Horizons Federal Credit Union

Overview / Commentary
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 1,546th largest credit union in the nation. It was established in 1937 and as of September of 2019, it had grown to 29 employees and 11,977 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: |

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 - YTD0.39%
Return on Equity - YTD3.24%
Annual Interest Income$3.3MM
Assets and Liabilities
AssetsQ3 2019vs Q3 2018$111.9MM$110.9MM
LoansQ3 2019vs Q3 2018$86.0MM$78.9MM
DepositsQ3 2019vs Q3 2018$97.9MM$96.0MM
Equity CapitalQ3 2019vs Q3 2018$13.3MM$13.0MM
Loan Loss AllowanceQ3 2019vs Q3 2018$625.00K$585.00K
Unbacked Noncurrent LoansQ3 2019vs Q3 2018$823.00K$772.00K
Real Estate OwnedQ3 2019vs Q3 2018$0$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
0.10%$5-Kids 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
2.27%$500-2 1/2 Year Certificate
1.51%$100$500Kids Under 16 Certificate
1.00%$500-1 Year Certificate
0.90%$500-6 Month Certificate
0.50%$500-90 Day Certificate

Horizons Federal Credit Union IRA Rates

2.53%$500-5 Year IRA Certificate
2.27%$500-2 1/2 Year IRA Certificate
1.00%$500-1 Year IRA Certificate
0.90%$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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