Har-co Credit Union Aberdeen MD | Affordable Auto Loans & Business Banking

Introduction

Welcome to Har-co, your trusted financial partner located at 1028 Middleton Rd, Aberdeen, MD 21001. Since our establishment in 1955, we have been dedicated to serving our community with integrity and commitment. As a member-focused credit union, we take pride in fostering relationships that help our members achieve their financial goals. At Har-co, we understand that every member has unique needs. That's why we offer a wide range of services designed to cater to you from personal banking options like checking and savings accounts to auto loans and mortgages. With total assets exceeding $252 million and over 13,769 members, our strong financial foundation allows us to support your journey towards financial success. Our team, led by CEO Gilbert Kennedy III and Board President Blaise Sedney, is passionate about providing exceptional service. We currently employ 60 dedicated professionals who are here to assist you with your banking needs. Whether you're looking for an auto loan, mortgage refinancing, or credit card options with rewards, our friendly staff is always ready to help. For your convenience, we maintain robust online and mobile banking services, ensuring that managing your finances is simple and efficient. You can also visit us at our branch or contact us directly at 410-273-2506 for any inquiries. While members can visit us at 1028 Middleton Rd, official correspondence should be sent to the same address. We invite you to explore our offerings further by visiting our website at harcocu.org. Join us today and experience the difference of being part of a community-oriented credit union where your financial well-being is our top priority!

Branch History & Mission

Commitment to Innovation

We understand the importance of staying current in today's fast-paced world. That's why we've embraced digital advancements to enhance your banking experience. With online and mobile banking options available, you can manage your finances anytime and anywhere. Plus, our commitment to accessibility ensures that all members can utilize our services comfortably. Whether it's through drive-thru banking or ATM availability, we aim to make your experience as smooth as possible. While members can visit us at 1028 Middleton Rd, official correspondence should be sent to 1028 Middleton Rd, Aberdeen, MD 21001-2281 if different needs arise. As we continue our journey into the future, we invite you to join Har-co Credit Union. Experience firsthand the benefits of being part of a community-focused institution dedicated not only to your financial growth but also to building lasting relationships. Together, let's create a brighter tomorrow!

Our Mission

At Har-co, our mission is clear: we strive to offer exceptional financial services while fostering a sense of community and support. We are dedicated to enhancing the lives of our members through personal banking solutions such as checking and savings accounts, auto loans, mortgage options, credit cards with rewards, and business banking services. But we're more than just numbers and transactions; our heart lies in community engagement. We actively participate in outreach programs and partnerships that strengthen the bonds within our local area. By investing in our community's future, we believe we can make a real difference in the lives of those around us.

Branch Location & Accessibility

Getting Here

Our branch is nestled in Harford County, making it a great stop for residents in the area. If you're coming from downtown Aberdeen or nearby neighborhoods, you'll find us just a short drive away. For those who prefer public transportation, the location is also accessible via local bus routes.

Operating Hours

At Har-co, we understand that your time is valuable. That's why we offer flexible hours tailored to fit your busy schedule. You can visit us Monday through Wednesday from 9 a.m. to 5 p.m., Thursday and Friday from 9 a.m. to 7 p.m., and even on Saturdays from 9 a.m. to 1 p.m. We want to make sure you have plenty of opportunities to get the help you need!

Parking and Accessibility

We know how important convenience is when you visit us. That's why we offer ample parking right outside our doors. Our facility is designed with accessibility in mind, featuring ADA-compliant entrances and ramps, ensuring everyone can access our services comfortably.

Services Offered

When you step into our branch, you'll find a warm welcome along with a variety of personal and business banking services designed just for you. From checking and savings accounts to auto loans and mortgage options, we've got something for everyone! Plus, with our drive-thru service available, managing your transactions has never been easier.

Stay Connected

If you have any questions before your visit, feel free to give us a call at 410-273-2506. Our friendly staff is always ready to assist you! So why wait? Come on down to Har-co at 1028 Middleton Rd in Aberdeen today! We look forward to serving you!

Member Eligibility

At Har-co, we believe that becoming a member is like joining a close-knit family dedicated to supporting your financial journey. To be part of our community, you simply need to meet a few friendly eligibility criteria. Generally, anyone who lives, works, worships, or attends school in Harford County can join us. We also welcome immediate family members of existing members, making it easy for you to bring your loved ones into our supportive environment. If you'd like more detailed information about the specific requirements, feel free to check out our eligibility page at http://www.harcocu.org/become-a-member. Joining Har-co comes with fantastic benefits! Not only do you gain access to a variety of personal and business banking services tailored to fit your needs, but you also become part of an organization that prioritizes its members above all else. Ready to get started? Opening an account is simple and straightforward just visit our account opening page at https://online.harcocu.org/auth/enrollment?culturename=en or give us a call at (410) 273-2506 if you have any questions. We're here for you at our branch located at 1028 Middleton Rd Aberdeen Md 21001, and we can't wait to welcome you as a member!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $39 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $3 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $16,698,589, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, we offer merchant services that simplify payment processing for your business. Imagine receiving payments quickly and securely, whether you're running a food truck or managing an e-commerce site. Our solutions help streamline transactions, allowing you to focus on what matters most growing your business. Ready to take your business to the next level? Visit us at 1028 Middleton Rd Aberdeen Md 21001 in Aberdeen, MD, or call us at (410) 273-2506 for more information about how we can assist you!

Comprehensive List Of Services

Business Banking Services

For our business members, we provide essential services that can help your enterprise thrive. Our Business Banking solutions include merchant services and business loans tailored to support your company's growth. With us, you have a partner dedicated to understanding and meeting your business needs.

Convenient Access Options

Accessibility is key at Har-co. With our user-friendly Online & Mobile Banking, managing your accounts from anywhere is simple and straightforward. Additionally, we have an ATM available for quick cash withdrawals and balance checks right in the heart of Aberdeen. Our basic drive-thru banking service makes it easy for you to conduct deposits, withdrawals, and other simple transactions without leaving your car perfect for those busy days when time is of the essence. If you're looking for a supportive financial partner that truly understands your needs, come visit us at our branch located at 1028 Middleton Rd Aberdeen Md 21001 or give us a call at (410) 273-2506. We're excited to help you achieve your financial goals! Whether you're opening an account or exploring loan options, stop by or reach out today! Let's get started on building a brighter financial future together!

Loans Tailored for You

When it comes to financing your dreams, Har-co has you covered with a variety of loan options. Whether you're looking for Auto Loans & Vehicle Financing to purchase a new car or need assistance with Mortgage Loans & Refinancing, our team is here to guide you every step of the way. We also offer Personal Loans & Debt Consolidation services to help you manage existing debt effectively. And let's not forget about our competitive Credit Cards with Rewards, perfect for those who love earning benefits on their everyday purchases.

Personal Banking Solutions

We understand that managing your day-to-day finances is important. That's why we offer Personal Banking options, including checking and savings accounts that help you keep track of your money easily. Imagine having the flexibility to access your funds online or through our mobile banking app anytime you need it. Plus, with features like e-statements and mobile payments, managing your finances has never been more convenient.

Digital & Online Banking

Key Features

Our online banking platform makes it easy for you to check balances, transfer funds, and pay bills all with just a few clicks. If you're on the go, our mobile application allows you to do all this from your smartphone. Plus, you can make mobile payments with ease, ensuring you never miss a chance to settle up with friends or make a quick purchase.

Security You Can Trust

Your security is our priority. While we don't currently offer electronic signature authorization for transactions, rest assured that all online activities are protected by robust security measures. We want you to feel safe while banking with us.

Stay Updated

With e-statements available, you can keep track of your finances without the clutter of paper statements. And if you need to send money quickly, our person-to-person transfer feature allows you to send funds directly to friends and family in just moments. Banking shouldn't be complicated. At Har-co, we strive to make it simple and accessible so that managing your money fits seamlessly into your daily routine. Whether you're at home or on the move, our digital banking tools empower you with real-time account management at your fingertips.

Financial Strength

A Growing Community

Total Share Accounts stand at 27,996, showing a strong and growing member base that trusts us with their finances. Our net shares (funds available for lending and investments) are currently at $0, further emphasizing our commitment to your financial success. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Har-co is your trusted partner. Visit us at 1028 Middleton Rd Aberdeen Md 21001 or call (410) 273-2506 to learn more about how we can help you achieve your financial goals.

Commitment to Excellence

Our operational efficiency is reflected in our $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 55 full-time employees and 5 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Investing in Member Success

With $16,282,437 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is robust, with $1,469 in used auto loans and $183,677,456 in total loans and leases supporting your financial goals across various sectors.

Secure Savings Options

Members' savings are secured through $39,424,782 in share certificates and $25,661,904 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Solid Financial Health

With a net worth of $23,645,321, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $938 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $25,195,308 in used vehicle loans and $7,553,034 in new vehicle loans already helping members get on the road. Whether you're considering financing a new ride or need support for a reliable used vehicle, our auto loan options are tailored to meet your needs.

Business Solutions

For business owners, our outstanding commercial loans totaling $16,698,589 provide the capital needed to grow and expand. We recognize that every business is unique and strive to offer customized solutions that align with your goals. If you're interested in exploring refinancing options or determining eligibility for any of our loan products, feel free to reach out. You can contact us at 410-273-2506 during our operating hours: Monday-Wednesday from 9 a.m. - 5 p.m., Thursday-Friday from 9 a.m. - 7 p.m., and Saturday from 9 a.m. - 1 p.m. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At Har-co, we're more than just a credit union; we're a partner in your financial journey. Explore how we can assist you today!

Credit Card Loans

Managing everyday expenses can be challenging. We also offer flexible terms on unsecured credit card loans, with a total of $7,306,316 in loans helping members manage their finances effectively. Whether you're looking to consolidate debt or cover unexpected costs, our credit card options are designed to fit your lifestyle.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $26,253,871, make buying or refinancing simple. We are committed to assisting you throughout the process of securing your dream home with competitive rates and flexible terms.

Loan Aggregator

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Ensuring Accurate Loan Comparisons

LendMesh ensures accurate loan comparisons through a robust sourcing system. Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This commitment to compliance guarantees that users receive fair and transparent offers.

Harco