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Harford Bank


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/20/2025
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
APY APY = Annual Percentage Yield Rates as of 7/20/2025
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
APY APY = Annual Percentage Yield Rates as of 7/20/2025
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
APY APY = Annual Percentage Yield Rates as of 7/20/2025
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
APY APY = Annual Percentage Yield Rates as of 7/20/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/20/2025
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
Bonus Amount
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 14th largest bank in the state of Maryland. It is also the 1,348th 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
A

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #19101
Year Established1964
Employees90
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.85%
Return on Equity - YTD9.29%
Annual Interest Income$8.5MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$720.6MM$678.4MM
LoansQ1 2025vs Q1 2024$484.1MM$504.1MM
DepositsQ1 2025vs Q1 2024$649MM$571.1MM
Equity CapitalQ1 2025vs Q1 2024$66.3MM$60.3MM
Loan Loss AllowanceQ1 2025vs Q1 2024$5.8MM$5.7MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$6.7MM$6.3MM
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/20/2025
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
APY APY = Annual Percentage Yield Rates as of 7/20/2025
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
APY APY = Annual Percentage Yield Rates as of 7/20/2025
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
APY APY = Annual Percentage Yield Rates as of 7/20/2025
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
APY APY = Annual Percentage Yield Rates as of 7/20/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/20/2025
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
Bonus Amount
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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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Harford Bank Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%$0-Regular Statement Savings Account
0.06%$0-Commercial Statement Savings Account

Harford Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%$1k$100k9 Month CD
4.00%$1k$100kBusiness 9 Month CD
3.85%$1k$100k6 Month CD
3.85%$1k$100kBusiness 6 Month CD
3.75%$1k-Business 91 Day CD
3.75%$1k-91 Day CD
3.70%$1k$100k12 Month CD
3.70%$1k$100kBusiness 12 Month CD
3.70%$1k-13 Month CD
3.70%$1k-Business 13 Month CD
3.60%$1k$100k15 Month CD
3.60%$1k$100kBusiness 15 Month CD
3.55%$1k$100k18 Month CD
3.55%$1k$100kBusiness 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$100k60 Month CD
2.85%$1k$100kBusiness 60 Month CD
2.75%$1k$100k23 Month Step-up CD
2.75%$1k$100k48 Month Step-up CD
2.75%$1k$100kBusiness 23 Month Step-up CD
2.75%$1k$100kBusiness 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$100k30 Month CD
2.40%$1k$100kBusiness 30 Month CD
0.20%$1k-Business 31 Day CD
0.20%$1k-31 Day CD

Harford Bank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%$250$100k9 Month IRA
3.85%$250$100k6 Month IRA
3.70%$250$100k12 Month IRA
3.70%$250-13 Month IRA
3.60%$250$100k15 Month IRA
3.55%$250$100k18 Month IRA
3.00%$250-24 Month IRA
2.85%$250$100k60 Month IRA
2.75%$250$100k23 Month Step-up IRA
2.75%$250$100k48 Month Step-up IRA
2.55%$250-36 Month IRA
2.40%$250$100k30 Month IRA
Locations


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

Aberdeen Branches
Harford Bank8 W Bel Air AveAberdeen, MD 21001

Abingdon Branches
Box Hill Branch2905 Emmorton RoadAbingdon, MD 21009

Bel Air Branches
Hickory Branch1610 Conowingo RoadBel Air, MD 21014
Bel Air Branch505 South Main StreetBel Air, MD 21014
Marketplace Drive Branch545 Marketplace DriveBel Air, MD 21014

Elkton Branches
Elkton Branch133 N. Bridge StreetElkton, MD 21921
Southfield Branch305 Augustine Herman HighwayElkton, MD 21921

Havre De Grace Branches
Havre De Grace Branch960 Revolution StreetHavre De Grace, MD 21078

Jarrettsville Branches
Jarrettsville Branch Office3891jarrettsville PikeJarrettsville, MD 21084

Joppatowne Branches
Joppatowne Branch501 Riviera DriveJoppatowne, MD 21085

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