Har-co Credit Union Abingdon MD | Best Auto Loans & Personal Banking

Introduction

Welcome to Har-co, your trusted partner in financial wellness since 1955. Located conveniently at 3422 Emmorton Rd, Abingdon, MD 21009, our credit union is dedicated to serving our community with integrity and care. With a strong membership base of 13,769 members, we are proud to offer a comprehensive range of services tailored to meet your unique financial needs. At Har-co, we believe in the power of community. Our commitment goes beyond just numbers; with total assets exceeding $252 million, we strive to support local families and businesses by providing affordable loans and high-yield savings options. As of today, we have successfully facilitated over 7,406 loans, totaling a substantial amount that fuels dreams and aspirations in our area. Our leadership team is here to guide you through your financial journey. Under the stewardship of CEO Gilbert Kennedy III and Board President Blaise Sedney, we focus on creating valuable relationships with our members. We also prioritize transparency and reliability, ensuring you always feel secure in your banking choices. While you can visit us at our branch for all your banking needs, please note that official correspondence should be directed to our mailing address: 3422 Emmorton Rd, Abingdon, MD 21009-2016. Whether you're looking for personal banking solutions like checking accounts or auto loans, or business financing options, we are here for you! Don't hesitate to reach out at 410-569-1012 or explore our website at www.harcocu.org for more information about how we can help you achieve your financial goals. Come experience the difference at Har-co!

Branch History & Mission

Community Impact

Our commitment extends beyond banking; we actively engage with our community through partnerships with local organizations and outreach programs. We support various initiatives aimed at enhancing financial literacy and economic development in Harford County. Every dollar saved or earned by our members helps strengthen the local economy. As part of our dedication to inclusivity, we ensure that all facilities comply with ADA standards so that everyone can access our services comfortably.

Join Us Today

We invite you to experience the many benefits of becoming a member of Har-co. With operating hours designed around your schedule open Monday through Wednesday from 7:30 AM to 5 PM, Thursday and Friday until 7 PM, and Saturday from 9 AM to 1 PM there's always a convenient time for you to connect with us. Call us at 410-569-1012 or visit harcocu.org for more information on how you can join our family today! Together, let's build a brighter financial future.

Our Mission

At Har-co, our mission is simple yet profound: We strive to improve the financial well-being of our members and the communities we serve. We believe that everyone deserves access to fair and transparent financial services. Whether it's helping you secure a loan for your dream car or guiding you through the mortgage process for your first home, we aim to make your experience smooth and rewarding. We are proud of our member-centric approach which includes not just traditional banking services but also innovative digital offerings like online banking and mobile payments. Our drive-thru service makes it convenient for you to manage transactions without stepping out of your vehicle.

Our Story

Har-co was founded with a clear vision: to empower individuals and families by providing accessible financial services. Over the years, we have evolved from a small credit union into a robust institution that offers a wide range of products including personal banking, auto loans, mortgages, and business banking solutions. Our commitment to fostering strong relationships is evident in everything we do. Located near key landmarks in Abingdon, such as the Harford Mall and various community centers, our branch has become a cornerstone for local residents. While members can visit us at 3422 Emmorton Rd, official correspondence should be sent to our mailing address: 3422 Emmorton Rd, Abingdon, MD 21009-2016.

Branch Location & Accessibility

Convenient Access

At Har-co, we believe banking should be easy for everyone. Our branch features ample parking and is designed with accessibility in mind, including ADA-compliant ramps to ensure that all members can visit us comfortably. Whether you're stopping by for a quick transaction or seeking financial advice, our dedicated team is ready to help.

Operating Hours

We understand that life gets busy, which is why we offer flexible hours to fit your schedule. Visit us Monday through Wednesday from 7:30 a.m. to 5:00 p.m., or stop by Thursday and Friday when we're open until 7:00 p.m. For your convenience, our drive-thru service is available on Saturdays from 9:00 a.m. to 1:00 p.m., making it easy to handle your banking needs even on the weekends.

Services Offered

At Har-co, we provide a variety of services tailored to meet your financial needs. From personal checking and savings accounts to auto loans and credit cards with rewards, we have something for everyone. Need assistance with business banking? We also offer merchant services and business loans. Plus, our ATM is available for withdrawals and balance checks whenever you need it. While members can visit us at our branch address for all their banking needs, any official correspondence should be sent to the same address at 3422 Emmorton Rd, Abingdon, MD 21009-2016. We invite you to come experience the friendly service at Har-co! If you have any questions or need assistance before your visit, don't hesitate to call us at 410-569-1012. Your financial journey starts here!

Member Eligibility

Becoming a member of Har-co feels like joining a warm and welcoming community where your financial needs are truly understood. If you're looking to join us at our branch located at 3422 Emmorton Rd Abingdon Md 21009, you'll be happy to know that eligibility is designed to be accessible for everyone. Whether you're a resident of Harford County or have family members who are already part of our credit union, you can easily become a member. For those seeking more details about the specific eligibility criteria, feel free to visit our website at http://www.harcocu.org/become-a-member for the most up-to-date information. Once you're ready to take this exciting step, opening an account with us is straightforward and user-friendly. You can start your journey by visiting https://online.harcocu.org/auth/enrollment?culturename=en, where you'll find all the necessary steps laid out clearly. If you have any questions or need assistance along the way, don't hesitate to give us a call at (410) 569-1012. We're here to help you every step of the way as you embark on this rewarding membership experience!

Business Banking & Commercial Services

Business Loans for Growth

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 Made Simple

In addition to our loan offerings, we provide essential merchant services that simplify transactions for your customers. Imagine being able to accept payments from anywhere, whether it's in your store or online. This flexibility not only enhances customer satisfaction but also boosts your sales potential. Let Har-co be your partner in navigating the financial landscape of your business journey. Visit us at 3422 Emmorton Rd Abingdon Md 21009 or call us at (410) 569-1012 to learn more about how we can help you thrive!

Comprehensive List Of Services

Business Banking Services

If you're a business owner, we understand that having the right banking support is crucial for success. Our business banking services, including merchant services and business loans, are designed to help you thrive in today's marketplace.

Digital Banking Features

We know how important convenience is in today's fast-paced world. That's why we offer robust online and mobile banking services that allow you to manage your accounts from anywhere. Whether it's checking balances or making transfers, our secure platforms make it easy to stay on top of your finances. Need cash? Our ATM services are available for withdrawals and balance checks, ensuring access when you need it most.

Drive-Thru Convenience

For those who prefer face-to-face interactions but value efficiency, our drive-thru banking offers quick service for deposits, withdrawals, and simple transactions without leaving your vehicle. At Har-co, we're here to serve you with dedication and care. Whether you're at home or on the go, we make banking easy and accessible. If you're ready to explore these services further or have questions about what we offer, don't hesitate to reach out! Call us at (410) 569-1012 or visit us online at Abingdon. We look forward to being part of your financial journey!

Personal Banking Solutions

For individuals looking to manage their everyday finances, we offer various personal banking services. You can open checking and savings accounts that suit your lifestyle, helping you save for future goals or simply keep your money secure. If you're considering purchasing a vehicle, our auto loans and vehicle financing options make it easier than ever to drive away with the car you want. Plus, if you're looking for a new home, our mortgage loans and refinancing solutions provide competitive rates and flexible terms.

Support for Your Financial Goals

Sometimes life throws unexpected expenses your way. That's where our personal loans and debt consolidation services come into play, helping you manage those costs effectively. And for those who enjoy rewards while spending, our credit cards with rewards can give back for every dollar spent.

Digital & Online Banking

At Har-co, we understand that banking should fit seamlessly into your life, not the other way around. That's why we offer a range of digital and online banking services designed to provide you with convenience and security at your fingertips. Whether you're on the go or relaxing at home, managing your finances has never been easier. Our online banking platform, accessible through https://www.harcocu.org/, allows you to check your account balances, transfer funds, and pay bills anytime you need to. You can even send money quickly with our person-to-person transfer feature, making it simple to share expenses with friends or family. Plus, if you prefer accessing your accounts through an app, our mobile application is available for download, putting all these tools right in your pocket. Keeping track of your statements is straightforward with our e-statements option. You'll receive your account statements electronically, which not only helps reduce paper clutter but also makes it easy to review your financial activity whenever you want. And rest assured, all of these services are backed by secure technology to protect your information. For those busy moments when you need to make payments on the fly, our mobile payments feature lets you pay using just your phone. No more digging for cash or cards just tap and go! We also offer 24/7 online banking services so you can manage your accounts whenever it suits you best. At Har-co, we're committed to providing a user-friendly experience with features that truly enhance how you bank. Join us today and discover the ease of digital banking!

Financial Strength

Conclusion

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 3422 Emmorton Rd Abingdon Md 21009 or call (410) 569-1012 to learn more about how we can help you achieve your financial goals.

Dedicated Team

We also take pride in having 55 full-time employees and 5 part-time employees who are dedicated to serving you with knowledge and commitment. With 27,996 accounts managed by our trustworthy team, it's clear that more members are placing their trust in us every day.

Investments Back Into Our Community

We have $16,282,437 in undivided earnings that we reinvest into innovative banking tools and stronger lending options. This ensures that we continue to enhance security measures while better serving our community's needs.

Lending Capacity

Our lending capacity supports your financial goals across various sectors, with $1,469 in used auto loans and a total of $183,677,456 in loans and leases available for our members. Our operational efficiency is highlighted by our $0, enabling us to keep offering competitive loan rates and solid financial products tailored for you.

Member-Focused Savings

Your savings are secure with us. We currently hold $39,424,782 in share certificates and $25,661,904 in money market shares, ensuring stable and rewarding growth opportunities for our members. Unlike traditional banks, we prioritize serving you our non-member deposits stand at $0, allowing us to focus our resources on providing you with the best possible benefits.

Our 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. This solid foundation is reflected in our net worth ratio of $938, which demonstrates our ability to sustain loans and provide competitive savings options 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 interested in financing a brand-new model or a reliable used vehicle, we have options tailored just for you.

Business Financing

For business owners in our community, we also offer outstanding commercial loans totaling $16,698,589. These loans provide essential capital needed for growth and expansion opportunities within your business. We encourage you to explore refinancing options if you're looking to lower your existing loan payments or adjust your borrowing terms. You may find that refinancing can significantly benefit your financial situation. Our dedicated team at Har-co is here to assist you every step of the way. If you have any questions about our loan offerings or would like to discuss eligibility options further, please don't hesitate to reach out at 410-569-1012. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Visit us today at 3422 Emmorton Rd Abingdon MD 21009 or check out our website here for more information on how we can support your financial journey!

Credit Lines and Unsecured Credit Cards

For those looking for flexibility in managing their finances, we provide credit lines totaling $77,181,750. Additionally, our unsecured credit card loans amounting to $7,306,316 are designed to help members handle unexpected expenses or larger purchases without the burden of high-interest rates.

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 aim to make the process easy and stress-free so you can focus on settling into your new home.

Loan Aggregator

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Harco