Har-co Credit Union
Headquarters
30 N Hickory Ave
Bel Air, MD 21014
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Reviewed by Kschleic | November 20, 2021 |
I will not ever do business with this credit union again. I had a auto loan with them. I would deposit my money in my savings and they would transfer to loan. However, there was a problem on their end and for 3 weeks, had issues doing the transfer. They sent something to the credit agencies saying I was delinquent, even though they were having the issue. They have not corrected the delinquent issue with credit agencies. The money was in my account. I finally refinanced the auto with a much better credit union. Never, never do business with this credit!!!!
2024 Overview
General Credit Union Information
Har-co is an NCUA insured institution located in Bel Air, MD. It was founded in 1955 and has approximately $256.73 millions in assets.
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 68639 |
| Date Established | 1955 |
| Assets | $256.73 million |
| Loans | $178.96 million |
| Deposits | $230.31 million |
| Capital | $23.29 million |
Field of Membership Restrictions
Har-Co Credit Union of Maryland is open to the educators, staff, employees, students, and the families of students within the county of Harford and the family members of credit union members.
Deposit Rates - November 17, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.07% | $2,500 | $4,999 |
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|
|
Money Market
|
0.07% | $2,500 | $2,999 |
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|
|
Money Market
|
0.07% | $10,000 | $14,999 |
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|
|
Money Market
|
0.07% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.09% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.09% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.12% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.12% | $100,000 | $199,999 |
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|
| 18 Mo CD
|
0.18% | $10,000 | $14,999 |
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|
| 18 Mo CD
|
0.18% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.20% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.20% | $100,000 | $199,999 |
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|
| 30 Mo CD
|
0.25% | $10,000 | $14,999 |
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|
| 30 Mo CD
|
0.25% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
0.30% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
0.30% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
0.45% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
0.45% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
0.60% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
0.60% | $100,000 | $199,999 |
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|
| Variable IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Var IRA
|
0.07% | $1 | $499 | Learn More |
Loan Rates - November 17, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Har-co
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 1835285 |
6.494% | 6.375% | 0.75 | $4,000 | $1,997 | Learn More |
NMLS ID: 1025894 |
6.868% | 6.750% | 1.00 | $3,884 | $2,076 | Learn More |
NMLS ID: 1907 |
7.181% | 7.125% | 0.63 | $1,802 | $2,156 | Learn More |
NMLS ID: 3030 |
7.225% | 7.125% | 1.00 | $3,200 | $2,156 | Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
Intro APR 7.490 % After Intro: 7.490 % |
$0 |
Learn More
More Info |
Note to Har-co
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Branches
Below are Har-co branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
Har-co Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 353.66 | A | View Lobby Hours | |
| 356.12 | B | View Lobby Hours | |
| 362.68 | C | View Lobby Hours |
Climate Policy and Initiatives
HAR-CO is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
Har-co Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Har-co. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| Har-co | U.S. Average |
|---|---|
| 4.48% | 5.83 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of June 30, 2024, Har-co had $829,261 in non-current loans and $247,000 in owned assets. To cover these potential losses it had $23,294,899 in net worth and $729,345 in loans loss reserves. That gives it a Texas Ratio of 4.48%.
Net Worth
| Har-co | U.S. Average |
|---|---|
| 9.26% | 13.93% |
Har-co FCU has a net worth of 9.26% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Har-co
Kschleic
November 20, 2021 |
I will not ever do business with this credit union again. I had a auto loan with them. I would deposit my money in my savings and they would transfer to loan. However, there was a problem on their end and for 3 weeks, had issues doing the transfer. They sent something to the credit agencies saying I was delinquent, even though they were having the issue. They have not corrected the delinquent issue with credit agencies. The money was in my account. I finally refinanced the auto with a much better credit union. Never, never do business with this credit!!!!
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