Harford Bank

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.harfordbank.com

410-272-5000

8 West Belair Avenue
Aberdeen, MD 21001

Harford Bank is headquartered in ABERDEEN and is the 14^th largest bank in the state of Maryland. It is also the 1,348^th largest bank in the nation. It was established in 1964 and as of March of 2025, it had grown to 90 employees at 9 locations. Harford Bank's money market rates are 9X the national average, and it has an A health rating.

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Health

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	19101
Year Established	1964
Employees	90
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.85%
Return on Equity - YTD	9.29%
Annual Interest Income	$8.5MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$720.6MM$678.4MM
Loans	Q1 2025vs Q1 2024	$484.1MM$504.1MM
Deposits	Q1 2025vs Q1 2024	$649MM$571.1MM
Equity Capital	Q1 2025vs Q1 2024	$66.3MM$60.3MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$5.8MM$5.7MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$6.7MM$6.3MM
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Harford Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.25%	$0	-	Regular Statement Savings Account
0.06%	$0	-	Commercial Statement Savings Account

Harford Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
3.75%^*	$5m^*	-	Community Money Market Account
OTHER TIERS: 0.20% → $1 - $10k \| 0.25% → $10k - $25k \| 0.40% → $25k - $50k \| 0.75% → $50k - $100k \| 1.00% → $100k - $250k \| 1.25% → $250k - $500k \| 1.30% → $500k - $1m \| 2.00% → $1m - $5m
3.75%^*	$5m^*	-	Commercial Money Market
OTHER TIERS: 0.20% → $1 - $10k \| 0.25% → $10k - $25k \| 0.40% → $25k - $50k \| 0.75% → $50k - $100k \| 1.00% → $100k - $250k \| 1.25% → $250k - $500k \| 1.30% → $500k - $1m \| 2.00% → $1m - $5m

Harford Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.12%^*	$100k^*	-	Premium Commercial Checking
OTHER TIERS: 0.05% → $35k - $50k \| 0.08% → $50k - $100k
0.12%	$0	-	IOLTA
0.12%	$0	-	MAHT
0.05%	$0	-	Community Checking Premier Plus
0.02%	$0	-	Community Checking Premier
0.02%	$0	-	Select Checking (Sole Proprietors & Non Profit Organizations Only)

Harford Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.00%	$1k	$100k	15 Month CD
4.00%	$1k	$100k	Business 15 Month CD
3.90%	$1k	$100k	9 Month CD
3.90%	$1k	$100k	Business 9 Month CD
3.85%	$1k	$100k	6 Month CD
3.85%	$1k	$100k	Business 6 Month CD
3.75%	$1k	-	Business 91 Day CD
3.75%	$1k	-	91 Day CD
3.70%	$1k	$100k	12 Month CD
3.70%	$1k	$100k	Business 12 Month CD
3.70%	$1k	-	13 Month CD
3.70%	$1k	-	Business 13 Month CD
3.55%	$1k	$100k	18 Month CD
3.55%	$1k	$100k	Business 18 Month CD
3.40%	$5k	-	21 Month CD Special - New Money
3.40%	$5k	-	Business 21 Month CD Special - New Money
3.30%	$5k	-	21 Month CD Special
3.30%	$5k	-	Business 21 Month CD Special
3.00%	$1k	-	24 Month CD
3.00%	$1k	-	Business 24 Month CD
2.85%	$1k	$100k	60 Month CD
2.85%	$1k	$100k	Business 60 Month CD
2.75%	$1k	$100k	23 Month Step-up CD
2.75%	$1k	$100k	48 Month Step-up CD
2.75%	$1k	$100k	Business 23 Month Step-up CD
2.75%	$1k	$100k	Business 48 Month Step-up CD
2.75%	$1k	-	Business 42 Month CD
2.75%	$1k	-	42 Month CD
2.55%	$1k	-	36 Month CD
2.55%	$1k	-	Business 36 Month CD
2.40%	$1k	$100k	30 Month CD
2.40%	$1k	$100k	Business 30 Month CD
0.20%	$1k	-	Business 31 Day CD
0.20%	$1k	-	31 Day CD

Harford Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME
4.00%	$250	$100k	15 Month IRA
3.90%	$250	$100k	9 Month IRA
3.85%	$250	$100k	6 Month IRA
3.70%	$250	$100k	12 Month IRA
3.70%	$250	-	13 Month IRA
3.55%	$250	$100k	18 Month IRA
3.00%	$250	-	24 Month IRA
2.85%	$250	$100k	60 Month IRA
2.75%	$250	$100k	23 Month Step-up IRA
2.75%	$250	$100k	48 Month Step-up IRA
2.55%	$250	-	36 Month IRA
2.40%	$250	$100k	30 Month IRA

Locations

Cities: Aberdeen, Abingdon, Bel Air, Elkton, Havre De Grace, Jarrettsville, Joppatowne

Aberdeen Branches
Harford Bank	8 W Bel Air Ave	Aberdeen, MD 21001

Abingdon Branches
Box Hill Branch	2905 Emmorton Road	Abingdon, MD 21009

Bel Air Branches
Hickory Branch	1610 Conowingo Road	Bel Air, MD 21014
Bel Air Branch	505 South Main Street	Bel Air, MD 21014
Marketplace Drive Branch	545 Marketplace Drive	Bel Air, MD 21014

Elkton Branches
Elkton Branch	133 N. Bridge Street	Elkton, MD 21921
Southfield Branch	305 Augustine Herman Highway	Elkton, MD 21921

Havre De Grace Branches
Havre De Grace Branch	960 Revolution Street	Havre De Grace, MD 21078

Jarrettsville Branches
Jarrettsville Branch Office	3891jarrettsville Pike	Jarrettsville, MD 21084

Joppatowne Branches
Joppatowne Branch	501 Riviera Drive	Joppatowne, MD 21085

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