Overview / Commentary
120 Main St
Binghamton, NY 13905

Horizons Federal Credit Union is headquartered in Binghamton and is the 67th largest credit union in the state of New York. It is also the 1,538th largest credit union in the nation. It was established in 1937 and as of December of 2018, it had grown to 30 employees and 11,781 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 Grade Components

NCUA #2041
Year Chartered1937
Primary Regulator
Profit Margin
Return on Assets - YTD0.24%
Return on Equity - YTD2.01%
Annual Interest Income$3.9MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$109.9MM$107.6MM
LoansQ4 2018vs Q4 2017$78.4MM$66.1MM
DepositsQ4 2018vs Q4 2017$96.6MM$94.6MM
Equity CapitalQ4 2018vs Q4 2017$13.0MM$12.7MM
Loan Loss AllowanceQ4 2018vs Q4 2017$550.00K$418.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$689.00K$685.00K
Real Estate OwnedQ4 2018vs Q4 2017$15.00K$0
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Horizons Federal Credit Union Savings Account Rates

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

0.30%$2.5k-Money Market Account

Horizons Federal Credit Union CD Rates

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

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

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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