Horizon Federal Credit Union

Overview / Commentary
2849 Reach Rd
Williamsport, PA 17701

Horizon Federal Credit Union is headquartered in Williamsport and is the 84th largest credit union in the state of Pennsylvania. It is also the 1,877th largest credit union in the nation. It was established in 1955 and as of December of 2019, it had grown to 28 employees and 11,099 members at 3 locations. Horizon Federal Credit Union's money market rates are 14% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership in Horizon Federal Credit Union is open to those who live, work, worship, attend school in the Pennsylvania counties of Bradford, Clinton, Lycoming, Northumberland, Potter, Sullivan, or Union.
See current membership details


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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

NCUA #10687
Year Chartered1955
Primary Regulator
Profit Margin
Return on Assets - YTD0.39%
Return on Equity - YTD3.98%
Annual Interest Income$3.3MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$78.0MM$77.2MM
LoansQ4 2019vs Q4 2018$57.9MM$55.1MM
DepositsQ4 2019vs Q4 2018$70.2MM$69.0MM
Equity CapitalQ4 2019vs Q4 2018$7.5MM$7.2MM
Loan Loss AllowanceQ4 2019vs Q4 2018$212.00K$230.00K
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$606.00K$907.00K
Real Estate OwnedQ4 2019vs Q4 2018$42.00K$42.00K
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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

0.85%*$100k*-Horizon Saver
OTHER TIERS: 0.25% Up to $25k | 0.50% $25k - $100k
0.15%*$5k*$250kMembership Savings
OTHER TIERS: 0.05% $30 - $5k
0.15%$30$250kIRA Savings Account
0.15%*$5k*-Business Savings
OTHER TIERS: 0.05% $30 - $5k
0.10%--Holiday Club
0.10%--You Name It Saver(s)

Horizon Federal Credit Union Money Market Rates

0.50%*$150k*-Money Market
OTHER TIERS: 0.15% Up to $50k | 0.35% $50k - $150k
0.50%*$150k*-Business Money Market
OTHER TIERS: 0.15% Up to $50k | 0.35% $50k - $150k

Horizon Federal Credit Union Checking Account Rates

3.04%*-$25kAdvantage Checking - Qualifying
OTHER TIERS: 0.15% $25k+
1.25%*-$25kReward Checking - Qualifying
OTHER TIERS: 0.15% $25k+
0.40%*$100k*-Business Venture Checking
OTHER TIERS: 0.10% Up to $25k | 0.25% $25k - $100k
0.25%*$25k*-Community Checking
OTHER TIERS: 0.10% Up to $25k

Horizon Federal Credit Union CD Rates

1.77%$500-60 Month CD
1.46%$500-48 Month CD
1.36%$500-36 Month CD
1.25%$500-60 Month Business CD
1.16%$500-24 Month CD
1.05%$500-48 Month Business CD
0.95%$500-36 Month Business CD
0.85%$500-18 Month CD
0.75%$500-12 Month CD
0.75%$500-24 Month Business CD
0.65%$500-18 Month Business CD
0.50%$500-12 Month Business CD

Horizon Federal Credit Union Locations
Branch Office217 W BALD EAGLE STLOCK HAVEN, PA 17745
Branch Office1007 E 3rd StWILLIAMSPORT, PA 17701
Corporate Office2849 Reach RdWilliamsport, PA 17701

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