Horizons FCU Celebrates National Credit Union Youth Month

Youth Month

Every child dreams about their future. Some of those dreams may require money to come true. How do you help your children achieve their dreams?

One way is to help them learn how to save their money.

In April, Horizons Federal Credit Union is celebrating Youth Month, which is a program that helps teach and encourage kids to develop good financial habits.

The theme this year is “The Science of Saving,” showcasing fun, sci-fi-inspired characters. Science has proven that if you start with small goals, saving your money can become a regular habit. This year’s Youth Month inspires children to begin saving the money they earn so they can attain their dreams of a happy future.

For more information on a Horizons Kids Club account, visit our Kids Club page.

Horizons FCU Donates Calming Bench to Horace Mann Elementary School

Ceremony 1Horizons Federal Credit Union donated a Calming Bench to Horace Mann Elementary School during a ceremony on Wednesday, March 21st. The bench, themed “Throw Your Troubles Away,” is part of a program through the school that allows students to remove themselves from bad situations by sitting on the bench, writing down what is bothering them, and “throwing” their troubles away.

The donation is part of a larger partnership between Horizons FCU and Horace Mann Elementary that will include a student savings program and a financial education seminar series for teachers and parents of Horace Mann students.

“We’ve partnered in the past with Horace Mann on other projects and this is a logical extension of that relationship,” said Mario DiFulvio, President and CEO of Horizons Federal Credit Union. “We are excited to provide whatever we can to our young neighbors in the community because they are the future.”

DiFulvio and Horace Mann Principal Peter Stewart were joined by students, faculty, and members of the media during the ceremony at the school.

“One of our goals is to really create students that are self-motivated and self-disciplined,” said Stewart. “Not only with their school work but with their behavior and, as you know, this is going to be reflective later on in life, where they’re going to have to make decisions.”

Horizons Federal Credit Union serves nearly 12,000 members who live, work or attend school in Broome County, with branches in Binghamton, Endwell, and Vestal. Horace Mann Elementary is part of the Binghamton City School District and serves students in kindergarten through grade five.


Horizons FCU to Celebrate International Credit Union Day

International Credit Union Day

On October 19, Horizons Federal Credit Union will, along with more than 56,000 credit unions around the world, celebrate International Credit Union Day (ICU Day), and the philosophy and achievements of the credit union movement.

Horizons FCU invites members to attend a celebration with cake and refreshments at the main office, and pastries and refreshments at the Endwell and Vestal branches.

Horizons FCU celebrates ICU Day because it believes the not-for-profit structure and people-first principles of credit unions make them the ideal financial partners for all people. This year’s ICU Day theme is “Dreams Thrive Here,” a celebration of how credit unions help people achieve their biggest goals in life.

The public is welcome to stop by any Horizons FCU location and celebrate a worldwide movement that’s made helping people its No. 1 priority for more than 160 years.

Horizons FCU Hosts 16th Annual Family Fun Friday

Horizons Federal Credit Union held its 16th Family Fun Friday on Friday, August 25th at the credit union’s main office in Binghamton.

The award-winning Family Fun Friday provides free, fun and educational activities for children of all ages. This year the children enjoyed games with the Binghamton Rumble Ponies and Devils, face painting, visits from mascots Rowdy the Pony and Baxter, a school supply backpack giveaway, and live entertainment from Lori and iHeartRadio.

Nearly 200 children received school supplies which were provided by Horizons FCU with the help of donations from Walmart, Target, and ACCO Brands. Backpacks were provided by the credit union and Liberty Mutual agent Greg Tifft.

A press conference was also held to commemorate the event. Horizons FCU President & CEO Mario DiFulvio was joined by Broome County Executive Jason Garnar and New York State Assemblywoman Donna Lupardo, who spoke to local media about the importance of the event and what it means to the community.

For press coverage of the event:

Horizons’ 16th Annual “Family Fun Friday” Makes Impact on Kids (Fox 40)

Horizons FCU Hosts Family Fun Friday in Binghamton (12 News WBNG)

Horizons FCU to Host 16th Annual Family Fun Friday

Horizons Federal Credit Union will celebrate its 16th year of Family Fun Friday with a press conference on Friday, August 25th at 12:00 p.m. at the credit union’s main office at 120 Main Street in Binghamton.

The award-winning Family Fun Friday provides free, fun, and educational activities for children of all ages. This year the children will enjoy crafts, games, music by Mix 103.3, the Rumble Ponies mascot, face painting, a school supply and backpack giveaway, and more. Free hotdogs, ice-pops, popcorn and drinks will be provided.

In addition to local families, Horizons FCU invites local community groups to participate. This year children from the Binghamton Housing Authority will attend with transportation provided with the help of BC Transit. Family Fun Friday is also made possible with the generous support of Barnes & Noble of Vestal, Binghamton Rumble Ponies, Binghamton Devils, Binghamton Junior League, Girl Scouts of NYPenn Pathways, Binghamton University, CHOW, Target, Wal-Mart, Wegman’s, Chuck E. Cheese’s, McDonald’s – Main Street, Wendy’s – Main Street, Liberty Mutual, Chobani, United Way of Broome County, CCE BC Eat Smart New York, the City of Binghamton, Assemblywoman Donna Lupardo, and Huff Ice Cream Co.

Horizons has won the Dora Maxwell Social Responsibility Community Service Award 11 times for its many community efforts, as well as three times for its Family Fun Friday program. This award recognizes a credit union that goes beyond personal finance education and gives back to members of the community through outreach programs. Over the last 15 years, Family Fun Friday has touched the lives of thousands of children and families – fulfilling the credit union’s social purpose of “people helping people” and inspiring a sense of pride for the community.

Horizons Federal Credit Union serves nearly 12,000 members who live, work or attend school in Broome County. In addition to its Main Street branch, Horizons Federal Credit Union has offices located in the Campus Plaza in Vestal and on Hooper Road in Endwell.

Horizons Federal Credit Union Wins Dora Maxwell Social Responsibility Community Service Award

The New York Credit Union Association announced Horizons Federal Credit Union as winner of the 2017 Dora Maxwell Social Responsibility Community Service Award in the $50 million to $250 million asset size category. The award honors credit unions that strengthen local institutions and materially improve the lives of non-members through community outreach programs and will be presented to Horizons FCU President & CEO Mario DiFulvio at the 2017 NYCUA Annual Meeting and Convention, which begins June 1st in Bolton Landing, NY.

Horizons FCU won the award for its Helping Hands Program, which encourages employees to volunteer their free time to help community organizations by rewarding them with points, which can be redeemed for a $25 Visa gift card and recognition at the credit union’s monthly staff meetings. Through Helping Hands, Horizons FCU employees volunteered at the Southern Tier Food Bank’s “Backpack Repack” Program, which provides food to elementary students of low-income families; CHOW events, where food is distributed to low-income families out of a mobile food pantry; the CHOW Garden, where volunteers help farm a garden that provides vegetables to hundreds of families throughout Broome County; and others.

The win marks the 11th time Horizons FCU has won the Dora Maxwell Award. Previous winning outreach efforts include the Family Fun Fridays Program, fundraising efforts for Relay for Life, a community art project, and the Binghamton Safe Streets Association.

“People helping people is the bedrock of the credit union movement and we fully believe in that at Horizons,” said DiFulvio. “Our mission has always been to provide excellent, friendly service to our members while also giving back to the community that has supported us since 1937, and we will continue to do so.”

Along with multiple Dora Maxwell Awards, Horizons FCU was named the Greater Binghamton Chamber of Commerce Corporate Citizen of the Year in 2008. The credit union has also won the Credit Union National Association’s Diamond Award for a Community Event and the United Way Chairman’s Award.

Horizons @ Home and Horizons Mobile Security Upgrades Coming May 21st

Upgrades are coming to Horizons @ Home and Horizons Mobile which are designed to heighten security and further protect your accounts.

Due to these upgrades, Horizons @ Home and Horizons Mobile will be unavailable from approximately 4am until approximately 10am on Sunday, May 21, 2017 while we make system upgrades to our Multi-Factor Authentication software. Once upgrades are complete, members will be able to log in as usual.

Thank you for your patience while we enhance our software for your safety.

Horizons Federal Credit Union to Celebrate 80th Anniversary at Annual Meeting

Horizons Federal Credit Union will celebrate its 80th anniversary at its Annual Meeting on Wednesday, April 26th at the Relief Pitcher. Horizons FCU has been commemorating its 80th anniversary with a series of events and activities, with more planned throughout the year, including a year-long social media contest on the company’s Twitter and Facebook pages.

The oldest credit union in the area, Horizons FCU opened its doors in 1937 as Binghamton U.S. Employees Federal Credit Union, originally serving postal employees. In 1972, the credit union changed its name to U.S. Employees Federal Credit Union before expanding its field of membership to include federal employees that lived in Chenango, Cortland, Delaware, Otsego, and Tioga counties.

The credit union underwent a series of mergers in the mid-1980s which again expanded membership to include many police, firefighters, and medical personnel to join. In 1999, the name was again changed to Horizons Federal Credit Union, to better reflect the community and diverse group Horizons serves. Membership was then redefined through a Community Charter as it currently stands – “Anyone who lives, works, worships, or attends school in Broome County can become a member.”

“For 80 years, our staff, management, and board of directors have been committed to providing excellent, professional service to members while also serving and improving this community,” said Mario DiFulvio, President and CEO of Horizons Federal Credit Union since 1990. “It is important to us to carry out the credit union philosophy of ‘People Helping People’ and we feel that we have done that throughout our history and will continue to do so for years to come.”

Horizons FCU was named the Greater Binghamton Chamber of Commerce Corporate Citizen of the Year in 2008 and has won the Credit Union National Association’s Diamond Award for a Community Event, the United Way Chairman’s Award, and is a 10-time winner of the Dora Maxwell Social Responsibility Community Service Award.

Horizons is proud to contribute to and partner with fellow community organizations like the Binghamton Zoo at Ross Park, Safe Streets Association, United Way of Broome County, the American Cancer Society, and the American Heart Association.

Teach Your Little Owls to Fly With Money Talks

GiveaHoot_Logo 1454x613The first step to teaching your kids about money is talking about money.

“The most effective way to teach is by having frequent discussions and don’t ever lecture,” said Ted Beck, president and chief executive of the National Endowment for Financial Education, in a recent Wall Street Journal article. “Look for teachable moments and always be willing to answer questions.”

Unfortunately, this can also be the hardest.

A 2015 T. Rowe Price survey found that 72% of parents experienced at least some reluctance to talk to their kids about financial matters, and 18% were either very or extremely reluctant. The most common reasons given were that the parents didn’t want them to worry about financial matters or thought they were too young to understand.

But on his blog, the personal-finance guru and radio host Dave Ramsey encourages parents to be more open with their kids about money, even their failures. Parents’ biggest regrets are often not saving enough or going into too much debt, wrote Ramsey. Being honest about that in an age-appropriate way, he stated, can be a powerful lesson.

So how to start the talk?

• Ask questions. If you’re going out to eat, talk about the price difference between the options, and ask them which they would choose. If they select the more expensive, talk through what you might have to give up later in the week.

• Make them part of your budgeting. If you’re doing any kind of financial planning for the year, solicit input from your kids. Enlist them in your saving goals—no one watches you more closely than your kids, so they’re natural accountability partners! If you’re uncomfortable revealing too much of your financial picture, you can keep the discussions high level, but involving them makes money less abstract.

• Open a youth savings account at Horizons Federal Credit Union. This is the best way to help them to learn to save for what they find meaningful in life. A lifetime of good savings habits can start now!

Updates are Coming to Horizons Mobile

HFCU_Android_FGUpdates are coming to our Horizons FCU Mobile smartphone app!

Due to these updates, some older operating systems may not be able to connect to the smartphone app beginning March 26th. Users running operating systems older than Android 4.4 or iOS 8 may experience issues using Horizons FCU Mobile.

Android users on OS 4.4 or newer operating systems and iPhone/iPad users on iOS 8 or newer will be able to continue using the app without issue.

To find which operating system you are currently using:

  • On Android
    • Open your device’s Settings.
    • Tap About Phone or About Device.
    • Tap Android Version to display your version information.
  • On iOS
    • Go to the home screen of your iOS device and click on Settings.
    • Click on General.
    • Click on About.
    • Note the number after Version; this is the version of iOS installed on the device.

To learn more about our Horizons FCU Mobile app and for download links, visit our Horizons Mobile page.