HORIZONS @ HOME

LOANS AUTO

Auto Loans

Drive off in your dream car with a loan from Horizons FCU

It’s quick and easy to get the new or used vehicle you’ve had your eye on. Our competitive rates and terms make the monthly payments on your car affordable.

LOAN TYPE
Approximate TermNon-Variable APR A+**VARIABLE APR**COMMENTS
New Auto**Loan
(115% Financing)		Approx. 60 mos.
Approx. 66 mos.
Approx. 75 mos.
Approx. 84 mos.
1.95%

2.20%

2.50%

3.65%		n/a

n/a

n/a

n/a		Model year 2018-new
Used Auto**Loan
(NADA + tax)		Approx. 60 mos.
Approx. 66 mos.
Approx. 72 mos.
up to 60 mos.
3.45%

3.75%

3.95%

5.50%		n/a

n/a

n/a

n/a		Model year 2013-2017

Model year 2013-2017

Model year 2017 only

Model year 2011-2012

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(607) 724-5876

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On October 1, 2021, our operating systems will begin to merge. You will not be able to access your Horizons accounts online at the close of business Thursday, September 30, 2021 while we complete the system merge. All branches, including the Binghamton Main Street Branch, will be closed Friday, October 1, 2021 and Saturday, October 2, 2021. Beginning Monday, October 4, 2021 you will be able to register to access your account online and/or at any current branch location, as well as the Johnson City branch located at 760 Harry L Drive in Johnson City. Once registered, you can enjoy all the online benefits of Empower Federal Credit Union membership.