Horizon Credit Union Missoula MT | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Horizon at our South Reserve Branch, located at 2330 S Reserve St, Missoula, MT 59801. Since opening our doors in 1948, we have dedicated ourselves to serving our community and providing exceptional financial services tailored to your needs. With a strong commitment to our members, we are proud to have built a robust membership base of over 110,742 individuals who trust us with their financial journeys. At Horizon, we believe in the power of community and strive to make a positive impact. Our total assets exceed $2 billion, demonstrating our stability and reliability as a credit union. We manage $130,291,564 in deposits and offer a wide range of loans totaling 64,288, ensuring that we have the right solutions for everyone whether you're looking for personal banking options or business financing. Our leadership team is here to guide you every step of the way. Under the direction of CEO Jeffry Adams and Board President Steve Sharon, we prioritize transparency and member satisfaction above all else. With a team of 379 employees, we're committed to providing personalized service that makes you feel valued and understood. While members can visit us at our branch location, official correspondence should be sent to: P O Box 15128, Spokane Valley, WA 99215. If you're ready to take charge of your financial future or simply want to explore what we can offer, don't hesitate! Call us today at 406-728-1790 or visit our website at hzcu.org for more information on how we can assist you. Join us on this journey towards achieving your financial goals!

Branch History & Mission

Community Focus

Our commitment extends beyond financial services; it encompasses creating meaningful connections within the community. We regularly participate in local events and initiatives that promote education and support for those in need. By partnering with organizations focused on improving lives in Missoula and surrounding areas, we aim to make a lasting impact. Horizon is also dedicated to ensuring accessibility for all members. Our facilities comply with ADA standards to provide an inclusive environment where everyone feels welcome. As we look toward the future, we invite you to become part of our story. Join Horizon today and experience firsthand the benefits of being a member of a community-focused credit union that prioritizes your financial success. Reach out by calling us at 406-728-1790 or visit our website at hzcu.org for more information on how you can get started!

Our Mission

At Horizon, our mission is clear: we are dedicated to enhancing the financial well-being of our members while making positive contributions to the communities we serve. We offer a wide range of services including checking and savings accounts, auto loans, mortgage financing, and business banking solutions. But beyond just financial services, we strive to foster community engagement through various outreach programs and partnerships. While members can visit us at our physical location on S Reserve St, official correspondence should be sent to P O Box 15128, Spokane Valley, WA 99215. We are open Monday through Friday from 9:00 AM to 5:00 PM for lobby hours and from 8:00 AM to 5:30 PM for drive-thru banking. Whether you prefer face-to-face interactions or convenient digital access through online banking and mobile payments, we have options tailored to meet your needs.

Branch Location & Accessibility

Convenient Access and Features

Our branch is designed with your convenience in mind. We offer ample parking for members, ensuring you can easily pop in without any hassle. For those who require additional assistance, our facilities are ADA compliant, featuring ramps and accessible entrances so everyone can enjoy our services without difficulty. We understand that life gets busy, which is why we strive to provide flexible operating hours. You can visit us Monday through Friday from 9:00 AM to 5:00 PM for lobby services, and if you're on the go, our drive-thru is open until 5:30 PM on weekdays. Whether you're making deposits or handling other transactions, we've got you covered.

Services Tailored for You

At Horizon South Reserve Branch, we offer a variety of services tailored to meet your financial needs. From checking and savings accounts to auto loans and mortgages, our team is dedicated to helping you achieve your financial goals. Plus, with ATM availability and drive-thru banking options, accessing your funds has never been easier! While members can visit us at 2330 S Reserve St for all their banking needs, official correspondence should be sent to P O Box 15128 in Spokane Valley if necessary.

Stay Connected

Have questions? We invite you to call us at 406-728-1790. Our friendly staff is ready to assist you! So why wait? Come by today and experience the exceptional service that makes Horizon Credit Union a trusted partner in your financial journey. We look forward to welcoming you!

Member Eligibility

At Horizon, we believe that everyone deserves a supportive financial community, and becoming a member is your first step towards joining us. If you're looking to unlock the benefits of membership at our Missoula branch located at 2330 S Reserve St, you'll find it's easier than you might think! Membership is open to individuals who live, work, worship, or attend school in our local communities. This means whether you're a long-time resident or just starting out in the area, you can take advantage of everything we offer. Plus, being part of Horizon opens the door to fantastic services like personalized banking solutions, competitive loan rates, and community-focused initiatives. Ready to get started? Opening an account is simple and welcoming! Just give us a call at 406-728-1790 for any questions or visit our website at www.hzcu.org for more details on eligibility criteria. We invite you to check out the resources available online for the latest updates on membership qualifications and account opening procedures. Join Horizon today and experience the difference of being part of a credit union that truly cares about its members!

Business Banking & Commercial Services

Financing Options for 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 That Make a Difference

Imagine processing payments quickly and efficiently, enabling your customers to pay the way they prefer. Our merchant services can help you streamline transactions, improve customer satisfaction, and ultimately boost your bottom line. Whether you're a retail store or an online service provider, our solutions are here to support your success. Visit us at 2330 S Reserve St Missoula Mt 59801 in Missoula, MT or call us at (406) 728-1790 to learn how we can help elevate your business today!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Convenience is key at Horizon. With our ATM services, you have access to cash whenever you need it. Our ATMs allow for easy withdrawals and balance checks, making banking on-the-go simple and efficient.

Auto Loans & Vehicle Financing

Thinking about purchasing a new car? Our auto loans and vehicle financing options make it easier than ever. We offer competitive rates that can help you get behind the wheel without breaking the bank. Picture yourself driving off in your dream car with monthly payments that fit comfortably within your budget.

Business Banking

For our business members, we offer tailored solutions including merchant services and business loans. Whether you're just starting out or looking to expand, our team is here to support your entrepreneurial journey.

Credit Cards with Rewards

At Horizon, we believe in rewarding our members. Our credit cards with rewards offer great benefits for everyday purchases. Imagine earning points on groceries or gas that can be redeemed for travel or cashback it's like getting paid for spending!

Drive-Thru Services

Sometimes you just need a quick transaction without stepping inside the branch. That's why we offer basic drive-thru banking for deposits, withdrawals, and other simple transactions. It's all about making your experience as smooth as possible. If you're ready to explore how Horizon can help meet your financial needs, give us a call at 406-728-1790 or visit us today! Let's work together towards achieving your financial dreams!

Mortgage Loans & Refinancing

For those ready to buy a home or refinance an existing mortgage, we provide comprehensive mortgage loans that cater to various needs. Our knowledgeable staff will guide you through the process, ensuring you understand each step along the way. This is your chance to settle into a home that suits your lifestyle!

Personal Banking

Whether you're looking to open a checking or savings account, our personal banking services are designed with your convenience in mind. Imagine having instant access to your funds through our online and mobile banking platforms perfect for busy lifestyles! You can manage your accounts, check balances, and transfer money right from your smartphone.

Personal Loans & Debt Consolidation

If you find yourself juggling multiple debts or need extra cash for an unexpected expense, our personal loans and debt consolidation options can help simplify your finances. By consolidating high-interest debts into one manageable loan, you'll find it easier to stay on track with payments.

Digital & Online Banking

Key Features of Our Online Banking

Our online banking platform, which you can explore at https://www.hzcu.org/, allows you to perform a variety of tasks with just a few clicks. Whether you want to check your balance, transfer funds, or pay bills, everything is accessible right from your computer or mobile device. Plus, with our 24/7 online banking services, you're in control of your finances on your schedule.

Mobile Application & Payments

For those who prefer managing their accounts on the go, our mobile application makes it even easier. With features like mobile payments, you can quickly make purchases using just your smartphone no need for cash or cards! You'll also enjoy the convenience of electronic signature authorization for secure transactions without the hassle of paperwork.

Statements & Transfers

Worried about missing important statements? Our e-statements feature ensures that you receive all necessary information electronically saving paper and keeping your details organized. Although we currently do not offer person-to-person transfers, there are still plenty of ways to manage and send money securely through our platform. At Horizon, we prioritize both accessibility and user-friendliness in our digital services. We invite you to experience the ease of online banking today! For more information or assistance, don't hesitate to reach out at (406) 728-1790.

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. Our commitment to transparency and reliability means you can trust that your finances are in good hands. 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 1185 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 $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. 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. Our lending capacity is robust with $21,146 in used auto loans and an impressive total of $1,687,188,742 in loans and leases, supporting members' financial goals across various sectors. 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 371 full-time employees and 8 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. 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 2330 S Reserve St Missoula MT 59801 or call 406-728-1790 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 $394,058,660 in used vehicle loans and $99,471,139 in new vehicle loans already helping members get on the road. We pride ourselves on offering flexible terms to suit your budget. Plus, if you're considering refinancing your existing auto loan, we can help you explore your options.

Business Financing

For business owners, our outstanding commercial loans totaling $30,863,090 provide the capital needed to grow and expand. Whether you're starting a new venture or need funds for operational costs, we're here to support your business ambitions. At Horizon, we believe in making financial solutions accessible and straightforward. For more information about our loan products or to discuss eligibility options tailored for you, feel free to reach out at (406) 728-1790 or visit us at our branch located at 2330 S Reserve St Missoula MT 59801. 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 look forward to helping you take the next step towards 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 are here to guide you through every step of the process and ensure you find the right mortgage product for your situation.

Unsecured Credit Cards

We also offer flexible terms on unsecured credit card loans, with a total of $20,804,555 in loans helping members manage their finances effectively. These cards come with features that allow you to earn rewards while keeping your spending under control.

Loan Aggregator

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Horizon