HORIZONS @ HOME CLICK AND PAY

TO WORK FOR YOU! PUT YOUR HOME

1.99% APR* for the first 6 months

After 6 months, variable rate of Prime**

*APR = Annual Percentage Rate. ** Prime currently 3.25%. Borrow up to 80% of your home’s equity. 15 years financing. No closing costs. The lifetime rate cap on our Home equity LOC is 16%. Receive free checks to access your line of credit. $199 application fee refunded at time of closing, if approved. Some restrictions apply. More rates and terms available. See a loan officer for complete details. Equal Housing Lender. Rate effective as of April 1, 2020.

Check out our other loan options:

SECURED LOANS

Home Loans

Bring your family home with a Horizons home loan.

Auto Loans

Loans priced for you to help take you home.

RV Loans, Motorcycle & Boat Loans

These loans will help give your family the gift of fun.

UNSECURED LOANS

Signature & Personal Loans

Whatever the purpose, we have the right loan for you

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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.