Horizon Credit Union Great Falls MT | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Horizon, your trusted partner in financial wellness, located at 1500 River Dr N, Great Falls, MT 59401. Since our establishment in 1948, we've proudly served our community with a commitment to providing personalized banking solutions tailored to your needs. With a strong membership base of over 110,742 members and total assets exceeding $2 billion, we are dedicated to fostering financial growth and security for everyone in our community. At Horizon, we believe in the power of community. Our team is here to help you navigate life's financial milestones, whether you're looking to purchase your first car with one of our auto loans or seeking guidance on mortgage options. We currently offer a diverse range of services including personal banking, business loans, and credit cards with rewards that truly benefit you. Under the leadership of CEO Jeffry Adams and Board President Steve Sharon, our staff of 379 employees is passionate about delivering exceptional service. Our mission is not just about numbers; it's about building relationships based on trust and support. We take pride in having a net worth of $238,521,873 and maintaining a robust total deposit figure of $130,291,564, ensuring that your money is safe with us. While you can visit us at our branch location for all your banking needs, please remember that official correspondence should be sent to the same address: 1500 River Dr N, Great Falls, MT 59401. If you're interested in learning more about how we can assist you on your financial journey or if you have any questions, feel free to give us a call at 406-727-7323 or visit our website at hzcu.org. Join us at Horizon where your future is bright!

Branch History & Mission

At Horizon, we take pride in our rich history and commitment to the community of Great Falls, Montana. Established in 1948, our branch has grown and evolved alongside the needs of our members. From humble beginnings, we have transformed into a trusted financial partner with a total membership of over 110,000 individuals. Our journey reflects not only our dedication to providing exceptional financial services but also our unwavering focus on community support. Located at 1500 River Dr N, Great Falls, MT 59401, our branch is easy to find and accessible to all. Just a short drive from local landmarks such as the Great Falls International Airport and the scenic River's Edge Trail, we are proud to serve both residents and visitors alike. While members can visit us at this address, official correspondence should be sent to 1500 River Dr N, Great Falls, MT 59401. Our mission at Horizon is clear: we aim to improve the financial well-being of our members while fostering a sense of community. We believe in empowering people through personal banking solutions that include checking and savings accounts, auto loans, mortgage options, and credit cards with rewards. Beyond financial products, we actively participate in local outreach initiatives that enhance the lives of those around us. With total assets reaching an impressive $2 billion, we continue to innovate and adapt to meet the changing needs of our members. Our operating hours are convenient for busy schedules: Monday through Friday from 9 AM to 5 PM, with drive-thru services available starting at 7:30 AM. We also offer ATM access for quick transactions. At Horizon, we're dedicated to ensuring that every member feels valued and supported. Our commitment extends beyond just banking; we embrace partnerships with local organizations to contribute positively to our community. Whether it's providing scholarships or supporting local events, we strive to make a real impact. As we look forward to the future, we invite you to join us on this journey. Experience the benefits of being a part of Horizon where your financial goals are prioritized, and your community matters. Reach out today at 406-727-7323 or visit us online at hzcu.org to learn more about how we can assist you in achieving your dreams!

Branch Location & Accessibility

Call Us Anytime

For any inquiries or assistance, don't hesitate to call us at 406-727-7323. Our dedicated team is eager to help with everything from checking and savings accounts to auto loans and mortgages. Come visit Horizon today; we look forward to welcoming you!

Convenient Accessibility

At Horizon, we understand the importance of convenience. Our branch is designed with accessibility in mind, featuring ADA-compliant ramps and ample parking to ensure all members can easily access our services. If you need to conduct a transaction quickly, take advantage of our drive-thru banking services available from 7:30 AM to 5:00 PM on weekdays.

Nearby Landmarks

You can find us near popular local landmarks such as Giant Springs State Park and the Great Falls Convention Center, making it easy to combine errands with leisure activities. And if you ever need to send official correspondence, just remember that our mailing address is also 1500 River Dr N, Great Falls, MT 59401.

Operating Hours

We're open Monday through Friday from 9 AM to 5 PM, so whether you're stopping by before work or during your lunch break, we're here to serve you. If you prefer handling your banking outside of lobby hours, our ATM service is available round-the-clock for cash withdrawals and balance checks.

Member Eligibility

At Horizon, we believe that becoming a member is like joining a family where everyone supports each other. If you're looking to be part of this welcoming community, you'll be pleased to know that eligibility is simple and inclusive. Generally, anyone who lives, works, worships, or attends school in the Great Falls area can join us. This means if you're in our local community, we'd love for you to be part of Horizon! Joining comes with fantastic benefits such as personalized service, competitive rates on loans, and access to a variety of financial products tailored to your needs. To get started on your membership journey, check out more details about eligibility. If you're ready to open an account or have any questions, feel free to give us a call at (406) 727-7323 or visit us at our branch located at 1500 River Dr N Great Falls Mt 59401. We can't wait to welcome you!

Business Banking & Commercial Services

Financing That Fuels Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $127 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $30,863,090, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services Made Easy

In addition to loans, our merchant services are here to simplify transactions for your business. Imagine being able to process payments seamlessly, whether in-store or online. Our tools are designed with your needs in mind, making it easier for you to manage cash flow and focus on what really matters growing your business. Located at 1500 River Dr N, Great Falls, MT 59401, we invite you to explore how Horizon can partner with you on your business journey. For more information or to get started, call us at 406-727-7323. Together, let's build a brighter future for your business!

Comprehensive List Of Services

Business Banking Services

For small business owners, we know how important it is to have reliable financial support. That's why we offer comprehensive business banking solutions, including merchant services and business loans tailored specifically for entrepreneurs like you.

Convenient Access

In addition to traditional banking services, we pride ourselves on providing ease of access through various channels. Enjoy the convenience of our ATM services for quick withdrawals and balance checks anytime you need them. Our basic drive-thru banking allows for hassle-free deposits and withdrawals without leaving your vehicle. At Horizon, we strive to create an environment where all members feel valued and supported. We invite you to visit us or give us a call at 406-727-7323 during our operating hours from 9 AM to 5 PM on weekdays (with drive-thru service available from 7:30 AM). Explore everything Horizon has to offer today! Let us help you navigate your financial journey with confidence. For more information about any of our services, don't hesitate to reach out or visit our website at hzcu.org. Your success is our mission!

Credit Options

Need a little extra cash? Our personal loans and debt consolidation services can help you manage unexpected expenses or consolidate existing debts into one manageable payment. Plus, with our credit cards that offer rewards, you can earn points on everyday purchases while enjoying the benefits of low-interest rates.

Personal Banking Solutions

Starting with personal banking, we offer various options including checking and savings accounts that help you manage your day-to-day finances effortlessly. Imagine having the flexibility to access your money anytime through our online and mobile banking platforms. You can check balances, make transfers, and pay bills right from your smartphone making banking not just easier but also more convenient. If you're considering a new vehicle, our auto loans and vehicle financing solutions are designed to get you on the road quickly. With competitive rates and tailored repayment plans, we make it simple for you to drive away in your new car. And for those who want to invest in their home, our mortgage loans and refinancing options provide the perfect path toward homeownership or reducing your current mortgage payments.

Digital & Online Banking

Convenient Online Banking

With our 24/7 online banking services, you can access your accounts whenever you need to. Whether you're checking your balance, paying bills, or transferring funds, everything is just a few clicks away at https://www.hzcu.org/. No more waiting in lines; manage your finances from the comfort of your home or on the go!

Easy Transfers

While person-to-person transfers are not currently offered, we provide various other options for managing your money effectively. You can easily transfer funds between your own accounts or set up automatic payments. At Horizon, we strive to make banking simple and accessible for all members. With our digital services, you're always in charge of your finances securely and conveniently!

Go Green with E-Statements

Say goodbye to paper clutter! With e-statements available, you can view your account statements digitally, making it easier to track your financial activities while also helping the environment.

Mobile Banking at Your Fingertips

Stay in control with our user-friendly mobile application. You can make mobile payments effortlessly and enjoy real-time access to your accounts right from your smartphone. Whether you're shopping or out with friends, you can complete transactions quickly and securely.

Secure Transactions

Security is a top priority for us. Our online banking platform uses advanced encryption to ensure that your information stays safe. Plus, with electronic signature authorization available, signing important documents has never been easier or more secure.

Financial Strength

A Strong Foundation

With a net worth of $238,521,873, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 11.85% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Member-Focused Savings

Members' savings are secured through $709,807,593 in share certificates and $208,929,428 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.

Operational Efficiency

Our $2,733,963 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 371 full-time employees and 8 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvestment for Growth

With $151,024,339 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. With $21,146 in used auto loans and $1,687,188,742 in total loans and leases, our lending capacity supports members' financial goals across various sectors.

Trustworthy Banking Experience

Net Shares (Funds available for lending and investments): $3,675,420. Total Share and Deposit Accounts: 147,794, 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 1500 River Dr N Great Falls Mt 59401 or call (406) 727-7323 to learn more about how we can help you achieve your financial goals.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $394,058,660 in used vehicle loans and $99,471,139 in new vehicle loans already helping members get on the road. We offer flexible terms and competitive rates to make your vehicle purchase affordable and straightforward.

Business Loans

For business owners looking to expand or invest in new opportunities, our outstanding commercial loans totaling $30,863,090 provide the capital needed for growth. We understand the unique challenges businesses face and are committed to supporting local entrepreneurs with tailored lending solutions. At Horizon, we're dedicated to providing accessible loan options for every member of our community. If you're interested in refinancing any existing loans or exploring eligibility options for our products, don't hesitate to reach out! You can contact us at 406-727-7323 during our operating hours from 9 am to 5 pm Monday through Friday. For more information on our loan offerings or to start your application process today, visit us online at Horizon. Remember that all 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 take the next step toward achieving your financial dreams!

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $83,113,536, making buying or refinancing simple. We believe that owning a home should be within reach for everyone. Our team is here to guide you through the process and help you understand your eligibility for various financing options.

Unsecured Credit Card Loans

Managing day-to-day expenses can be challenging, which is why we also offer flexible terms on unsecured credit card loans. With a total of $20,804,555 in unsecured credit card loans helping members manage their finances effectively, you'll find it easier to handle unexpected costs or consolidate existing debts.

Loan Aggregator

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HORIZON CREDIT UNION - Great Falls, MT

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans

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