Signature & Personal Loans

Whatever the purpose, we have the right loan for you

*Please note in your loan application what type of loan you are applying for. Thank you!
Enjoy a great rate and
low monthly payments

Horizons offers a variety of loan options. Stop into any Horizons location and let us help you find the right loan for you!

  • Loans of $250 to $20,000
  • Attractive non-variable rate, based on your credit history and your relationship with Horizons
  • Low Rates
  • NO application fee
  • NO pre-payment penalty
  • A variety of loan terms to make monthly payments manageable
  • Predictable, affordable payments that won’t change for the life of your loan
Choose the payment option
that’s right for you

Making your Horizons FCU loan payment couldn’t be easier. Choose from these convenient payment options:

  • Transfer funds from your Horizons FCU Checking or Savings account via Horizons @ Home, Horizons Mobile, Telephone Teller, or at any Horizons FCU ATM
  • Have your payment automatically deducted from your paycheck
  • Have your payment automatically deducted from your Horizons FCU Checking or Savings account
  • Mail your payment with the handy coupons provided
  • Drop off your payment at any Horizons FCU branch


(607) 724-5876
or Email-Us

Learn more about our Loan Rates

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.