Horizon Credit Union Muncy PA | Affordable Vehicle Loans & ATM Services

Introduction

At Horizon, located at 867 Lycoming Mall Dr, Muncy, PA 17756, we pride ourselves on being a trusted financial partner for our community since 1955. With a commitment to serving our members, we have grown to support over 14,632 individuals and families who rely on us for their banking needs. Our total assets now stand at an impressive $142,644,227, reflecting the trust and loyalty of our membership. While you can visit us at our branch for personal service, please note that any official correspondence should be directed to our mailing address: 2849 Reach Rd, Williamsport, PA 17701. At Horizon, we believe in providing more than just financial services. Our dedicated team of 65 employees, led by CEO Justin Howard and Board President James Fedele, is here to foster relationships and ensure that every member feels valued. We offer a variety of services including checking and savings accounts, auto loans, mortgage options, and business banking solutions designed to meet your unique needs. With total deposits reaching $10,463,106 and a solid net worth of $13,487,250, we are not only financially stable but also deeply committed to reinvesting in our community. Our focus is on helping members achieve their financial goals while maintaining a friendly atmosphere where everyone feels welcome. We invite you to explore what Horizon has to offer. Whether you're looking to open an account or need assistance with loans or investments, our team is ready to help. Feel free to call us at 570-326-3636 or visit our website at horizonfcu.org for more information. Join us today and experience the Horizon difference!

Branch History & Mission

At Horizon, we take pride in our rich history and unwavering mission to serve the community of Muncy, PA. Founded in 1955, our branch has grown alongside its members, evolving from humble beginnings into a trusted financial partner for over 14,600 members today. Our commitment to providing valuable financial services is matched only by our dedication to supporting the local community. Located at 867 Lycoming Mall Dr, Muncy, PA 17756, our branch is easily accessible for all your banking needs. Whether you're visiting us for personal banking or business solutions, you'll find a welcoming atmosphere designed to make your experience as seamless as possible. For any official correspondence, please send it to our mailing address: 2849 Reach Rd, Williamsport, PA 17701. Our mission is simple yet profound: to empower individuals and businesses through comprehensive financial solutions while fostering community growth and development. We believe that strong communities build strong futures. That's why we offer a wide range of services including checking and savings accounts, auto loans, mortgage options, credit cards with rewards, and various business banking solutions. Our commitment extends beyond just finances; we actively engage in partnerships and outreach programs that uplift our community. As technology has advanced, so have we. We embrace digital banking innovations such as online and mobile banking, ensuring our members can manage their finances conveniently from anywhere. Our facilities are designed with accessibility in mind; we comply with ADA standards to ensure everyone can access our services without barriers. With total assets of $142,644,227 and growing every year, Horizon stands as a pillar of financial stability in Muncy. Our drive-thru service and ATM availability enhance convenience for those on the go. Our dedicated staff is here to assist you Monday through Thursday from 9:00 AM to 4:30 PM and Fridays until 6:00 PM. Join us at Horizon Credit Union and experience the benefits of being part of a cooperative that puts its members first. Together, we can achieve financial wellness while fostering a vibrant community spirit. Visit us today or reach out at 570-326-3636 to learn more about how we can help you thrive!

Branch Location & Accessibility

Accessibility and Services

At Horizon, we prioritize accessibility for all members. Our branch features ADA-compliant facilities, including ramps and ample parking space, ensuring a comfortable visit whether you're coming in for a quick transaction or a longer consultation. We also offer a drive-thru service for those who prefer banking from their vehicle. Our operating hours are designed to fit your busy schedule: we're open Monday through Thursday from 9:00 AM to 4:30 PM and extend our hours on Friday until 6:00 PM. Whether you want to speak with a member service representative or handle transactions quickly at the ATM, we're here to help.

Why Visit Us?

Not only do we provide traditional banking services such as checking and savings accounts, auto loans, and mortgage options, but we also offer convenient online and mobile banking solutions. Our team is dedicated to supporting your financial needs with friendly service every step of the way. So why wait? Come visit us today at the Horizon Muncy Branch or give us a call at 570-326-3636. We look forward to serving you!

Member Eligibility

At Horizon, we believe that joining our community should be a welcoming and straightforward experience. If you're looking to become a member, you'll find that the eligibility criteria are designed to be inclusive. Typically, individuals who live, work, worship, or attend school in our service area can easily qualify. We value everyone's unique background and aim to support your financial journey with personalized services and benefits tailored just for you. The advantages of membership at Horizon go beyond just banking; you'll enjoy access to a range of financial products like low-interest loans and high-yield savings accounts. Plus, our friendly staff is here to guide you every step of the way! To get started on your membership journey, check out the detailed eligibility requirements at https://www.horizonfcu.org/business/business-membership-savings-account/. If you have any questions or need assistance, don't hesitate to give us a call at (570) 326-3636 or visit us at 867 Lycoming Mall Dr Muncy Pa 17756. Opening an account is quick and easy find more information about how to get started at https://apps-horizon.ns3web.com/nsloan. We can't wait to welcome you into our family!

Business Banking & Commercial Services

Loan Options for Growth

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.

Merchant Services That Work for You

In addition to loans, we offer comprehensive merchant services tailored for your business needs. Imagine being able to process payments easily while managing your cash flow more effectively. Our solutions simplify transactions so you can focus on what matters most growing your business. Located at 867 Lycoming Mall Dr Muncy Pa 17756 in Muncy, PA, we're here to support you every step of the way. Contact us at (570) 326-3636 or visit our website at https://www.horizonfcu.org/ for more information on how we can help you achieve your business goals.

Comprehensive List Of Services

Business Banking Services

For our business members, we offer essential services that can help you thrive. With our merchant services and business loans, running your business becomes less stressful. We know every dollar counts when it comes to growing your venture, and we're here to support you every step of the way.

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's why we provide robust online and mobile banking options so you can access your accounts anytime, anywhere. Whether you're making payments, transferring funds between accounts, or checking balances, our digital platforms are user-friendly and secure. Additionally, we have an ATM available for quick cash withdrawals and balance checks. If you prefer face-to-face interactions for simpler transactions like deposits or withdrawals, our drive-thru banking service is ready to assist.

Member Support

At Horizon, we pride ourselves on delivering excellent member service. Whether you're visiting us in person or reaching out via phone at (570) 326-3636, our knowledgeable staff is eager to answer your questions and guide you through our offerings. As a valued member of our community since 1955, we continuously strive to improve and expand our services to meet your evolving needs. Ready to take the next step? Visit us at 867 Lycoming Mall Dr Muncy Pa 17756 or check out more details on our website at Muncy Branch. Let's work together towards achieving your financial dreams!

Personal Banking Solutions

Our personal banking services are designed with you in mind. From checking and savings accounts that help you manage your day-to-day finances, to auto loans and vehicle financing that make getting behind the wheel easier than ever, we've got you covered. Are you thinking about buying a home? Our mortgage loans and refinancing options can guide you through the process smoothly. If you're facing unexpected expenses or need to consolidate debt, our personal loans and debt consolidation services provide flexible solutions. Plus, don't forget about our credit cards with rewards, which offer great benefits for everyday purchases.

Digital & Online Banking

Key Features for You

Our online banking service offers 24/7 access, allowing you to manage your finances whenever it suits you. With features like e-statements, you can quickly view and download your account statements without the clutter of paper. Plus, if you ever need to sign documents, our electronic signature authorization makes it simple and secure. For those who love the ease of mobile payments, you'll be pleased to know that Horizon supports this feature, enabling you to make transactions right from your smartphone. Our mobile application is designed for a seamless experience, letting you check balances, transfer funds, and pay bills all in one place.

Stay Connected

Need to send money to friends or family? Our person-to-person transfer option allows you to do just that with minimal hassle. It's perfect for splitting bills or sending gifts without needing cash. At Horizon, we ensure that banking is not only accessible but also safe. We implement strong security measures so that you can feel confident when managing your money online. Enjoy real-time account management and the peace of mind that comes with knowing your information is protected. In summary, whether you're using a desktop or mobile device, Horizon makes digital banking convenient and secure for all members. Explore all our online services today at https://www.horizonfcu.org/!

Financial Strength

Dedicated Team

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, committed team. Our staff is dedicated to providing personalized service that meets your unique needs.

Focused on Members

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. Our approach means your interests always come first.

Growing Membership Base

Total Share and Deposit Accounts: 44,905, showing a strong and growing member base that trusts us with their finances. This trust is what drives us to continually improve our services and offerings. 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 867 Lycoming Mall Dr Muncy Pa 17756 or call (570) 326-3636 to learn more about how we can help you achieve your financial goals.

Member Savings Security

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. This commitment to safeguarding your savings reflects our dedication to your financial well-being.

Operational Efficiency

Our operations reflect efficiency with a net income of $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We work hard to keep our costs low so that we can pass those savings onto you.

Reinvestment for Improvement

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. This reinvestment strategy helps us provide you with cutting-edge services that make banking easier and more accessible.

Strong Financial Health

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 $945 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Supporting Your Goals

We understand the importance of having access to funds when you need them. With $2,693 in used auto loans and $94,153,908 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Whether it's financing a new car or meeting personal needs, we're here to help.

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 interest rates to ensure you get the best deal possible on your vehicle financing.

Business Financing

For business owners, our outstanding commercial loans totaling $85,301 provide the capital needed to grow and expand. We believe in supporting local businesses by offering tailored solutions that align with their unique needs. If you're interested in refinancing any existing loans or learning more about eligibility options for any of our products, please reach out. Our dedicated staff at Horizon is ready to assist you every step of the way. For any inquiries or more information about our loan offerings at Horizon, located at 867 Lycoming Mall Dr, Muncy Pa 17756, please call us at 570-326-3636. 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 reaching your financial goals!

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. Our team is here to guide you through the process and help you find the right mortgage solution for your situation.

Personal Loans and Credit Lines

In addition to our auto and mortgage loans, we offer unsecured credit card loans with a total of $3,188,197 available for our members. These flexible terms allow you to manage your finances effectively while enjoying rewards and benefits associated with our credit card offerings. If you're looking for personal loan options or credit lines totaling $2,900,492, we can assist you in finding a solution that fits your lifestyle.

Loan Aggregator

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Horizon