Horizon Credit Union Macon MO | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Horizon Credit Union, where our members are at the heart of everything we do. Located at 310 N Missouri St, Macon, MO 63552, we have been proudly serving our community since 1954. With a strong commitment to providing personalized financial services, we currently boast a membership of 6,023 individuals who trust us with their financial needs. At Horizon, we understand that your financial journey is unique. That's why we offer a range of services including checking and savings accounts, auto loans, mortgage loans, personal loans, and even credit cards with rewards. We're dedicated to helping you achieve your goals while ensuring that your money is safe and accessible. Our total assets stand at an impressive $56,537,662, backed by a solid net worth of $6,346,577. Under the leadership of our CEO, Lara Lucas, and Board President Dennis Fessler, our team of 19 employees is here to assist you every step of the way. Whether you're looking for advice on loans or seeking help with online banking, we are just a call away at 660-385-8205. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to our mailing address: PO Box 554, Macon, MO 63552. We invite you to explore what Horizon Credit Union has to offer. With total deposits reaching $4,960,447 and cash in hand amounting to $474,495, you can rest assured knowing that your finances are in capable hands. Come visit us today or check out our website at yourhcu.com for more information on how we can serve you better!

Branch History & Mission

At Horizon Credit Union, our story began in 1954, rooted in the heart of Macon, MO. Over the decades, we have grown from a small local credit union into a trusted financial partner for our community, now proudly serving over 6,000 members. Our branch is located at 310 N Missouri St, a central spot that makes us easily accessible to all. Whether you're just around the corner or visiting from nearby landmarks, we are here to support your financial journey. From the start, our mission has been clear: to provide exceptional financial services while fostering a strong sense of community support. We believe in putting our members first offering personal banking solutions such as checking and savings accounts, auto loans, mortgages, and credit cards with rewards. Our goal is to empower individuals and families to achieve their financial aspirations and build a secure future. As we've evolved through the years, we've made significant strides in enhancing our service delivery. With total assets of $56,537,662, we are committed to maintaining the highest standards of security and service. Our modern branch offers online and mobile banking options for convenience. For those who prefer face-to-face interactions, our drive-thru banking allows you to conduct simple transactions without leaving your vehicle. Horizon Credit Union isn't just about banking; it's also about being an integral part of the Macon community. We actively engage in outreach efforts and partnerships that uplift local initiatives. Whether it's supporting schools or hosting community events, we strive to give back and make a meaningful impact. For any official correspondence, please direct it to PO Box 554, Macon, MO 63552; however, we invite you to visit us at our main location for all your banking needs. Our doors are open Monday through Thursday from 7:30 AM to 4:30 PM and on Friday until 5:00 PM. We encourage you to experience the benefits of being part of Horizon Credit Union. Join us today and discover how we can help you reach your financial goals while building a stronger community together! For more information or inquiries, feel free to call us at 660-385-8205 or visit our website at yourhcu.com.

Branch Location & Accessibility

Convenient Access and Parking

At Horizon, we understand the importance of accessibility. Our location offers ample parking with designated spots for those who need them, ensuring that every member can easily access our services. The branch is ADA compliant, featuring ramps and other accessibility features to make your visit comfortable.

Drive-Thru Banking and ATM Services

For added convenience, we offer drive-thru banking for simple transactions like deposits and withdrawals. If you're in a hurry or prefer not to enter the branch, our drive-thru service makes it easy! Additionally, we have an ATM available for quick cash withdrawals and balance checks anytime you need it.

Get in Touch

If you have questions or need assistance before your visit, feel free to call us at 660-385-8205. Our friendly staff is ready to help you with all your banking needs. We look forward to welcoming you soon at Horizon Credit Union!

Operating Hours That Fit Your Schedule

Our doors are open for you during the week! You can visit us from Monday to Thursday between 7:30 AM and 4:30 PM, and on Fridays from 7:30 AM to 5:00 PM. Whether you're looking to open an account, apply for a loan, or just have a chat about your financial goals, we're here for you during these hours.

Shared Services for Extra Convenience

Horizon Credit Union also participates in shared services, allowing members of partner credit unions to complete basic transactions at our location. This means more options for you when managing your finances! While you can visit us at 310 N Missouri St, any official correspondence should be sent to our mailing address at PO Box 554, Macon, MO 63552.

Member Eligibility

At Horizon, we believe that becoming a member means joining a community that cares about your financial well-being. If you're looking to join us, the process is straightforward and welcoming! Anyone who lives, works, worships, or attends school in our local area is eligible for membership. Additionally, if you have a family member who is already part of our credit union, they can help you join too! This opens the door to a range of benefits including competitive rates on loans and savings products, personalized service, and access to a variety of financial tools designed to empower you. For more details on eligibility requirements, feel free to check out our resource page. Opening an account with us is just as easy! You can start the process by calling us at (660) 385-8205 or visiting us at our branch located at 310 N Missouri St Macon Mo 63552. Our friendly team is here to assist you every step of the way. We look forward to welcoming you into the Horizon family and helping you achieve your financial goals!

Business Banking & Commercial Services

At Horizon, we understand that running a business comes with its own set of challenges and opportunities. That's why we're dedicated to providing tailored solutions that empower business owners in our community. Whether you're starting a new venture or expanding an existing one, our commercial loan options can help you achieve your goals. Imagine a local café owner who dreams of opening a second location. With our member commercial loans, we've funded over $4 in loans, giving entrepreneurs like them the financial boost they need to scale their operations and serve more customers. We also support the broader business community with $0 in non-member commercial loans, ensuring flexible financing is available for all. Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - With an outstanding commercial loan portfolio of $278,444, we continue to drive economic growth by financing new and expanding businesses. Additionally, our merchant services simplify payment processing for businesses of all sizes. Imagine being able to accept payments quickly and securely, allowing you to focus on what matters most growing your business. For more information about how we can support your business journey, visit us at 310 N Missouri St Macon Mo 63552 in Macon, MO, or give us a call at (660) 385-8205. Let's work together to make your business dreams a reality!

Comprehensive List Of Services

Business Banking

For our business members, we understand the unique challenges you face. That's why we provide comprehensive business banking services, including merchant services and business loans that can help fuel your growth. With our support, managing your business finances becomes straightforward and hassle-free.

Convenient Access

We know that life can get busy, which is why convenience is key. At Horizon, enjoy features like ATM and cash withdrawal services for quick access to your funds anytime. Our basic drive-thru banking allows for easy deposits and withdrawals without leaving your car perfect for those on-the-go moments! Additionally, if you're a member of a partner credit union, take advantage of our shared branch transactions for deposits and withdrawals.

Join Us Today!

At Horizon, we're committed to helping you navigate your financial journey with confidence. Explore all of our services today by visiting us at our website or stopping by our branch in Macon, MO. Let us be part of your success story!

Loans and Financing

When it comes to financing, Horizon is here to help you make significant purchases without the stress. Our auto loans and vehicle financing options enable you to hit the road in style with manageable monthly payments. If you're considering buying a home, our mortgage loans and refinancing services can guide you through the process, ensuring you find the best rates available. Need some extra cash? We also offer personal loans and debt consolidation options that can help ease financial burdens. Plus, with our credit cards with rewards, every purchase brings you closer to exciting perks!

Personal Banking

Managing your money should be simple and effective. That's why we offer a variety of personal banking options, including checking and savings accounts that fit your lifestyle. Our accounts are designed to help you save while enjoying easy access to your funds. Imagine being able to deposit checks from your phone or easily transfer money to friends all through our user-friendly online and mobile banking services.

Stay Connected

With all these services at your fingertips, staying connected has never been easier! Our online banking platform lets you manage accounts from anywhere, while our mobile application provides secure access right from your phone. Plus, if you need assistance or have questions, feel free to reach out at (660) 385-8205.

Digital & Online Banking

Key Services

Our online banking features are user-friendly and packed with tools to help you manage your money effectively. Need to sign documents quickly? Our electronic signature authorization makes it easy to complete transactions without the hassle of printing or mailing forms. Plus, you can opt for e-statements to stay organized and reduce paper clutter yes, we offer e-statements for your convenience! If you're always on the go, our mobile application is here to help. You can make person-to-person transfers effortlessly, ensuring that sending money to friends or family is just a few taps away. Although we currently don't support mobile payments, our app provides all the essential features you need for real-time account management.

Security and Accessibility

Security is a top priority at Horizon. Our online services use advanced encryption technology to protect your personal information. This means you can bank with confidence, knowing that your data is safe. Accessibility is another key focus for us. Whether you're at home or out and about, managing your accounts has never been easier. With features like person-to-person transfers and electronic signatures, we aim to provide a banking experience that fits seamlessly into your life. Join us today at Horizon and explore how our digital and online banking services can simplify your financial management! For more information, visit us at https://www.yourhcu.com/ or call us at (660) 385-8205.

Financial Strength

Growing Member Base

With 9,375 total share accounts, we have a strong and growing member base that trusts us with their finances. This collective trust is what fuels our commitment to providing excellent service and support. In conclusion, 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 310 N Missouri St Macon Mo 63552 or call (660) 385-8205 to learn more about how we can help you achieve your financial goals.

Investing Back into Our 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. This commitment helps us maintain quality service while adapting to your evolving financial needs.

Lending Capacity

Our commitment to helping you achieve your financial goals is evident in our lending capacity. We have $23,065 in used auto loans and $40,320,452 in total loans and leases available for our members. This means that whether you're looking to buy a car or need personal financing, we're here to assist.

Member-Centric Savings

Your savings are secure with us. We have $15,880,289 in share certificates, which provide stable and rewarding financial growth opportunities for our members. While we focus on our members' needs, we also hold $0 in non-member deposits, making sure our resources are dedicated to benefiting you through better loan rates and exclusive perks.

Operational Efficiency

Our operational efficiency is reflected in our $40,889, enabling us to continue offering competitive loan rates and solid financial products for our members. Additionally, we pride ourselves on having a dedicated team of 18 full-time employees and 1 part-time employees who are always ready to serve you with expertise and care.

Our 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. Whether you're interested in a brand-new model or a reliable used option, our team is here to assist you every step of the way.

Business Financing

For business owners, our outstanding commercial loans totaling $278,444 provide the capital needed to grow and expand. We understand the importance of having access to funds when you need them most. At Horizon Credit Union located at 310 N Missouri St Macon Mo 63552, we're committed to offering personalized service tailored to meet your individual needs. If you have questions about our loan products or need assistance in finding the right loan for you, don't hesitate to give us a call at 660-385-8205. 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. Let us help you navigate your financial journey today!

Mortgage Loans

Thinking about homeownership? While we currently do not have any Junior Lien 1-4 Family Residential Properties loans available, we encourage you to reach out for potential mortgage options that may suit your needs. If you're considering refinancing your existing mortgage, our knowledgeable staff can guide you through the process and discuss eligibility options.

Unsecured Credit Card Loans

Managing expenses can sometimes be challenging. That's where our unsecured credit card loans come into play. With a total of $383,808 in unsecured credit card loans helping members manage their finances effectively, we offer flexible terms that cater to your unique situation.

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HORIZON CREDIT UNION - Macon, MO

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