Credit union · NCUA insured
Har-co Credit Union Savings Rates
A $285.5M credit union headquartered in Bel Air, MD, with 13,626 members and 3 branches in Maryland.
How Har-co Credit Union’s savings 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
3.00%APY
- Requires
- Conditions apply
- Minimum
- $5
- Earns on $10,000 a year
- $300
Educator Summer Savings
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
CFG Bank
4.05%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $405
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Educator Summer Savings
3.00%APY
Available to all 10-month employees in education (public or private, Harford County or beyond). Member must live, work, or attend school or church in Harford County or have immediate family at Har-co. Automatically transferred into checking account during summer.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $20,001Earns 3.00% APY on balances $5 - $20,001. Minimum balance to obtain stated APY is $5. No monthly or maintenance charges. | 3.00% | $300 | Earns 3.00% APY on balances $5 - $20,001. Minimum balance to obtain stated APY is $5. No monthly or maintenance charges. |
| $20,001 and upEarns 0.25% APY on balances over $20,001. No monthly or maintenance charges. | 0.25% | — | Earns 0.25% APY on balances over $20,001. No monthly or maintenance charges. |
Special-purpose accounts
IRA Savings
0.15%APY
Dividends are compounded quarterly and credited quarterly. Account earns dividends on the average daily balance. Dividends begin to accrue on non-cash deposits on the business day of deposit. If closed before accrued dividends are credited, accrued dividends will not be paid.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,000 and upRate applies to balances of $2,000-$100,000+. $500 minimum to open and obtain APY.$2,000 and up | 0.15% | $15 | Rate applies to balances of $2,000-$100,000+. $500 minimum to open and obtain APY. |
Sources (1)
- harcocu.org/cd-ira · 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This may be incomplete or out of date, so check with the credit union before you apply.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.