Horizons Federal Credit Union

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A short history of Horizons FCU

Since its inception in 1937 the Horizons Federal Credit Union has been serving its members in the BINGHAMTON, New York area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Mario DiFulvio, the Horizons FCU has grown its membership to over 11,600 with assets of more than $109,911,035. They have a main office and 4 branch offices. Please see the credit unions website or contact them by phone at (607) 724-5876 or email them at info@horizonsfcu.com to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in BINGHAMTON, NY.

General Information For Horizons FCU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 2041
Address 120 MAIN ST 
State New York 
Zip-Code 13905
Phone Number (607) 724-5876
Fax Number (607) 724-0613
Email Address: info@horizonsfcu.com
CEO/President Mario DiFulvio
Members 11,600 
Full-Time Employees 34 
Part-Time Employees
Number of Branch Offices
Total Assets 109,911,035 
Website http://www.horizonsfcu.com 

Compare Horizons Federal Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Ghs CU Main Office 910 Upper Front St 13905 (607) 723-7962 No 3.53
U. H. S. Employees CU BGH Branch 40 Mitchell Ave 13790 (607) 763-5069 No 4.44
Visions CU Rochester 1130 E Main St 13760 (585) 328-5410 No 5.70
Sidney CU Hancock 70 W Front Street Ext 13783 (607) 637-1450 No 29.86

Horizons Federal Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Horizons Federal Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 10.55 2.49 2.99 4.15 3.48
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 302 83 91 163 54
Rank Among All New York Credit Unions 52 38 31 60 18

Horizons Federal Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate N/A 0.10 0.30 0.45 0.45
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions N/A 129 97 274 234
Rank Among All New York Credit Unions N/A 34 23 71 61
Horizons Federal Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 10.5502,7732,586,514
All Other Unsecured Loans/Lines of Credit 6.4901,5045,154,380
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 2.49075411,924,796
Used Vehicle Loans 2.9908547,625,811
Total 1st Mortgage Real Estate Loans/Lines of Credit 4.15033324,374,083
Total Other Real Estate Loans/Lines of Credit 3.48037610,477,560
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 3.8005761,745,883
TOTAL LOANS & LEASES 7,17063,889,027

Horizons Federal Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 16714,428,411111,106,680
    b. 15 Years or less 1609,500,4527705,916
    a. > 15 years 0000
    b. 15 Years or less 0000
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 0000
Adjustable Rate > 1 yr 6445,22000


Closed-End Fixed Rate 1253,025,3924169,600
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 2517,452,16812367,559
Open-End Fixed Rate 0000
TOTALS 70934,851,643342,349,755


Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 9568,68725,316
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Horizons Federal Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards No
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit Yes
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing No
Money Orders Yes
No Surcharge ATMs Yes
Home Banking Via Internet Website Yes