Horizon Credit Union Lock Haven PA | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Horizon, your trusted financial partner in Lock Haven, PA! Located at 217 W Bald Eagle St, our branch has proudly served the community since 1955. With a commitment to making banking accessible and friendly, we are dedicated to providing personalized services that meet your unique needs. Our total membership of 14,632 speaks volumes about the trust and reliability we offer. At Horizon, we understand that each member's financial journey is different. That's why we provide a range of services from checking and savings accounts to auto loans and mortgage options. Our total assets stand at an impressive $142,644,227, backed by total deposits of $10,463,106. Whether you're looking for personal loans or business banking solutions, our experienced team is here to help. Led by our CEO Justin Howard and Board President James Fedele, our dedicated staff of 65 employees is ready to assist you with any financial inquiries. We also pride ourselves on maintaining a strong net worth of $13,487,250 and cash in hand amounting to $1,885,786, ensuring that we can support our members when it matters most. While you can visit us directly at our branch address for all your banking needs, official correspondence should be sent to the same address: 217 W BALD EAGLE ST, LOCK HAVEN, PA 17745. Feel free to reach out via phone at 570-748-4553 during our operating hours (Monday-Thursday: 9 AM - 4:30 PM; Friday: 9 AM - 6 PM) for any questions or assistance. We invite you to explore our offerings further on our website here and discover how we can help you achieve your financial goals. Your journey towards better banking starts with Horizon!

Branch History & Mission

Accessibility and Innovation

In today's digital world, we understand the importance of convenience and accessibility. That's why we've embraced technology to enhance your banking experience. With options for online banking, mobile payments, e-statements, and person-to-person transfers, managing your finances has never been easier. Additionally, our branch is ADA compliant, ensuring that all members can access our services comfortably. For those who prefer face-to-face interactions, our drive-thru service makes banking straightforward and efficient. We're also proud to offer ATM availability for quick cash withdrawals and balance checks.

Commitment to Community

From the very beginning, Horizon has prioritized community involvement. We actively participate in local events and partner with organizations that share our values. Our goal is not just to support our members financially but also to contribute positively to the community's well-being. Whether it's sponsoring youth sports teams or engaging in financial literacy programs, we strive to make a meaningful impact in Lock Haven and beyond.

Join Us

As we continue to grow and adapt to meet the needs of our members, we invite you to become part of the Horizon family. Whether you're looking for reliable banking services or want to get involved in your community through meaningful outreach programs, we're here for you. Visit us at 217 W Bald Eagle St or call us at 570-748-4553 for more information on how you can join Horizon Credit Union today! Experience the difference that comes from being part of a credit union that truly cares about its members and their community.

Branch Location & Accessibility

Welcome to Horizon's Lock Haven Branch Office, conveniently located at 217 W Bald Eagle St, Lock Haven, PA 17745. This central spot is easy to find and surrounded by familiar landmarks, making it a convenient destination for our members. Whether you're heading to the nearby park or visiting local shops, stopping by for your banking needs is a breeze. At Horizon, we prioritize accessibility for all our members. Our branch features ADA-compliant entrances and ramps, ensuring everyone can visit us with ease. We have ample parking available, so you won't have to worry about finding a spot when you come in. Our friendly staff is here to assist you during our operating hours: Monday through Thursday from 9:00 AM to 4:30 PM and Friday until 6:00 PM. If you're in a hurry or prefer banking on the go, we also offer ATM services for quick withdrawals and balance checks. For those who enjoy the convenience of drive-thru banking, we are pleased to provide basic drive-thru services for deposits and simple transactions. While members can visit us at 217 W Bald Eagle St, official correspondence should be sent to the same address as there is no different mailing address. If you have any questions or need assistance, feel free to reach out at 570-748-4553; our team would love to help! Come experience the convenience and personal touch that Horizon offers at our Lock Haven Branch Office. We look forward to serving you!

Member Eligibility

At Horizon, we believe that becoming a member is like joining a close-knit family where everyone supports each other. If you're looking to join us at our Lock Haven location, located at 217 W Bald Eagle St, you're in the right place! Membership is open to anyone who lives, works, worships, or attends school in Clinton County and surrounding areas. This means that if you're part of our vibrant community, you can enjoy all the benefits we have to offer. Not only do you gain access to a range of financial products and services tailored to your needs, but you also become part of an organization that truly cares about its members. Opening an account is simple and straightforward. You can find all the details about eligibility and how to get started by visiting our website at Horizon Membership Eligibility. If you have any questions or need assistance along the way, don't hesitate to give us a call at 570-748-4553. We're excited to welcome you into our community!

Business Banking & Commercial Services

At Horizon, we understand that every business has its unique journey. Whether you're just starting or looking to expand, we're here to help you thrive. Our commercial loan products are designed to fuel your growth and support your ambitions. Imagine a local café wanting to renovate its space. With our guidance and a member commercial loan, which totals over $1, we can help transform that dream into reality. Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $1 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $85,301, we continue to drive economic growth by financing new and expanding businesses. In addition to loans, we offer merchant services that make transactions easier for you and your customers. Picture a small retail shop using our services to accept payments quickly and securely streamlining operations while enhancing customer satisfaction. Located at 217 W Bald Eagle St Lock Haven Pa 17745, Lock Haven, PA 17745, we invite you to explore how our business banking solutions can help your enterprise flourish. Contact us at (570) 748-4553 today!

Comprehensive List Of Services

Accessibility at Its Best

Our branch also features basic drive-thru banking for quick deposits, withdrawals, and simple transactions without leaving your vehicle. We're proud to have an ATM available on-site for balance checks and cash access when you're on the go. At Horizon in Lock Haven, we're more than just a credit union; we're part of your community's financial fabric. Our team is dedicated to providing personalized service with a smile. If you're ready to take the next step in managing your finances or want to learn more about how we can assist you, give us a call at 570-748-4553 or visit us online at horizonfcu.org. Join us today and experience the difference!

Business Solutions That Work

If you're a business owner, Horizon understands the unique challenges you face. That's why we offer specialized business banking services including merchant services and business loans designed to support your growth. We believe that when businesses thrive, communities flourish.

Embracing Digital Convenience

In today's fast-paced world, convenience is key. That's why we provide comprehensive online and mobile banking services that allow you to manage your finances from anywhere at any time. With features like person-to-person payments and e-statements, handling your money has never been easier. Plus, our ATM services ensure that cash withdrawal is accessible whenever you need it.

Personal Banking Made Easy

When it comes to personal banking, Horizon offers various options designed with your lifestyle in mind. From checking and savings accounts that help you manage your day-to-day expenses to auto loans and vehicle financing that make purchasing your dream car achievable, we've got you covered. If you're looking to buy a home or refinance an existing mortgage, our competitive mortgage loans can guide you through that process too. For those unexpected expenses or plans that require extra funding, our personal loans and debt consolidation options are flexible and straightforward. Plus, don't forget about our rewards-packed credit cards, which add value to your spending while helping you earn points for future purchases.

Digital & Online Banking

Always Accessible

With 24/7 online banking services, help is just a click away whenever you need it. You can handle transactions at any hour without needing to visit a branch physically. At Horizon, we believe that banking should be straightforward and accessible for everyone. Discover how our digital banking services can simplify your life today! Join us at Horizon and experience the convenience of modern banking tailored just for you.

Security and Convenience

Security is our top priority. We use advanced technology to protect your personal information, giving you peace of mind as you bank online. Plus, with electronic signature authorization available, signing documents has never been easier or more secure. Our mobile application enhances your banking experience even further. Not only can you manage your accounts on the go, but you can also make mobile payments effortlessly. Whether you're splitting a bill with friends through person-to-person transfers or making purchases at your favorite stores, our features are designed to fit seamlessly into your lifestyle.

Financial Strength

A Solid Foundation

With a net worth of $13,487,250, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 9.45% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Growing Membership Trust

Total Share Accounts stand at 44,905, showing a strong and growing member base that trusts us with their finances. This trust is reflected in our commitment to maintaining high standards of service while being responsive to your needs. 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 217 W Bald Eagle St Lock Haven Pa 17745 or call 570-748-4553 to learn more about how we can help you achieve your financial goals.

Member Savings & Investments

Members' savings are secured through $4,144,527 in share certificates and $3,789,223 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 net income reflects our operational efficiency at $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 62 full-time employees and 3 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team.

Reinvesting in Our Community

With $11,032,342 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 members' financial goals across various sectors with $94,153,908 in total loans and leases and $2,693 in used auto loans.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $38,999,100 in used vehicle loans and $6,414,008 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive rates that can fit any budget.

Commercial Loans

For business owners, our outstanding commercial loans totaling $85,301 provide the capital needed to grow and expand your business ventures. We are committed to supporting local businesses in our community. If you're considering refinancing options or want to learn more about eligibility criteria for our various loan products, don't hesitate to reach out. You can contact us at 570-748-4553 or visit us during our operating hours: Monday through Thursday from 9:00 AM - 4:30 PM and Friday from 9:00 AM - 6:00 PM. 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 find the right loan solution tailored to your unique needs today!

Credit Lines

For those who prefer flexibility in their borrowing options, our credit lines are available with a total of $2,900,492. This allows you to access funds as needed while only paying interest on what you use.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $8,610,260, make buying or refinancing simple. We are here to guide you through the process and help you secure a home loan that works for you.

Unsecured Credit Card Loans

Managing everyday expenses can be challenging. That's why we also offer flexible terms on unsecured credit card loans, with a total of $3,188,197 in loans helping members manage their finances effectively. Enjoy peace of mind knowing you have support when unexpected costs arise.

Loan Aggregator

Ensuring Accurate Loan Comparisons

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 all offers presented are fair and transparent, allowing consumers to trust the information they receive. By working only with verified institutions, LendMesh guarantees that users are viewing legitimate offers tailored to their needs.

Key Benefits of Using LendMesh

- Verified Data: All loan offers come from established financial institutions, ensuring that you receive accurate and trustworthy information. - No Sponsored Listings: Unlike many comparison tools, LendMesh does not prioritize lenders based on paid promotions. This commitment to unbiased results means you can confidently explore options without hidden agendas. - Real-Time Rate Comparisons: With up-to-date loan rates from multiple sources, LendMesh helps users stay informed about the best available deals. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimonial highlights the genuine impact that using LendMesh can have on securing better loan terms. 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.*

Horizon