Consolidation Loans

Be debt free with a limited time consolidation loan special rate!

Other rates and terms available include: As low as 1.99% APR* for 12 months, 2.99% APR* for 24 months, as low as 3.99% APR* for 36 months, 4.99% APR* for 48 months, or 5.99% APR* for 60 months.

*APR = Annual Percentage Rate. Rates based on credit worthiness and relationship discounts with Horizons Federal Credit Union. New money loans only. See a member service specialist for full details. Federally insured by NCUA. Rates effective January 1, 2019 – February 28, 2019.


(607) 724-5876
or Email-Us

Learn more about our Loan Rates

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.