HORIZONS @ HOME CLICK AND PAY

RATES LOAN

Loan Rates

Check out our competitive loan rates and save.

LOAN TYPE
Approx. TermNon-Variable APR A+**VARIABLE APR**COMMENTS
Personal** Loan
up to 60 mos6.49%

n/a


$20,000 max. total
(loans + Visa + LOC)
Home Advantage** Loan
up to 84 mos
85 to 120 mos
7.49%
8.49%
n/a
n/a
$15,000 max total; member pays all fees; 100% available equity
New Auto**Loan
(Up to 115% Financing)
60 mos
66 mos
75 mos
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)
60 mos
66 mos
72 mos.
.
3.45%
3.75%
3.95%
n/a
n/a
n/a
Model year 2013-2017
Model year 2013-2017
Model year 2017 only

up to 60 mos
5.50%
n/a
Model year 2011-2012
New RV** Loan
(108% Financing)
(80% LTV Boats, $25,000 cap)
up to 84 mos
85 to 120 mos

4.99%
5.99%
n/a
n/a
Campers, ATVs, Motorcycles
Cycles under $10,000-48mos
Cycles over $10,000-72mos
Used RV** Loan
(NADA + tax)
up to 60 mos
61 to 84 mos
4.99%
4.99%
n/a
n/a
Campers, ATVs, Motorcycles
Cycles under $10,000-48mos
Cycles over $10,000-60mos
Line of Credit (LOC) Overdraft ProtectionOpen End
14.50%
n/a
$5,000 max. if joint checking, both sign LOC app
Savings Secured Loan
up to 120 mos
n/a
n/a
Current rate plus 4.00%
Certificate Secured Loan
up to 120 mosn/a
varies
Current rate plus 4.00%
VISA PLATINUM Credit Card*Revolving
7.90% - 17.90%
n/aNon-variable rate based on credit worthiness
First Mortgage**
Up to 30 years
Yes
n/a
Call for rates
Home Equity LOC
15 years
1.99% (1st 6 months)Prime (80% LTV)Fixed rate for 1st 6 months
After 6 months, variable rate of Prime
Application fee $199, refunded at closing
Home Equity LOC (Prime + .50%)15 years
1.99% (1st 6 months)Prime+.50% (90% LTV)Fixed rate for 1st 6 months
After 6 months, variable rate of Prime +.50%
Application fee $199, refunded at closing
Home Equity LOC (Interest Only)15 years
1.99%
Prime +0%Up to 80% LTV
Fixed rate for 1st 6 months
After 6 months, variable rate of Prime + 0%
Application fee $199, refunded at closing
Interest-only payments first 10 years, repayment last 5 years
Fixed Rate, Closed End Home Equity LoanUp to 60 mos
61 to 120 mos
121 to 180 mos
2.69%
3.19%
3.69%
n/a
n/a
n/a
Some closing costs apply
Up to 80% LTV
Second/Vacation Home**30 yearsYes
n/a
Call for rates

APR = Annual Percentage Rate

* Some loan rates are based on credit worthiness and relationship discounts.
** Home Owner loan products may offer tax advantages, please consult a tax advisor
*** Up to 80% of your home’s equity.
**** Up to 90% of your home’s equity.

Effective Date 03/09/2021

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Horizons had an update to their on-line forum for your VISA Credit Card. Below you will find the new link. Click and create your new login to access your information.