Home Loans

Bring your family home with a Horizons home loan.

Whether you’re purchasing a new home or refinancing your current home, we have low non-variable and adjustable rate loans to meet your needs.

First Mortgages

Horizons FCU has many types of home loans to choose from.

  • Minimum mortgage amount $20,000
  • Maximum mortgage amount per member $300,000
  • Terms of 15, 20, or 30 years
  • Up to 95% financing
  • Owner occupied properties, 1-4 families
  • Non-owner occupied properties, up to 2 families
  • 45-day rate lock

Home Equity Line-of-Credit Loans

Two (variable-rate) Home Equity Line-of-Credit (LOC) Loans and three closed end fixed rate are available at Horizons FCU. They include:

6 Months Fixed

  • 80% – 1.99%
  • 90% – 1.99%

After 6 Months

  • 80% – Prime Rate
  • 90% – Prime Rate plus .50

Interest Only LOC for up to 15 years

  • 80% – Prime Rate plus 0%

Home Advantage Loan

Credit Union members can use these loans for any reason; debt consolidation, vacations, swimming pool, home electronics, education and more. The interest may be tax deductible (consult your tax advisor for information).


(607) 724-5876


Locate a Branch

Learn more about our Home 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.