Horizon Federal Credit Union

Overview / Commentary

www.horizonfcu.org

570-326-3636

2849 Reach Rd
Williamsport, PA 17701

Horizon Federal Credit Union is headquartered in Williamsport and is the 83^rd largest credit union in the state of Pennsylvania. It is also the 1,856^th largest credit union in the nation. It was established in 1955 and as of June of 2019, it had grown to 28 employees and 10,930 members at 3 locations. Horizon Federal Credit Union's money market rates are 93% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership is open to those who live, work, worship, attend school or any business or legal entities in Lycoming or Clinton County.
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Health

B+

Data as of Q2 2019

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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Horizon Federal Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #	10687
Year Chartered	1955
Employees	28
Primary Regulator

Profit Margin
Return on Assets - YTD	0.26%
Return on Equity - YTD	2.75%
Annual Interest Income	$1.7MM

Assets and Liabilities
Assets	Q2 2019vs Q2 2018	$79.3MM$79.5MM
Loans	Q2 2019vs Q2 2018	$56.5MM$52.4MM
Deposits	Q2 2019vs Q2 2018	$71.1MM$71.6MM
Equity Capital	Q2 2019vs Q2 2018	$7.3MM$7.0MM
Loan Loss Allowance	Q2 2019vs Q2 2018	$217.00K$220.00K
Unbacked Noncurrent Loans	Q2 2019vs Q2 2018	$318.00K$757.00K
Real Estate Owned	Q2 2019vs Q2 2018	$43.00K$0

Rates

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Savings
Money Market
Checking
CD

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

Horizon Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.50%^*	$100k^*	-	Horizon Saver
OTHER TIERS: 0.75% → Up to $25k \| 1.00% → $25k - $100k
0.50%	$30	$250k	IRA Savings Account
0.25%^*	$5k^*	$250k	Membership Savings
OTHER TIERS: 0.15% → $30 - $5k
0.15%	-	-	Holiday Club
0.15%	-	-	You Name It Saver(s)

Horizon Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.85%^*	$150k^*	-	Money Market
OTHER TIERS: 0.40% → Up to $50k \| 0.75% → $50k - $150k

Horizon Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
3.50%^*	-	$25k	Advantage Checking - Qualifying
OTHER TIERS: 0.50% → $25k+
2.02%^*	-	$25k	Reward Checking - Qualifying
OTHER TIERS: 0.25% → $25k+
0.75%^*	$100k^*	-	Business Venture Checking
OTHER TIERS: 0.10% → Up to $25k \| 0.40% → $25k - $100k
0.25%^*	$25k^*	-	Community Checking
OTHER TIERS: 0.10% → Up to $25k

Horizon Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.53%	$500	-	60 Month CD
2.53%	$500	-	60 Month Business CD
2.47%	$500	-	48 Month CD
2.47%	$500	-	48 Month Business CD
2.32%	$500	-	36 Month CD
2.32%	$500	-	36 Month Business CD
2.27%	$500	-	24 Month CD
2.27%	$500	-	24 Month Business CD
2.01%	$500	-	18 Month CD
2.01%	$500	-	18 Month Business CD
1.66%	$500	-	12 Month CD
1.66%	$500	-	12 Month Business CD

Locations

Horizon Federal Credit Union Locations
Branch Office	217 W BALD EAGLE ST	LOCK HAVEN, PA 17745
Branch Office	1007 E 3rd St	WILLIAMSPORT, PA 17701
Corporate Office	2849 Reach Rd	Williamsport, PA 17701

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