Credit union · NCUA insured
Har-co Credit Union CD Rates
Har-co Credit Union’s best CD rate is 0.60% APY on a 5-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Har-co Credit Union’s CD rates compare
Compared with banks and credit unions near Baltimore, MD, where Har-co Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Har-co Credit Union
0.60%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $304
CDs
Top rate
Tower Federal Credit Union
5.20%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $1,067
2nd-highest rate
POCU of Maryland
5.12%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $382
Har-co Credit Union CD score
60
CD score
Higher than 1% of U.S. banks and credit unions
- 3–8 months3–8 mo0.09%
- 9–15 months9–15 mo0.12%
- 16–30 months16–30 mo0.25%
- 31–60 months31–60 mo0.60%
- QualifiedQualified0.60%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Har-co Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
CDs
Up to 0.60%APY · 9 terms
$500 minimum to open and obtain APY. Dividends compounded and credited monthly based on average daily balance. Early withdrawal penalty applies (90 days' dividends for 3-6 months; 180 days' dividends for 12+ months). Option to automatically renew for the same term at current rate.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 0.08% | $2 |
| 6 months | 0.09% | $4 |
| 12 months | 0.12% | $12 |
| 18 months | 0.18% | $27 |
| 24 months | 0.20% | $40 |
| 30 months | 0.25% | $63 |
| 36 months | 0.30% | $90 |
| 48 months | 0.45% | $181 |
| 60 months | 0.60% | $304 |
Sources (1)
- harcocu.org/cd-ira · captured Sep 19, 2026
Special-purpose accounts
Growing up Har-co CD
5.00%APY · 1 term
For children from birth through 19 years old. Maximum $5,000 per CD, up to 5 CDs per child.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 36 monthsFor children from birth through 19 years old. $5,000 max per CD, up to 5 CDs per child | 5.00% | — |
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This may be incomplete or out of date, so check with the credit union before you apply.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.