Horizon Credit Union Mt Carmel TN | Reliable ATM Services Only

Introduction

Welcome to Horizon, your trusted partner in financial well-being, located at 130 Main St W, Mt Carmel, TN 37645. Established in 1932, we take pride in serving our community with dedication and a personal touch. With over 4,300 members, we have built a strong foundation of trust and support within the region. At Horizon, we believe in providing our members with financial resources that empower them. Our total assets stand at an impressive $59,673,187, reflecting our commitment to fostering financial growth for everyone we serve. With total deposits reaching $5,792,244, our members can feel secure knowing their savings are in good hands. Led by our CEO Mark Drinnon and Board President Cindy Humphrey, we strive to create a welcoming environment where each member feels valued. Our dedicated team of 22 employees is here to assist you with your financial needs every step of the way. While you can visit us at our branch for all your banking needs, please note that any official correspondence should be sent to our mailing address at 1201 N Eastman Rd, Kingsport, TN 37664-5666. We encourage you to explore all that we offer through our website at myhorizoncu.org. Whether you're looking to open a new account or seeking guidance on loans totaling 2,441 active leases we're here to help you navigate your options confidently. Join us as we continue to grow together in this beautiful community! Feel free to call us at 423-229-9463; we look forward to hearing from you!

Branch History & Mission

Horizon has a rich legacy that began in 1932, when it first opened its doors in Mt Carmel, TN. Over the years, this credit union has grown significantly, now serving over 4,300 members and managing total assets of approximately $59.7 million. The branch is located at 130 Main St W, a central spot in the community where members can easily access essential financial services. The mission of Horizon is to empower our members through innovative financial solutions while fostering a sense of community and support. We believe in providing not just banking services, but also guidance and resources that help our members achieve their financial goals. Our focus extends beyond transactions; we aim to build lasting relationships with our members and contribute positively to the communities we serve. While members can visit us at 130 Main St W for their banking needs, official correspondence should be sent to our mailing address at 1201 N Eastman Rd, Kingsport, TN 37664-5666. This location allows us to maintain strong ties with both Mt Carmel and Kingsport. Throughout the years, Horizon has embraced advancements in technology to enhance member experiences. We offer various digital services such as online banking and mobile payments, making it easier for our members to manage their finances anytime and anywhere. Additionally, we prioritize accessibility by ensuring ADA compliance across all our facilities. Community outreach is another pillar of our mission. We actively seek partnerships with local organizations to provide support during challenging times and contribute to initiatives that uplift our neighbors. Whether it's sponsoring events or hosting financial literacy workshops, we strive to make a meaningful impact. As we look forward to the future, we invite you to join Horizon and experience the benefits of being part of a community-focused credit union. Together, we can work towards your financial aspirations while building a stronger community for everyone. For more information or to become a member today, call us at 423-229-9463 or visit our website at Horizon.

Branch Location & Accessibility

Convenient Access

Our branch features ample parking right outside, ensuring that you can pop in without any hassle. For those with mobility needs, we are committed to accessibility and have ADA-compliant entrances and pathways. We want everyone to feel welcome when they visit us.

Join Us!

We invite you to visit us at Horizon in Mt Carmel. Our team looks forward to welcoming you and helping you with all your banking needs. Don't hesitate to call us at 423-229-9463 if you need assistance or have questions before your visit. Come see how we can help make your financial journey smoother!

Operating Hours

We understand that your time is valuable. While our specific operating hours may vary, we're here to serve you during convenient times throughout the week. Feel free to give us a call at 423-229-9463 for the most up-to-date information on our hours or if you have any questions about our services.

Services Offered

At Horizon, we offer various banking services designed with you in mind. While we currently do not have ATM services or drive-thru banking available at this location, our dedicated staff is ready to assist you with your banking needs inside the branch. We aim to provide personalized service that meets your financial goals.

Member Eligibility

At Horizon, we believe that everyone deserves a place in our supportive community. Becoming a member is simple and welcoming! If you live, work, worship, or attend school in the areas we serve, you're likely eligible to join us. We're here to help you with your financial needs and provide resources tailored just for you. You can find all the specific eligibility details on our website at Horizon FCU Eligibility, where you'll see how easy it is to become part of our family. Once you've checked your eligibility, opening an account is a breeze. Feel free to reach out to us at 423-229-9463 if you have any questions or need assistance with the process. We're excited to welcome you into the Horizon community at our branch located at 130 Main St W, Mt Carmel, TN 37645. Join us today and discover all the advantages of being a member!

Business Banking & Commercial Services

Merchant Services that Matter

In addition to loans, we offer a suite of merchant services tailored for small businesses. Picture this: you're at a bustling market, and your customers want easy payment options. Our merchant services enable you to accept various payment methods seamlessly, ensuring a smooth transaction process that keeps your customers happy. Whether it's setting up point-of-sale systems or offering mobile payment solutions, Horizon is here to help you thrive in today's fast-paced marketplace. Visit us at 130 Main St W Mt Carmel Tn 37645 in Mt Carmel, TN or call us at (423) 229-9463 to learn more about how we can help your business grow!

Tailored Loan Options

Imagine having the financial backing to invest in new equipment, hire additional staff, or even open a new location. Our commercial loan options provide just that. While we currently have no member or non-member commercial loans funded, our focus remains on creating opportunities for local businesses. Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

A Community-Centric Approach

At Horizon, we understand that banking isn't just about numbers; it's about relationships and community. We strive to support our members not only with financial products but also by being a trusted partner in their financial journey. Whether you're saving for a dream vacation or looking for advice on budgeting, our team is here to guide you every step of the way.

Contact Us Today!

If you're ready to explore how Horizon can assist with your financial needs, don't hesitate to reach out! You can contact us at (423) 229-9463 or visit us at 130 Main St W Mt Carmel Tn 37645 in Mt Carmel, TN. We're excited to help you achieve your financial goals with services tailored just for you!

Digital Banking Features

In today's fast-paced world, managing your finances online has never been more important. That's why Horizon offers robust digital banking features. With our online banking platform, you can easily monitor your accounts, transfer funds, and pay bills from the comfort of your home or on-the-go using our mobile application. Plus, our person-to-person payment feature allows you to send money quickly and securely to friends and family. Our commitment to convenience extends beyond just traditional banking hours. With 24/7 access through our website at https://www.horizonfcu.org/, you can stay connected to your finances whenever it suits you best.

Member-Focused Banking Solutions

Understanding that every member has unique financial needs, we offer tailored services designed to make your banking experience smooth and effective. From personal banking options to essential services like ATM Services Only, our goal is to ensure that you have access to the tools you need when you need them. Imagine being able to withdraw cash or check your account balance at any time without the hassle of long wait times. Our ATM services provide just that convenience and accessibility right at your fingertips. Whether you're grabbing lunch in Mt Carmel or heading out for a weekend trip, having reliable ATM access can make all the difference.

Digital & Online Banking

Easy Access to Your Accounts

Our online banking services give you the freedom to check balances, pay bills, and transfer funds with just a few clicks. Whether you're at home or on the go, our 24/7 online banking ensures that your financial information is always at your fingertips.

Mobile Banking Made Simple

Stay connected with our mobile application, allowing you to manage your finances directly from your smartphone. Enjoy the convenience of mobile payments, making it easier than ever to complete transactions without cash or cards. Need to send money quickly? Our person-to-person transfer feature lets you send funds to friends and family instantly. With all these tools at your disposal, managing your finances has never been more accessible. Visit us online today at https://www.horizonfcu.org/ and experience the ease of digital banking with Horizon!

Secure and User-Friendly Features

We prioritize your security with features that protect your personal information. Although we don't offer electronic signature authorization, rest assured that our online transactions are safe and encrypted. Plus, with options for e-statements available, you can easily keep track of your account activity while helping the environment by going paperless.

Financial Strength

Committed Team

We also take pride in having 21 full-time employees and 1 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Your needs are our priority, and we're here to help you achieve your financial goals.

Growing Membership Base

Total Share and Deposit Accounts: 8,092, showing a strong and growing member base that trusts us with their finances. Our commitment to fostering an environment of trust means that every dollar you deposit helps strengthen not only your future but also the community around you. 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 130 Main St W Mt Carmel Tn 37645 or call (423) 229-9463 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.

Member-Centric Savings

Members' savings are secured through $13,111,353 in share certificates and $22 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.

Solid Financial Health

With a net worth of $6,627,258, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 11.09% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Strong Lending Capacity

With $443 in used auto loans and $41,077,478 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Our $109,779 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $7,063,668 in used vehicle loans and $2,348,429 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive interest rates to ensure that you can drive away with confidence.

Credit Lines

For those looking for additional financial flexibility, our total credit lines amounting to $5,500,000 are designed to give you peace of mind during times of uncertainty. This line of credit can be used as needed for various expenses without having to apply for a new loan each time. If you're considering refinancing any existing loans or exploring eligibility options for our various products, our team is available to assist you. We pride ourselves on making financing accessible and straightforward for our members. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We invite you to visit us at Horizon in Mt Carmel or contact us today! Let's work together toward achieving your financial aspirations.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $3,661,592, make buying or refinancing simple. Our team is ready to guide you through the process and help find the best mortgage option tailored to your financial situation.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $735,591 in loans helping members manage their finances effectively. This option provides you with access to credit when you need it most without requiring collateral.

Loan Aggregator

Benefits of Using LendMesh

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Call to Action

Compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

Ensuring Accurate Loan Comparisons

LendMesh stands out in its commitment to transparency and reliability. Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This ensures that users receive fair and transparent offers without hidden fees or surprises.

HORIZON CREDIT UNION - Mt Carmel, TN

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