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Why Pay for the Whole Car?

Driving Sense is Horizons FCU's newest auto loan program, offering you low monthly payments on new and used vehicles with no money down! Unlike a lease program, you own the vehicle and receive all the benefits that come with ownership, yet have the ability to turn the car in at the end of a predetermined term with no penalty.

The Driving Sense program is here! To compare rates and see how much you can save on your next Driving Sense auto loan, click here to visit the Driving Sense calculator.

Have a Loan with Another Local Institution?

We'll match or beat it!

Just bring us your loan information from another local institution and we'll match or beat the rate AND give you 1% cash back* when you refinance with us, from now through September 30th!

*1% cash back on all eligible loans, up to $150 in rewards. Rates based on credit worthiness and relationship discounts with Horizons FCU. Loans currently financed with Horizons FCU not eligible for rebate. Loans must be in good standing. Verification of current rate is required. Certain restrictions may apply. See a member service specialist for complete details.

Our Best Rates EVER!

Looking for a new or used car? Now is the time with our best rates ever on new and used auto loans, model year 2007-new.

Rates as low as 1.89% APR for 60 months and as low as 2.59% APR for 72 months.

*APR = Annual Percentage Rate. Rates based on credit worthiness and relationship discounts with Horizons FCU. New money loans only. More rates and terms available. See a member service specialist for complete details.


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The Credit Union Difference

Not for profit, not for charity, but for service.

Horizons Federal Credit Union is a member-owned, Binghamton-based financial institution with products and services to meet all your financial needs. Since 1937, we have been helping our members through low-rate loans, outstanding savings products, and friendly service.

Horizons FCU, formerly the U.S. Employees Federal Credit Union, was established in Binghamton in 1937 for postal employees and in the early years, only federal employees and their immediate families were allowed to join. Since that time our credit union has added smaller credit unions through the merger process. The name was changed to Horizons FCU in 1999 to better identify us with our community and the diverse group we serve. In August 2000, Horizons FCU was granted a Community Charter, which allows any person who lives, works, worships or attends school in, and businesses and other legal entities located in Broome County, NY, to join Horizons FCU.


Independently Rated & Recommended

Awarded June 2013
Horizons has again received the 5 star rating from Bauerfinancial, Inc.



Becoming a member of Horizons Federal Credit Union is easy and will give you access to many products and services. Call us at (607) 724-5876 or stop in to one of our three convenient locations today to see why Horizons FCU is the place where you belong!

Member Cellular Discounts with Sprint      RXSavingsPlus176x120.jpg


Horizons FCU is an Elder Friendly Business

Horizons FCU's Binghamton and Vestal locations are certified Elder Friendly by Action for Older Persons, Inc. AOP’s Elder Friendly Business Certification program trains volunteers to pose as mystery shoppers who evaluate businesses from the perspective of an older customer. The program’s goal is to make sure that when older adults do business with participating retailers, they feel welcomed and appreciated.

During the evaluation, AOP’s volunteer evaluators scrutinized how employees answered the phone and their ability to respond to general questions. Evaluators looked at access to services, and most importantly, the evaluators checked on customer service.


Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the National Credit Union Administration, a US Government Agency.

Remember, Horizons FCU will never solicit personal information via e-mail.

  • 24-Hour ATMs are available at our Binghamton and Vestal locations, and our Endwell branch features a 24-Hour Drive-Up ATM.

  • Horizons Federal Credit Union's partnership with Manley's Mighty Mart allows Horizons members to use their Horizons debit/ATM cards at any Manley's Mighty Mart ATM without incurring ATM fees. To find a Manley's Mighty Mart with a Horizons ATM nearest you click here.

  • As part of the CO-OP Network, Horizons FCU members have surcharge-free access to 25,000 ATMs throughout the U.S. and Canada. Click Here to find an ATM near you


  • Binghamton Branch
    24 Hour ATM

    120 Main Street (map)
    Binghamton, NY 13905
    Phone: (607) 724-5876
    Main Fax: (607) 724-0613
    Loan Fax: (607) 724-7109

    Hours: 9:00 - 5:00 daily
    Thursday 9:00 - 6:00
    Saturday 9:00 - NOON
    (Drive up opens at 8:30am Monday - Friday) Please note due to limited Staff on Saturday we do not take phone calls.

  • Endwell Branch

    519 Hooper Road (map)
    Endwell, NY 13760
    Phone: (607) 724-5876

    Hours: Monday - Wednesday 9:00 - 4:00
    Thursday & Friday 9:00 - 5:30
    (Drive up open: Monday - Wednesday 8:30 - 5:00 | Thursday & Friday 8:30 - 5:30)

  • Vestal Branch

    3701 Vestal Parkway E (map)
    Vestal, NY 13850
    Phone: (607) 724-5876
    Main Fax: (607) 770-0945

    Hours: Monday - Wednesday 9:00 - 4:00
    Thursday & Friday 9:00 - 5:30
    (Drive up open: Monday - Wednesday 8:30 - 5:00 | Thursday & Friday 8:30 - 5:30)