The Har-Co Credit Union is a personal credit card from Har-Co Credit Union. The annual fee is $0. The ongoing APR is 11.74% to 13.29% variable (disclosure effective Sept 17, 2026) after a 0% for 12 months on purchases and balance transfers introductory rate for 12 months. Approval typically requires a credit score of Excellent Credit or higher. Rewards: 5% local cashback and 2% everywhere else. This product reports activity to your personal credit report.