From home to auto and everything in between,
we have the loan for you.

Already know the type of loan you want?

Horizons FCU doesn’t just offer competitive loan rates and a great variety of borrowing options, we also offer all the tools you need to manage your credit wisely.

Choose one or all of these convenient options:


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.


Signature & Personal Loans

Whatever the purpose, we have the right loan for you

Horizons Loan Specials

Be sure to check out our limited time Loan Specials!

Need to provide evidence of current insurance?

Visit our secure site where you’ll be asked to enter your Web ID and Ref ID provided on your loan documents, followed by the type of loan and proof of insurance.

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.