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 18.00% variable after the 0% period (disclosure effective Sept 17, 2026) after a 0% for 6 months on purchases and balance transfers introductory rate for 6 months. Approval typically requires a credit score of Good or No Credit or higher. Rewards: Unlimited 5% cash back on Amazon, DoorDash and college bookstores, and 1% cash back on everything else. This product reports activity to your personal credit report.