Our Mission

"To meet our members needs for quality financial services and to provide those services in a professional, convenient and efficient manner while maintaining financial stability."

How to Join

Extending membership benefits to the community. 

Horizons FCU's Field of Membership (FOM) includes any person who lives, works, worships, or attends school in, and businesses and other legal entities located in Broome County, NY.

Becoming a member is easy! Simply stop in one of our conveniently located branches with your photo ID, proof of your current address and $6.00. ($5.00 for savings account deposit and a $1.00 membership fee)

Member Benefits 
This list is not intended to be all inclusive. Horizons is continuously evaluating new services in an effort to better serve our members. If a service is not here that you would like to see, please let us know. 

The benefits of Horizons Federal Credit Union Membership include, but are not limited to: 


  • Savings accounts
  • Savings certificates
  • Club accounts
  • Money market accounts
  • IRA savings and Certificates

Low Cost Checking

  • No per check or monthly fees required
  • No minimum balance required
  • Carbon copies of each check written
  • Detailed monthly statement
  • Overdraft protection available


  • New car loans
  • Used car loans
  • RV loans including boats and motorcycles
  • 1st Mortgages
  • Various home equity loan products
  • Personal Loans
  • Educational Loans
  • Student and Parent loans - federal program
  • Tax Advantage loans
  • Line of credit/overdraft protection
  • Secured loans - by savings or certificate
  • VISA - No annual fee/25 grace days

Other Services

  • Direct deposit
  • Payroll deductions
  • Low cost travelers checks
  • ATM access
  • Telephone Teller System - 24 hour account access via telephone
  • Horizons @ Home - secured 24 hour account access via the internet
  • Pre-Approval on loans
  • Notary services
  • Money orders
  • Accidental death and dismemberment insurance
  • Loan protection insurance
  • Youth oriented programs
  • Shared service center access