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."

Find a Branch


24 hour ATM is located at our Main Branch, 120 Main St. Binghamton and at our Vestal Branch in Campus Plaza, 3701 Vestal Parkway East, Vestal. Horizons Federal Credit Union is pleased to announce that they have entered into a partnership with Manley’s Mighty Mart, which will allow Horizons members to use their debit, ATM, or VISA 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 25,111 ATMs throughout the U.S. and Canada. Click Here to find an ATM near you.

 Our branches are conveniently located around town.


Binghamton Branch 

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, Thurs 9:00 - 6:00 Sat: 9:00-noon (Drive up opens at 8:30am Mon-Fri) Please note: Due to limited staff on Saturday we do not take phone calls.


Endwell Branch

519 Hooper Rd. (map)

Endwell, NY 13760

Phone: (607) 724-5876  

Hours: M-W 9:00-4:00 Thurs. & Fri.: 9:00-5:30


Vestal Branch

3701 Vestal Parkway East (map)

Vestal, NY 13850

Phone: (607) 724-5876 

Fax: (607) 770-0945

Hours: M-W 9:00-4:00 Thurs. & Fri.: 9:00-5:30  (Drive up open: M-W 8:30-5:00 Thurs. & Fri. 8:30-5:30)