Har-co Credit Union Bel Air MD | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Har-co, your trusted financial partner located at 30 N Hickory Ave, Bel Air, MD 21014. Since our establishment in 1955, we have been dedicated to serving our community, fostering financial growth and stability for our 13,769 members. With total assets of $252,631,568, we proudly offer a range of services designed to meet the diverse needs of individuals and businesses alike. At Har-co, we understand that every member's journey is unique. That's why we provide tailored financial solutions, including personal banking options like checking and savings accounts, auto loans, mortgage financing, and credit cards with rewards. Our commitment to convenience shines through with online and mobile banking services that allow you to manage your finances anytime, anywhere. Our leadership team is here to support you. Under the guidance of CEO Gilbert Kennedy III and Board President Blaise Sedney, our dedicated staff of 60 employees is focused on ensuring that your experience with us is nothing short of excellent. Whether you have questions about your account or need assistance with a loan application, don't hesitate to reach out. You can call us at 410-838-9090 during our operating hours Monday through Wednesday from 7:30 a.m. to 5:00 p.m., Thursday and Friday until 7:00 p.m., and Saturday from 9:00 a.m. to 1:00 p.m. While members can visit us at our branch location, any official correspondence should be sent to the same address: 30 N Hickory Ave, Bel Air, MD 21014-3249. Join us at Har-co and discover how we can help you achieve your financial goals today! For more information or to become a member, visit our website at HarcoCU.org.

Branch History & Mission

Community Engagement

We take pride in being more than just a financial institution; we are an active participant in local initiatives. From partnerships with schools and non-profits to hosting financial literacy workshops, Har-co strives to make a difference in Bel Air and surrounding areas. As we look toward the future, we invite you to join our growing family at Har-co. Experience firsthand how we can help you navigate your financial journey while enriching our community together. Visit us online at HarcoCU.org or call us at (410) 838-9090 for more information about becoming a member today!

Our Mission

At Har-co, our mission is simple yet impactful: to empower our members through accessible financial services while actively supporting community growth. We believe that everyone deserves a chance to achieve their financial goals without unnecessary barriers. Our commitment extends beyond traditional banking; we aim to foster relationships built on trust and mutual respect. Our staff works diligently to provide top-notch service during our operating hours Monday through Wednesday from 7:30 AM to 5 PM, Thursday and Friday from 7:30 AM to 7 PM, and Saturday from 9 AM to 1 PM. We also offer convenient access through ATMs and drive-thru services for quick transactions. While members can visit us at 30 N Hickory Ave Bel Air Md 21014, official correspondence should be sent to 30 N Hickory Ave, Bel Air, MD 21014-3249.

Branch Location & Accessibility

Convenient Access

Our branch is nestled in a vibrant area of Harford County, close to local landmarks that make it easy to find. With ample parking available, you can park with ease and head inside without any hassle. We also pride ourselves on being ADA compliant, ensuring that all members can access our facilities comfortably.

Get in Touch

If you have questions or need assistance, don't hesitate to reach out! You can call us at 410-838-9090 or visit us during our hours of operation. While members can visit us at 30 N Hickory Ave, official correspondence should be sent to the same address for clarity. We look forward to welcoming you at Har-co! Stop by today and see how we can support your financial journey!

Operating Hours

At Har-co, we understand that life gets busy. That's why we offer flexible operating hours: Monday through Wednesday from 7:30 a.m. to 5:00 p.m., Thursday and Friday from 7:30 a.m. to 7:00 p.m., and Saturday from 9 a.m. to 1 p.m. Whether you're an early bird or prefer afternoon visits, we've got you covered!

Services Offered

Inside our branch, you'll find a range of services tailored just for you. From personal banking options like checking and savings accounts to auto loans and mortgages, we are dedicated to helping you achieve your financial goals. Need cash quickly? Our ATM is available for withdrawals and balance checks whenever you need it. Plus, enjoy the convenience of our drive-thru service for deposits and simple transactions.

Member Eligibility

Becoming a member of Har-co feels like joining a warm, welcoming family that truly cares about your financial well-being. If you live, work, or worship in Harford County, you're already eligible to become part of our community! We believe everyone deserves access to personalized financial services, and at Har-co, we pride ourselves on offering just that along with the chance to build lasting relationships. Our members enjoy competitive rates, excellent customer service, and a variety of financial products designed to help you achieve your goals. To get started on your journey with us, simply check out the detailed eligibility criteria at http://www.harcocu.org/become-a-member. It's an easy process to open an account too! You can begin by visiting our online portal at https://online.harcocu.org/auth/enrollment?culturename=en or give us a call at (410) 838-9090 if you have any questions. We're here to help you every step of the way as you take advantage of all the benefits being a member of Har-co has to offer.

Business Banking & Commercial Services

Merchant Services That Make Sense

In addition to loans, we offer merchant services that help streamline daily operations. Imagine having a reliable partner that simplifies payment processing so you can focus on what matters growing your business. From card processing to online payment solutions, our services are designed to enhance efficiency and customer satisfaction. Located at 30 N Hickory Ave Bel Air Md 21014, Bel Air, MD, we invite you to explore how Har-co can be a valuable partner in your business success. For more information, call us at (410) 838-9090 or visit our website at https://www.harcocu.org/.

Tailored 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.

Comprehensive List Of Services

Business Services

For our entrepreneurial members, we have dedicated resources under Business Banking that include Merchant Services & Business Loans. These services are tailored to help you grow your business efficiently while managing cash flow effectively.

Convenient Access

We recognize that time is precious. That's why our branch features both an ATM and a Drive-Thru Banking service for basic transactions like deposits and withdrawals making it easy for you to bank on your schedule. If you prefer banking from the comfort of your home, our online tools ensure you never miss a beat. At Har-co, we believe that comprehensive financial support should be accessible and straightforward. Our friendly team is always ready to assist you with any questions or guidance you may need along the way. If you're interested in learning more about how we can serve your financial needs, don't hesitate to reach out! Call us at (410) 838-9090, visit us at 30 N Hickory Ave Bel Air Md 21014, or explore our website at Main Branch. We look forward to helping you achieve your financial goals!

Credit Cards

In today's world, having a credit card can be essential. Our Credit Cards with Rewards not only offer convenience but also allow you to earn points for purchases that you already make daily. Whether you're traveling or shopping locally, our rewards program adds value to every transaction.

Loans and Financing

Thinking about buying a new car? Our Auto Loans & Vehicle Financing options provide competitive rates that help make your dream vehicle a reality. For those considering homeownership or refinancing, our Mortgage Loans & Refinancing services are designed to guide you through every step of the process. We also understand that life can throw unexpected expenses your way; that's why we offer Personal Loans & Debt Consolidation options to help ease your financial burden.

Personal Banking

When it comes to personal banking, we offer various Checking & Savings Accounts that fit different lifestyles. Imagine having the flexibility to access your funds anytime through our robust Online & Mobile Banking platforms. You can check balances, transfer money, and even pay bills with just a few taps on your smartphone.

Digital & Online Banking

Key Services

Our online banking platform, accessible at https://www.harcocu.org/, offers a wide range of features that make managing your money simple and efficient. You can check your account balances, transfer funds, and pay bills all in one place. Plus, with 24/7 online banking services, you're never far from your financial information. For those who prefer using their mobile devices, our user-friendly mobile application lets you handle transactions quickly and easily. Whether you're making payments or checking statements, everything is right at your fingertips. If you're out shopping, take advantage of our mobile payments feature to complete transactions securely without needing cash or cards.

Security and Accessibility

Your security is our top priority. While we don't currently offer electronic signature authorization, we ensure that all transactions are protected with advanced security measures. You can feel confident knowing that your information is safe while you enjoy the benefits of easy banking. Additionally, we offer e-statements for those who wish to go paperless. This not only helps the environment but also allows you to access your statements anytime without digging through piles of paperwork. For members who need to send money quickly to friends or family, our person-to-person transfer feature makes it easy. Just link up with someone's account and send funds instantly no hassle required! At Har-co, we believe banking should be straightforward and accessible for everyone. Join us in embracing the future of finance with our comprehensive digital and online banking solutions!

Financial Strength

A Committed Team at Your Service

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 ready to assist you whenever you need help.

Growing Together

Total Share and Deposit Accounts: 27,996, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $0. 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 30 N Hickory Ave Bel Air Md 21014 or call (410) 838-9090 to learn more about how we can help you achieve your financial goals.

Member-Centric 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.

Reinvesting in Your Future

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. Additionally, our lending capacity supports your financial goals across various sectors with $1,469 in used auto loans and $183,677,456 in total loans and leases.

Solid Financial Foundation

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 interested in financing a brand-new model or a reliable used vehicle, our team is here to guide you through every step of the process.

Business Loans

For business owners, our outstanding commercial loans totaling $16,698,589 provide the capital needed to grow and expand your business. We know how vital it is for entrepreneurs to have access to funds when opportunities arise.

Credit Card Loans

For those looking for flexible financing options, we also offer unsecured credit card loans with a total of $7,306,316 in loans available. This product is ideal for managing everyday expenses while enjoying peace of mind with competitive interest rates and terms tailored to your needs.

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 believe that everyone deserves a place they can call home, and our mortgage products are designed to make that dream achievable.

Refinancing Options

If you're considering refinancing any existing loans, our experienced team can help you explore eligibility options that may lower your payments or improve your terms. It's all about finding what works best for you. To learn more about our loan offerings or start your application today, give us a call at 410-838-9090 or visit our website at harcocu.org. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Loan Aggregator

Benefits of Using LendMesh

LendMesh stands out for several key reasons: - Verified Data: All loan offers come from reputable financial institutions, guaranteeing transparency in every comparison. - No Sponsored Listings: Unlike many platforms that prioritize lenders based on paid promotions, LendMesh presents unbiased results to ensure users get the best options available. - Real-Time Rate Comparisons: Users can access up-to-date loan rates from multiple institutions, empowering them to make informed decisions quickly. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimonial highlights how effective and reliable the tool can be for everyday consumers. If you're ready to explore your options, compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

How LendMesh Ensures Accurate Loan Comparisons

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 ensures that all loan offers are fair and transparent. By relying on verified data from legitimate financial institutions, LendMesh helps users avoid misleading offers that can lead to costly mistakes.

Harco

Introduction

Branch History & Mission

Community Engagement

Our Mission

Branch Location & Accessibility

Convenient Access

Get in Touch

Operating Hours

Services Offered

Member Eligibility

Business Banking & Commercial Services

Merchant Services That Make Sense

Tailored Loan Options

Comprehensive List Of Services

Business Services

Convenient Access

Credit Cards

Loans and Financing

Personal Banking

Digital & Online Banking

Key Services

Security and Accessibility

Financial Strength

A Committed Team at Your Service

Growing Together

Member-Centric Savings Options

Reinvesting in Your Future

Solid Financial Foundation

Loan Offering

Auto Loans

Business Loans

Credit Card Loans

Mortgage Loans

Refinancing Options

Loan Aggregator

Benefits of Using LendMesh

How LendMesh Ensures Accurate Loan Comparisons

Join Our Community