HORIZONS @ HOME CLICK AND PAY

Savings Rates

Effective 7/19/2018

* The Annual Percentage Yield assumes that dividends are to be added to principal.

** For members under 18, the minimum balance to obtain Annual Percentage Yield is $5

*** Kids under 16 Certificate maximum is $500. Limit one Kids under 16 Certificate per child account.

****Relationship Rate
Dividend Rate and Annual Percentage Yield as of last dividend declaration date 9/1/2019.

Early Withdrawal Penalties – We may impose a penalty if you withdraw any of the funds before the maturity date. The penalty will be calculated on the amount withdrawn and will equal 45 days’ dividends for certificates with stated maturities of 90 days, 90 days’ dividends for certificates with stated maturities of 6 months and 1 year, and 180 days’ dividends for certificates with stated maturities of 2 1/2 years and 5 years. There is no penalty on IRA certificates for IRA owners 59 1/2 years of age or older.

Current dividend rates will be quoted upon request (call 607-724-5876) or at the time of opening an account.

Account TypeMinimum Balance to OpenMinimum Balance to Obtain APYDividend RateAnnual Percentage Yield (APY)*
Regular Savings**$5$150 & Up.10%.10%
CheckingN/A N/A N/A N/A
Money Market $2,500$2,500.30%.30%
Kids Account$5$5.10%.10%
Club AccountN/A $5 & Up .10% .10%
IRA Savings $5 $5 .25% .25%
Mortgage Escrow N/A $.01 - Up .10% .10%
Certificates / IRA CertificatesMinimum Balance to Open Minimum Balance to Obtain APY Dividend RateAnnual Percentage Yield (APY)*
90 Day $500 $500 0.50% 0.50%
6 Month $500 $500 0.90% 0.90%
1 Year $500 $500 1.00% 1.00%
2 1/2 Year $500 $500 2.25% 2.27%
5 Year $500 $500 2.50% 2.53%
Kids Under 16 $100 $100 1.50% 1.51%

Loan Rates

Check out our competitive loan rates and save.

APR = Annual Percentage Rate.

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)
24 mos
60 mos
75 mos
84 mos
2.49%
2.89%
3.49%
3.99%
n/a
n/a
n/a
n/a
Model year 2017-new
Used Auto**Loan
(NADA + tax)
48 mos
66 mos
3.79%
3.79%
n/a
n/a
Model year 2012-2016
Model year 2012-2016
up to 60 mos
5.50%
n/a
Model yr 2010-2011
Home Advantage** / Auto Loanup to 66 mos
67 to 72 mos
3.79%
3.79%
n/a
n/a
Passenger vehicles only
New and up to 2 years old
up to 60 mos
61 to 84 mos
85 to 120 mos
4.49%
4.49%
5.49%
n/a
n/a
n/a
Recreational vehicles only
New and up to 2 years old
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
3.50%
4.25%
4.75%
n/a
n/a
n/a
Some closing costs apply
Up to 80% LTV
Second/Vacation Home**30 yearsYes
n/a
Call for rates

* 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 8/1/2019

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