts. |
| 67–78 months | 5.19% | Payment per $1,000 borrowed is $15.13 based on maximum term in range. Advertised rates are for individuals with credit scores 740 or better who also qualify for applicable discounts. |
| 79–87 months | 5.99% | Payment per $1,000 borrowed is $14.20 based on maximum term in range. Advertised rates are for individuals with credit scores 740 or better who also qualify for applicable discounts. |
| 88–96 months | 7.24% | Payment per $1,000 borrowed is $13.75 based on maximum term in range. Advertised rates are for individuals with credit scores 740 or better who also qualify for applicable discounts. |
Sources (1)
- harcocu.org/rates/current-rates · captured Oct 15, 2026
Used/Refinanced Auto Loans
Advertised rates are for individuals with credit scores 740 or better who also qualify for applicable discounts. The interest rate set at loan approval is based on the individual’s credit qualifications, whether they elect to take advantage of applicable discounts, the loan term and amount, vehicle mileage and other factors impacting actual interest rates. Not all applicants will qualify for the lowest interest rates. If applicable, automated payments must cover the monthly loan payment amount from a Har-co account or net pay direct deposit. Refinance restrictions apply. Rates current are subject to change without notice. Har-co membership eligibility is required. Ask for details. The auto loan program is available in various counties in MD, PA and DE. Comprehensive Auto insurance is required. Low-cost Gap and mechanical breakdown insurance is available. Loan subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| 1–36 months | 4.69% | Payment per $1,000 borrowed is $29.83 based on maximum term in range. Advertised rates are for individuals with credit scores 740 or better who also qualify for applicable discounts. |
| 37–48 months | 4.79% | Payment per $1,000 borrowed is $22.93 based on maximum term in range. Advertised rates are for individuals with credit scores 740 or better who also qualify for applicable discounts. |
| 49–66 months | 5.04% | Payment per $1,000 borrowed is $17.38 based on maximum term in range. Advertised rates are for individuals with credit scores 740 or better who also qualify for applicable discounts. |
| 67–78 months | 5.44% | Payment per $1,000 borrowed is $15.25 based on maximum term in range. Advertised rates are for individuals with credit scores 740 or better who also qualify for applicable discounts. |
| 79–87 months | 6.24% | Payment per $1,000 borrowed is $14.32 based on maximum term in range. Advertised rates are for individuals with credit scores 740 or better who also qualify for applicable discounts. |
| 88–96 months | 7.49% | Payment per $1,000 borrowed is $13.88 based on maximum term in range. Advertised rates are for individuals with credit scores 740 or better who also qualify for applicable discounts. |
Sources (1)
- harcocu.org/rates/current-rates · captured Oct 15, 2026
Who can join Har-co Credit Union
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.
Membership information collected October 4, 2026.