FREE Checking: Includes Everything!
- Friendly Branch Tellers - Open 58 hours a week
- Drive Thru Tellers and ATMs
- FREE Instant Issue, Ready to Use Visa Check/ATM Card with Mobile Security Controls
- FREE 24/7 Online Banking, Online Bill Pay, Mobile Banking, Telephone Teller
- FREE Monthly Paper or eStatements
- FREE Box of Basic Personal Checks Annually
- NO Monthly Maintenance Charges
- NO Minimum Balance Requirement
- In-House Call Center
Visa Credit Cards: No Surprises!
- 9.45% APR*
- Same Rate for Over 15 Years
- Instant Issue, Ready to Use EMV Chip Card
- Mobile App Control and Security
- 2% Cash Back for the First 2 Balance Transfers
- 1% Unlimited Cash Back on all Purchases
- NO Annual Fee, Balance Transfer Fees or Cash Advance Fees
- In-House Call Center
*APR = Annual Percentage Rate. Rate subject to change. Limit of two balance transfers per member. Balance must remain on loan for 60 days, not including regular minimum payments in order to qualify for cash back. Subject to credit approval. Please refer to the terms and conditions of the credit card agreement for complete details. CardValet is a registered trademark of Fiserv, Inc.
AUTO LOANS: New, Used or Refinance - Same Great Rate!
- A $25K Loan Can Have a Monthly Payment as Low as $334.00*
- Rates as Low as 2.79% APR**
- for a 36-39 Month Loan
- 100% Financing - 0% Down
- Gap Insurance for $349.00
- 1st Time Car Buyer Program
*Rate 3.29%, term 84 months. Subject to credit approval. HAR-CO Credit Union finances 100% of MSRP (new vehicles) or the NADA Retail value (used vehicles). Refinance restrictions apply. Ask for details.
**APR = Annual Percentage Rate.
Home Equity Line of Credit
- 4.25% APR* as Low as Rate vs. Prime Rate of 5.00%
- NO Closing Costs**
- Low Monthly Payments
- Interest Only Payment Option
- Flexible Alternative to a Reverse Mortgage
*CURRENT APR IS 4.25% as of 6/18/18 if you qualify. APR = Annual Percentage Rate. We will discount the standard rate of Prime +0% (currently 5.00%) by 0.25% for having HAR-CO free checking with autopay, plus 0.25% for credit strength, and 0.25% for collateral strength. Rate changes with Prime. Prime rate can change. **No Closing Cost Option available if initial draw is $15,000.00 or more. If less than $15,000.00 you will be charged third party fees ranging between $0.00 and $1,700.00. If balance is paid off or plan is closed within 36 months of being opened you must reimburse to HAR-CO third party fees paid for you. The HELOC program is available in MD, PA and DE. Property insurance is required. Loan subject to credit approval. Ask for details.
1st Mortgage Loans
First Time Home Buyer • New Home Purchase • Refinancing
- 30 Year Mortgage Options:
- Fixed Rate 5 Years 3.25%** (5/1 ARM) NO Points
- Down Payment as Little as 5% with PMI
- 100% Financing, 80-20 Mortgages, No Money Down, No PMI
- In-House Decisions for Fast, Smooth Transactions
- Mortgage Stays at HAR-CO
- Mortgage Terms from 7 to 30 Years
Loans subject to credit approval. Offer available for purchases and refinances in MD, DE, PA. Must be primary residence. Property insurance required. Escrow options available. Rates subject to change. *360 monthly payments of $1,013.37 at 4.50% for each $200,000 borrowed. **Initial 60 monthly payments of $870.41 at 3.25% (5/1 ARM) for each $200,000 borrowed. Ask for details.
410-838-9090 • 410-879-3762 • www.harcocu.org
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*All rates listed in this ad are effective 6/18/2018. Most Harford County households can open an account with us. HAR-CO NMLS# 627401
Federally Insured by NCUA