HORIZONS @ HOME CLICK AND PAY

RATES SAVINGS
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$2,500.20%.20%
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 0.15% 0.15%
6 Month $500 $500 0.20% 0.20%
1 Year $500 $500 0.35% 0.35%
2 1/2 Year $500 $500 0.55% 0.55%
5 Year $500 $500 0.70% 0.70%
Kids Under 16 $100 $100 1.00% 1.01%

Effective 08/18/2020

* 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 08/18/2020. For Annual Percentage Yield, fees can effect your account earnings. Current dividend rates will be quoted upon request (call 607-724-5876) or at the time of opening an account.

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 The penalty will be calculated on the amount withdrawn and will equal: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
  • 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.

08/

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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.