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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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.