Horizon Credit Union Muncy PA | Best Auto Loans & Business Banking

Introduction

Welcome to Horizon, your trusted financial partner located at 867 Lycoming Mall Dr, Muncy, PA 17756. Since our establishment in 1955, we have proudly served our community with a commitment to provide exceptional banking services tailored to meet the needs of our members. With over 14,724 members and a dedicated team of 66 employees, we strive to build lasting relationships based on trust and reliability. At Horizon, we understand that managing your finances is essential for achieving your goals. That's why we offer a wide range of services, including personal banking, auto loans, mortgage loans, and business banking solutions. Our assets total an impressive $148,697,327, ensuring that we have the resources needed to support you every step of the way. Additionally, with $10,899,265 in deposits and a net worth of $13,480,147, you can be confident in the stability and strength of your credit union. While members can visit us at our branch location in Muncy, official correspondence should be sent to 330 Pine St, Suite 400, Williamsport, PA 17701. Whether you need assistance with setting up a checking account or exploring loan options our friendly staff is here to help! Under the leadership of CEO Justin Howard and Board President James Fedele, Horizon remains committed to enhancing your financial well-being while contributing positively to our community. We invite you to reach out via phone at 570-326-3636 or explore more about us on our website here. Join us at Horizon today and experience the difference a member-focused credit union can make!

Branch History & Mission

Evolution and Achievements

Since our inception, Horizon has been dedicated to providing quality financial services while supporting the local community. Over the years, we've achieved numerous milestones that reflect our commitment to excellence. Our journey has seen us expand our offerings from basic savings accounts to a wide range of services including auto loans, mortgages, personal loans, and business banking solutions. We are not just about numbers; we are about people. Our growth is fueled by the relationships we build with our members and the trust they place in us. With 66 employees working diligently to meet your needs, we pride ourselves on being customer-centric and responsive.

Join Us

As we continue to grow and adapt to the ever-changing financial landscape, we invite you to be part of our journey. Discover how Horizon can make a difference in your life by visiting us or exploring more on our website at Horizon FCU. Experience firsthand the benefits of membership with us today!

Our Mission

At Horizon, our mission is clear: to enhance the financial well-being of our members while fostering a sense of community. We believe that everyone deserves access to affordable financial solutions that can help them achieve their goals. Whether it's buying a new car or saving for a home, we aim to empower our members with the tools they need for success. In addition to providing exceptional financial services, we actively participate in community outreach efforts. We partner with local organizations to support initiatives that uplift and strengthen Muncy and its surrounding areas. While you can visit us at our branch location for all your banking needs during our operating hours Monday through Thursday from 9:00 AM to 4:30 PM and Friday until 5:30 PM you can also take advantage of our online banking options for added convenience. If you require official correspondence, please send it to our mailing address at 330 Pine St Suite 400, Williamsport, PA 17701.

Branch Location & Accessibility

Contact Us

Have questions or want to learn more? Feel free to give us a call at 570-326-3636. We look forward to seeing you soon at Horizon's Muncy Branch! Your financial journey starts here.

Operating Hours

We invite you to come in during our welcoming hours: Monday through Thursday from 9:00 AM to 4:30 PM and Friday from 9:00 AM to 5:30 PM. Our friendly staff is ready to assist you with a variety of services tailored to meet your financial needs.

Parking and Accessibility

We understand that convenience matters. That's why our branch offers ample parking and features designed for all members, including ADA-compliant access. You'll find ramps and accessible entrances to ensure everyone can easily visit us.

Services Offered

At Horizon's Muncy Branch, we offer personal banking solutions like checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards. Need quick transactions? We provide basic drive-thru banking for deposits and withdrawals as well as ATM access for cash withdrawals and balance checks.

Member Eligibility

Joining the community at Horizon is a wonderful opportunity to access personalized financial services and support. To become a member, you'll need to meet certain eligibility criteria, which are designed to ensure that our services are tailored for your needs. Generally, membership is open to individuals who live, work, worship, or attend school in the area surrounding our branch at 867 Lycoming Mall Dr Muncy Pa 17756. This means if you're part of the local community, you're likely eligible! You can find all the details regarding membership requirements by visiting our website at https://www.horizonfcu.org/business/business-membership-savings-account/. Becoming a member is not just about opening an account; it's about joining a family that values your financial well-being. The process is straightforward and welcoming once you determine your eligibility, you can easily open an account online by checking out this link: https://apps-horizon.ns3web.com/nsloan. If you have any questions or need assistance along the way, feel free to give us a call at (570) 326-3636. We're here to help you every step of the way!

Business Banking & Commercial Services

Business Loans That Drive Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $7 in commercial loans for our members, helping businesses scale and succeed. This means local entrepreneurs can access the necessary capital to invest in equipment, expand their operations, or hire new talent. Each loan represents a partnership where we believe in your vision and help turn it into reality.

Merchant Services That Simplify Transactions

In addition to loans, we provide essential merchant services that make daily operations smoother for business owners. Imagine a busy retail shop seamlessly processing payments through our reliable point-of-sale systems. With our services, you can accept various payment types, manage transactions efficiently, and focus on what you do best serving your customers. With an outstanding commercial loan portfolio of $519,809, we continue to drive economic growth by financing new and expanding businesses right here in Muncy, PA. Whether you're just starting out or looking to take your business to the next level, Horizon is here to support you every step of the way. For more information or to discuss how we can assist your business, call us at (570) 326-3636 or visit us at our location: 867 Lycoming Mall Dr Muncy Pa 17756. Your success is our priority!

Comprehensive List Of Services

Business Banking

For our business members, we provide essential banking services including Merchant Services & Business Loans. Whether you're starting a new venture or expanding an existing one, our business banking options can help fuel your success. With the right financial tools, you can focus more on what matters most: growing your business.

Credit Solutions

Need a little help managing expenses? Our Personal Loans & Debt Consolidation services are designed to give you a fresh start. Picture consolidating multiple debts into one manageable payment, making it easier for you to stay on track financially. Plus, if you're looking to earn rewards while spending, check out our Credit Cards with Rewards they're perfect for everyday purchases!

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we offer robust Online & Mobile Banking features that allow you to manage your finances anytime, anywhere. From making deposits and withdrawals to checking balances and transferring funds, our digital tools are designed with your lifestyle in mind. Need cash quickly? With our ATM & Cash Withdrawal Services, getting cash is as easy as tapping a button on your phone or visiting one of our ATMs. And for those quick transactions, utilize our Basic Drive-Thru Banking for deposits and withdrawals without leaving your car.

Let's Connect!

We invite you to experience all that Horizon has to offer! If you have any questions or would like to learn more about how we can assist you with your financial needs, don't hesitate to reach out at (570) 326-3636 or visit us online at Muncy Branch. We're here to support you every step of the way!

Personal Banking

When it comes to personal banking, we've got you covered. Whether you're looking for a new checking or savings account, we have options that fit various lifestyles and preferences. For those who need extra funds for a new car, our Auto Loans & Vehicle Financing can make the process smooth and straightforward. Imagine driving away in your dream vehicle with easy monthly payments tailored just for you. If homeownership is on your mind, explore our Mortgage Loans & Refinancing solutions. We strive to make home buying as stress-free as possible by offering competitive rates and personalized service. Our team is ready to assist you in finding the best mortgage option suited to your budget.

Digital & Online Banking

Accessibility and Real-Time Management

We know that staying connected with your finances is crucial. That's why our mobile application ensures that all these features are right in your pocket. With it, you can view real-time account activity and receive alerts about your transactions. This level of accessibility helps you stay informed and in control of your financial journey. At Horizon, we are committed to making your banking experience as convenient and secure as possible. Explore all that our digital banking services have to offer today!

Key Features

Our online banking platform offers an array of user-friendly features that prioritize your financial well-being. You can enjoy e-statements, which give you a paperless way to track your finances while keeping everything organized and secure. Plus, for those who love the ease of signing documents electronically, we provide electronic signature authorization making it simple to complete transactions without any hassle. For those times when you're out shopping or dining, our mobile payments feature allows you to pay right from your smartphone. And if you need to send money to friends or family quickly, our person-to-person transfers make it easy to split bills or send gifts with just a few taps.

Financial Strength

At Horizon, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are proud to share that our financial strength reflects our commitment to serving you reliably. With a net worth of $13,480,147, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 9.06% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $1,477,620 in share certificates and $3,907,090 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. We also have $10,695,935 in undivided earnings, which allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is robust; with $2,843 in used auto loans and $101,215,711 in total loans and leases, we're here to support your financial goals across various sectors. Our operational efficiency shines through with a net income of $-$83,067, enabling us to continue offering competitive loan rates and solid financial products for our members. We take pride in having 62 full-time employees and 4 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Net Shares (Funds available for lending and investments): $0. Total Share and Deposit Accounts: 28,904, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Horizon is your trusted partner. Visit us at 867 Lycoming Mall Dr Muncy Pa 17756 or call (570) 326-3636 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $43,457,995 in used vehicle loans and $7,453,659 in new vehicle loans already helping members get on the road. We provide flexible terms that can fit your budget and lifestyle. Plus, refinancing options are available if you're looking to lower your monthly payments or interest rate.

Business Financing

For business owners, our outstanding commercial loans totaling $519,809 provide the capital needed to grow and expand your operations. We understand that businesses need reliable funding solutions to thrive in today's competitive market. At Horizon, we are committed to empowering our members with financial tools that work for them. Our performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Explore how our loan offerings can meet your unique needs today!

Credit Lines and Personal Loans

In addition to auto and mortgage loans, we also offer personal loans and unsecured credit card loans. With total credit lines reaching $2,885,869 and $3,599,048 in unsecured credit card loans available, we provide flexible terms that help you manage your finances effectively.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $8,522,202, making buying or refinancing simple. We aim to make the process straightforward so you can focus on creating memories in your new home.

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HORIZON FEDERAL CREDIT UNION - Muncy, PA

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