Our Commitment to Serving Our Members

We Make the Difference

Credit unions exist to help people, not make a profit. Becoming a member of Horizons Federal Credit Union is easy and will give you access to many products and services.

Our credit union provides financial services, including share drafts (checking), share accounts (savings), loans, mortgages, etc. But, we also do a lot more. Some of the unique services we offer include:

  • A President/CEO who is accessible to members daily.
  • A full-time receptionist who answers the phone and assists members.
  • A Kids’ Club, where children are encouraged to save and receive prizes for making deposits.

Our goal is to serve our entire membership well, including those of modest means. We work with members who may have had difficulty in obtaining credit elsewhere. We also reach out to members or potential members who are un-served or underserved.

All members of Horizons FCU have access to a full range of financial services, including:

  • No-Surcharge ATM on Premises
  • Free Checking
  • Skip-A-Payment Program
  • $1,000 Free Accidental Death & Dismemberment Insurance
  • Competitive rates on an array of loan types
  • Overdraft Protection

For our full range of products and services, click here to see what Horizons can offer you.

Stop into one of our convenient locations to become a member of Horizons FCU!

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.