Credit union · NCUA insured
Har-co Credit Union Credit Card Rates
Har-co Credit Union credit card rates start at 7.00% APR. Rates checked October 22, 2026.
How Har-co Credit Union’s credit card rates compare
Compared with banks and credit unions near Baltimore, MD, where Har-co Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Har-co Credit Union
– –
No ongoing APR published
Lowest rate
APG Federal Credit Union
7.00%APR
2nd-lowest rate
Freedom Federal Credit Union
7.00%APR
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Black Har-co card
Requires excellent credit. No annual fees. Intro 0% APR for 12 months on purchases and balance transfers, then variable APR as low as 11.74%. 0% balance transfer fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | Introductory 0% APR for 12 months on purchases. |
| Intro, 12 months | 0.00% | None | Introductory 0% APR for 12 months on balance transfers. 0% balance transfer fee. Existing balances on Har-co Credit Union loans or credit card accounts are not eligible. |
| Ongoing | 11.74% | None | Post-promotional variable APR as low as 11.74% on purchases based on creditworthiness and varies with the market based on the Prime Rate. |
Secured Visa
Secured by funds in share/savings account. You decide credit limit based on secured funds. No annual fee. No cash advance fee. Subject to credit approval and membership eligibility.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 7.00% | None | Variable APR based on the Prime Rate; rates subject to change. No cash advance fee. |
Silver Har-co card
Requires good credit. No annual fees. Intro 0% APR for 12 months on purchases and balance transfers, then variable APR as low as 14.24%. 3% balance transfer fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | Introductory 0% APR for 12 months on purchases. |
| Intro, 12 months | 0.00% | None | Introductory 0% APR for 12 months on balance transfers. 3% balance transfer fee. Existing balances on Har-co Credit Union loans or credit card accounts are not eligible. |
| Ongoing | 14.24% | None | Post-promotional variable APR as low as 14.24% on purchases based on creditworthiness and varies with the market based on the Prime Rate. |
Student Advantage card
For good or no credit. Exclusively for those who have a primary address, work, or worship in Harford County, MD, and entering or enrolled in a college, trade school, or apprenticeship. No annual fees. 3% balance transfer fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 0.00% | None | Introductory APR for 6 months on purchases. |
| Ongoing | 11.74%–18.00% | None | Post-promotional variable APR on purchases based on creditworthiness and varies with the market based on the Prime Rate. |
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.