Horizons Federal Credit Union


120 Main St
Binghamton, NY 13905
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.10% 0.85% →
1-Year CD 0.40% 0.75% →
2-Year CD N.A. 0.80% →
5-Year CD 0.75% 1.25% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Credit Union Information

Horizons is an NCUA insured institution located in Binghamton, NY. It was founded in 1937 and has approximately $141.47 millions in assets.

NCUA Insured Yes / Federally Chartered
Charter Number # # 2041
Date Established 1937
Assets $141.47 million
Loans $107.50 million
Deposits $126.31 million
Capital $14.23 million

Field of Membership Restrictions

Membership is open to those who live, work, worship, or attend school in, and businesses and other legal entities located in Broome County, New York.

Deposit Rates - October 21, 2021

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.10% $2,500 $4,999 Learn More
Money Market
0.30% $2,500 $2,999 Learn More
Money Market
0.30% $10,000 $14,999 Learn More
Money Market
0.30% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.35% $500 - Learn More
12 Mo CD
0.40% $500 - Learn More
30 Mo CD
0.60% $500 - Learn More
60 Mo CD
0.75% $500 - Learn More

Loan Rates - October 21, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for HORIZONS

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Points Fees Monthly
Learn More
Rocket Mortgage
NMLS ID: 3030
3.590% 3.500% 0.63 $2,812 $1,123 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

To upload and update your bank's rates please register. It is free to register and add rates.



Below are Horizons branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Horizons Locations

Climate Initiatives

HORIZONS is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

Financial Details

Horizons Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Horizons. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Horizons U.S. Average
2.51% 3.79

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of June 30, 2021, Horizons had $359,516 in non-current loans and $14,906 in owned assets. To cover these potential losses it had $14,225,792 in net worth and $690,893 in loans loss reserves. That gives it a Texas Ratio of 2.51%.

Net Worth
Horizons U.S. Average
10.05% 12.22%

Horizons FCU has a net worth of 10.05% versus the BestCashCow average of 12.22. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Horizons

Branches and Savings

What is Horizons?

A federal credit union, registered with the NCUA under certificate #2041.
Learn more about credit unions here.

Is Horizons FDIC insured?

No, credit unions are not insured by the FDIC. Most, but not all, are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance. Horizons is insured by the NCUA.

Who can join Horizons?

Please see Field of Membership information above for information on who is eligible to join.

What are Horizons's share account and share certificate rates?

Horizons's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Horizons?

Horizons has total capital of $14.23 million. Full information on Horizons's financial position is located above.

Who owns Horizons?

Credit Unions are owned by their members.

Where are Horizons branches located?

See branch locations nearby.

Are Horizons ATMs Open 24/7?

Do Horizons ATMs accept cash deposits?

Can Horizons customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Horizons have a mobile app?

Does Horizons have mobile deposit?

Does Horizons have quick pay?

How can Horizons transfer money to other banks or credit unions?

Does Horizons report to credit bureaus?

Does Horizons use Chexsystems?

Does Horizons use Equifax?

What is Horizons's toll free phone number?

What is Horizons's ACH Routing Number?

What is Horizons's SWIFT code?

Where can I find Horizons's wire transfer form?

What is the Horizons address for deposits?

What Products Does Horizons Offer

Does Horizons offer mortgages?

Compare mortgage rates here.

Does Horizons offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Horizons offer auto and RV loans?

Compare auto loan rates here.

Does Horizons offer student loans or personal loans?

Compare personal loan rates here.

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