Horizon Credit Union Kirksville MO | Affordable Auto Loans & Checking

Introduction

Welcome to Horizon Credit Union, your trusted financial partner located at 701 S Baltimore St, Kirksville, MO 63501. Established in 1954, we take pride in serving our community with a strong commitment to our members' financial well-being. With a total membership of 6,023 individuals, we have built a solid foundation of trust and reliability over the decades. At Horizon, we understand the importance of providing personalized banking solutions tailored to your needs. Our total assets amount to an impressive $56,537,662, reflecting our stability and capacity to support you through various financial endeavors. Whether you're looking for auto loans or personal banking services, we've got you covered with a wide range of offerings. Our dedicated team, led by CEO Lara Lucas and Board President Dennis Fessler, is here to ensure that your experience with us is nothing short of exceptional. We employ 19 staff members who are always ready to assist you with any questions or concerns. You can reach us at 660-385-8205 or visit our website at Horizon Credit Union for more information about our services. While members can visit us at our physical location in Kirksville, official correspondence should be sent to our mailing address: P.O. Box 554, Macon, MO 63552. We believe in making a positive impact in our community while helping you achieve your financial goals. Our total deposits stand at $4,960,447, ensuring that we have the resources available to support you when needed most. Join us at Horizon Credit Union where your financial future matters! Feel free to drop by during our lobby hours from Monday to Thursday, 8:00 AM - 4:30 PM and Friday until 5:00 PM. We look forward to welcoming you into our family!

Branch History & Mission

Join Us Today!

We invite you to experience the benefits of being part of Horizon Credit Union. Whether you're looking for personal banking solutions or business support, you'll find that we truly care about your financial well-being. Visit us during our operating hours Monday through Thursday from 8:00 AM to 4:30 PM and Friday from 8:00 AM to 5:00 PM or give us a call at 660-385-8205. Together, let's build a brighter financial future!

Our Evolution

Since opening our doors nearly seven decades ago, we have continuously adapted to incorporate digital advancements while ensuring accessibility for all. Our branch features convenient ATM access and drive-thru banking for those who prefer quick transactions without entering the building. Furthermore, we maintain an ADA-compliant facility because everyone deserves equal access to quality financial services. Horizon Credit Union's assets now total over $56 million, demonstrating our stability and reliability as a financial institution. We are dedicated to maintaining transparency and accountability while offering competitive rates on loans and deposits. Our team of knowledgeable staff is always ready to assist you with your financial questions or concerns.

Our Mission

The mission of Horizon Credit Union is clear: we strive to provide exceptional financial services while fostering a sense of community among our members. We believe that when our members thrive, the entire community benefits. We offer various services including checking and savings accounts, auto loans, mortgages, and credit cards with rewards all designed with your needs in mind. Our commitment goes beyond just providing financial products; we actively engage in community outreach initiatives and partnerships that support local growth and development. By investing in the communities we serve, we aim to create lasting relationships based on trust and mutual success.

Branch Location & Accessibility

Welcome to Horizon Credit Union, your friendly financial partner conveniently located at 701 S Baltimore St in Kirksville, MO. Nestled in the heart of Adair County, our branch is easily accessible for all your banking needs. Whether you're stopping by for a quick deposit or seeking assistance with loans and accounts, we're here to help you every step of the way. If you need to send us any official correspondence, please note that it should be directed to our mailing address at P. O. Box 554, Macon, MO 63552. This ensures your documents reach us promptly. Our branch is strategically situated near popular landmarks, making it simple to find us. With ample parking available right outside, visiting Horizon Credit Union is a breeze. We've also taken care to ensure our location is fully accessible for all members, featuring ADA-compliant ramps and entrances. At Horizon Credit Union, we pride ourselves on providing flexible banking options that suit your lifestyle. Our lobby hours are designed with your convenience in mind: we're open from 8:00 AM to 4:30 PM Monday through Thursday and extend our hours until 5:00 PM on Friday. If you're on the go, take advantage of our drive-thru service for quick transactions without leaving your car. Need cash? No problem! We have an ATM available for easy withdrawals and balance checks. Plus, with services ranging from checking and savings accounts to auto loans and credit cards with rewards, we have something for everyone. Feel free to give us a call at 660-385-8205 if you have any questions or need assistance before visiting. We can't wait to welcome you into our community and help you achieve your financial goals!

Member Eligibility

Joining the Horizon community means becoming part of a welcoming family that prioritizes your financial well-being. If you're interested in becoming a member of Horizon, you'll be pleased to know that eligibility is straightforward and inclusive. Generally, anyone who lives, works, or worships in the areas we serve can apply. This makes it easy for you to join a supportive network focused on helping you reach your financial goals. For more detailed information about eligibility criteria, feel free to visit our website. Opening an account with us is just as easy as becoming a member! You can start the process by visiting our branch located at 701 S Baltimore St Kirksville Mo 63501, or give us a call at (660) 385-8205 if you have any questions. We're here to help you every step of the way as you take this exciting step towards better banking options and community support.

Business Banking & Commercial Services

Financing Your Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $4 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $278,444, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Matter

Imagine having the tools to accept payments easily from your customers, whether they're shopping online or visiting your store. Our merchant services provide flexible solutions tailored to fit your needs, allowing you to focus on what you do best running your business. Located at 701 S Baltimore St, Kirksville, MO 63501, we invite you to explore how Horizon can be a partner in your business success. For more information, call us at 660-385-8205 or visit us online at Horizon Credit Union.

Comprehensive List Of Services

Business Banking

For our business members, we offer essential services such as merchant services and business loans. We understand that running a business comes with its own set of challenges, which is why our team is ready to partner with you every step of the way. At Horizon, we believe that banking should be more than just transactions; it should be about building relationships within our community. Our friendly staff is always available at (660) 385-8205 during our operating hours Monday through Thursday from 8:00 AM to 4:30 PM and Friday from 8:00 AM to 5:00 PM to assist you with any questions or concerns. We invite you to explore all that Horizon Credit Union has to offer. Your financial success is our mission! Visit us today or check out more information on our website at https://www.yourhcu.com/. Together, let's achieve your financial goals!

Credit Cards with Rewards

Our credit cards come with rewards programs that allow you to earn points on everyday purchases. This means not only can you manage your spending, but also get something back in return! It's just another way we strive to add value to your financial journey.

Home Loans

Thinking about buying a home? We offer mortgage loans and refinancing options that can help make your dream home a reality. Our knowledgeable staff can assist you in navigating the sometimes complex world of home financing, helping you secure the best rate available.

Personal Banking

Our personal banking services include checking and savings accounts that help you manage your day-to-day finances effectively. Imagine having the convenience of online and mobile banking right at your fingertips. With features like e-statements and electronic signature authorization, managing your account is simpler than ever. Plus, when you need cash, our ATM services and drive-thru banking make withdrawals quick and easy.

Personal Loans

For those unexpected expenses or debt consolidation needs, our personal loans are designed to give you peace of mind. With straightforward terms and competitive rates, we aim to provide financial solutions that work for you without added stress.

Vehicle Financing

When it's time to purchase a new car or refinance your current vehicle, our auto loans are tailored to fit your budget. At Horizon, we provide competitive rates and flexible terms that can help ease the financial burden of buying a vehicle. Our team is here to guide you through the process, ensuring you find the best financing option for your needs.

Digital & Online Banking

Key Features for Your Convenience

With our 24/7 online banking services, you can check your balance, pay bills, and transfer money anytime you need. Simply visit us at https://www.yourhcu.com/ to get started! If you're looking to send money quickly to friends or family, our person-to-person transfers feature allows you to do just that with ease. No more waiting in line just a few taps on your device, and you're done! For those who prefer to manage their accounts through their smartphones, our mobile application is here to help. You can access all your banking needs from the palm of your hand. Plus, with electronic signature authorization, signing documents is quick and straightforward no need for printing or mailing.

Security You Can Trust

At Horizon, security is our top priority. Our digital banking services come equipped with robust security measures so you can manage your money confidently. With user-friendly features tailored for convenience and real-time account management, you'll find it easy to stay on top of your finances. In summary, whether you're looking for flexibility in managing your accounts or wanting to make transactions more efficiently, our digital and online banking services provide everything you need at Horizon. Embrace the convenience today!

Stay Informed with E-Statements

We also offer e-statements to keep you updated on your account activity without the clutter of paper. Enjoy the peace of mind knowing that your statements are stored securely online and accessible whenever you need them.

Financial Strength

Commitment to Operational Efficiency

Our operational efficiency is reflected in our net income of $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 18 full-time employees and 1 part-time employee, ensuring our branches are always ready to serve you with a knowledgeable and committed team.

Growing Membership Base

Total Share Accounts stand at 9,375, showing a strong and growing member base that trusts us with their finances. This trust reflects our commitment to being your reliable partner as you navigate your financial journey. 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 701 S Baltimore St Kirksville Mo 63501 or call 660-385-8205 to learn more about how we can help you achieve your financial goals.

Reinvesting in Member Services

With $6,346,577 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports your financial goals across various sectors with $23,065 in used auto loans and a total of $40,320,452 in loans and leases available.

Secure Savings Opportunities

Members' savings are secured through $15,880,289 in share certificates, 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.

Strong Financial Health

With a net worth of $6,346,577, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 11.23% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $29,218,875 in used vehicle loans and $7,175,812 in new vehicle loans already helping members get on the road. We also provide refinancing options for existing auto loans to help you save even more.

Credit Lines and Commercial Loans

If you're looking for additional flexibility in managing your finances, our credit lines totaling $1,000,000 may be just what you need. Additionally, our outstanding commercial loans amounting to $278,444 provide essential capital for business owners who are ready to grow and expand their ventures. At Horizon Credit Union, we are committed to providing you with personalized service and transparent information about all our loan offerings. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. No matter your financial needs or goals, we're here to help you navigate your options. Visit us today or give us a call we're excited to assist you on your financial journey!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. Currently, we have no Junior Lien 1-4 Family Residential Property loans available. However, our dedicated team can guide you through various financing solutions tailored to fit your budget and lifestyle.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $383,808 in loans helping members manage their finances effectively. These cards come with competitive rates and no hidden fees perfect for those who want straightforward financial solutions.

Loan Aggregator

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HORIZON CREDIT UNION - Kirksville, MO

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