Overview / Commentary
607-724-5876
120 Main St
Binghamton, NY 13905

Horizons Federal Credit Union is headquartered in Binghamton and is the 70th largest credit union in the state of New York. It is also the 1,519th largest credit union in the nation. It was established in 1937 and as of June of 2018, it had grown to 31 employees and 11,796 members at 3 locations. Horizons Federal Credit Union's CD rates are 11% higher than the national average, and it has an A health rating.

Field of Membership Restrictions

Horizons FCU’s offers membership to those people who live, work, worship, or attends school as well as, businesses and other legal entities in, Broome County, NY.
See current membership details

Reviews (1)

Horizons is a friendly place to do business

Posted by: Nancy2 | May 25, 2014

My husband and first went to Horizons to get a car loan at the suggestion of a used car business. They had competitive loan rates. It was easy to go through the application process. Since then we have opened other accounts there. The only issue we have had was with setting up online payments to our son who is attending college out of state. That was a frustrating process and we ended up talking to a manager to get it straight. All in all we are happy with Horizons as a credit union.



Health

Health Grade Components

Overall
NCUA #2041
Year Chartered1937
Employees31
Primary Regulator
Profit Margin
Return on Assets - YTD0.07%
Return on Equity - YTD0.63%
Annual Interest Income$1.9MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$113.0MM$109.9MM
LoansQ2 2018vs Q2 2017$76.5MM$63.9MM
DepositsQ2 2018vs Q2 2017$99.6MM$96.9MM
Equity CapitalQ2 2018vs Q2 2017$12.8MM$12.6MM
Loan Loss AllowanceQ2 2018vs Q2 2017$525.00K$433.00K
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$618.00K$565.00K
Real Estate OwnedQ2 2018vs Q2 2017$0$0
Rates
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Horizons Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%$5-IRA Savings Account
0.10%$150-Regular Savings Account
0.10%$5-Christmas Club Account
0.10%--Mortgage Escrow Account
0.10%$5- Vacation Club Account

Horizons Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%$2.5k-Money Market Account

Horizons Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.53%$500-5 Year Certificate
2.17%$500-2 1/2 Year Certificate
1.51%$100$500Kids Under 16 Certificate
1.00%$500-1 Year Certificate
0.75%$500-6 Month Certificate
0.50%$500-90 Day Certificate

Horizons Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.53%$500-5 Year IRA Certificate
2.17%$500-2 1/2 Year IRA Certificate
1.00%$500-1 Year IRA Certificate
0.75%$500-6 Month IRA Certificate
0.50%$500-90 Day IRA Certificate
Locations


Horizons Federal Credit Union Locations
Branch Office120 Main StBinghamton, NY 13905
Branch Office3701 Vestal Pkwy EVestal, NY 13850-2397
Branch Office519 Hooper RdEndwell, NY 13760

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