Horizon Credit Union State College PA | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Horizon, your trusted financial partner located at 2451 East College Avenue Suite 100, State College, PA 16801. Established in 1955, Horizon has been dedicated to serving our community for over six decades. With a growing membership base of 14,632, we pride ourselves on being more than just a credit union; we are your neighbors and friends committed to supporting your financial journey. At Horizon, we believe in building strong relationships with our members. Our total assets of $142,644,227 reflect our stability and commitment to providing exceptional service. We understand the importance of having access to reliable financial resources, which is why we offer a range of products, including auto loans, mortgages, and business banking solutions. In fact, our total loans amount to 6,916, helping individuals and businesses achieve their goals. While you can visit us at our State College branch, please note that any official correspondence should be directed to our mailing address at 2849 Reach Rd, Williamsport, PA 17701. Whether you're looking to open a new account or need assistance with existing services, our friendly team is here for you. Led by our CEO Justin Howard and Board President James Fedele, we ensure that every decision made puts our members first. Our team of 65 employees is dedicated to delivering personalized support tailored to your unique needs. With total deposits reaching $10,463,106 and a net worth of $13,487,250, Horizon is well-equipped to provide you with the financial tools necessary for success. Additionally, our cash reserves stand at an impressive $1,885,786, ensuring that we are always ready to serve you when you need it most. We invite you to explore all that Horizon has to offer by visiting us online at horizonfcu.org or giving us a call at 570-326-3636. Join us today and experience the difference that comes from being part of a credit union truly focused on its members!

Branch History & Mission

Welcome to Horizon, your trusted financial partner in State College, PA. Since our doors opened in 1955, we have built a strong legacy of serving our community with dedication and care. Located at 2451 East College Avenue Suite 100, we are proud to be part of this vibrant town, where the spirit of collaboration and support thrives. Over the years, Horizon has grown tremendously, now boasting a membership of over 14,632 individuals and managing total assets of approximately $142,644,227. This growth reflects not only our commitment to providing excellent financial services but also our dedication to fostering relationships within the community. Our branch has evolved alongside State College, adapting to meet the changing needs of our members while maintaining a strong focus on personal service. At Horizon, our mission is simple yet profound: we aim to empower our members by providing accessible financial solutions that help them achieve their dreams. We offer a range of services including checking and savings accounts, auto loans, mortgage options, credit cards with rewards, and business banking solutions. Each service is designed with you in mind, ensuring that your experience is as smooth and beneficial as possible. While members can visit us at 2451 East College Avenue Suite 100, official correspondence should be sent to 2849 Reach Rd, Williamsport, PA 17701 if needed. Our operating hours make it easy for you to stop by Monday through Thursday from 9:00 AM to 4:30 PM, Friday until 6:00 PM, and Saturday from 9:00 AM to 12:00 PM. We are committed to embracing technology that enhances your banking experience. You can access online banking or use our mobile app for convenience right at your fingertips. Plus, with ATM availability and drive-thru services, we ensure that your banking needs are met efficiently and conveniently. Community involvement is at the heart of what we do at Horizon. We actively seek partnerships that strengthen local initiatives and provide support where it's needed most. Our outreach programs aim to uplift the community and create opportunities for everyone around us. We invite you to join us on this journey! Experience the difference that comes from being part of a credit union that truly cares about its members and community. Visit us today or explore more about how Horizon can support you financially by checking out our website here. Together, let's build a brighter future!

Branch Location & Accessibility

Welcome to Horizon's State College Branch, where convenience meets community! Located at 2451 East College Avenue Suite 100 in the heart of State College, PA, our branch is easily accessible for all your banking needs. If you need to send us any official correspondence, please use our mailing address at 2849 Reach Rd, Williamsport, PA 17701. As you visit us, you'll find that our branch is close to several local landmarks, making it a familiar stop for residents. Whether you're coming from downtown or heading in from surrounding areas, our location offers ample parking and easy access for everyone. We are proud to be ADA compliant, ensuring that all members of our community can comfortably visit us. Our friendly team is here to serve you during convenient hours: Monday through Thursday from 9:00 AM to 4:30 PM, Friday until 6:00 PM, and Saturday from 9:00 AM to 12:00 PM. Need a quick cash withdrawal? Our ATM is available for your convenience as well as drive-thru banking services for those who prefer a speedy transaction without leaving their vehicle. At Horizon, we offer a variety of services designed to meet your financial needs. From personal checking and savings accounts to auto loans and mortgage refinancing, we're here to help you achieve your financial goals. If you have any questions or need assistance, feel free to give us a call at 570-326-3636. We look forward to welcoming you at the Horizon State College Branch! Come visit us today and discover how we can support your financial journey.

Member Eligibility

At Horizon, we believe that becoming a member is like joining a family where everyone supports one another. If you're looking to be part of a community that genuinely cares about your financial well-being, you're in the right place! To become a member, you'll need to meet some simple eligibility criteria. Typically, this includes living, working, or attending school in our local area or having an immediate family member who is already a member. It's all about creating connections and fostering relationships that matter. The process of opening an account with us is straightforward and welcoming. You can start by visiting our website for more details on eligibility at https://www.horizonfcu.org/business/business-membership-savings-account/. If you're ready to take the next step, just head over to our account opening page here: https://apps-horizon.ns3web.com/nsloan. Should you have any questions or need assistance, don't hesitate to reach out at (570) 326-3636. We're excited to welcome you into the Horizon 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 merchant services that streamline your payment processes. Picture this: a local cafe using our point-of-sale systems to accept payments quickly and securely, enhancing customer experience while keeping transactions smooth and efficient. Our services empower businesses like yours to focus on what matters most serving your customers and growing your brand. If you're ready to take the next step in your business journey, visit us at 2451 East College Avenue Suite 100 State College Pa 16801 in State College, PA, or give us a call at (570) 326-3636. Let's work together to make your business goals a reality!

Comprehensive List Of Services

Accessibility and Support

Our team at Horizon is always ready to assist you with any questions or needs. You can reach us at 570-326-3636 during our operating hours: Monday through Thursday from 9:00 AM to 4:30 PM, Friday from 9:00 AM to 6:00 PM, and Saturday from 9:00 AM to 12:00 PM. We invite you to explore all that Horizon has to offer. Whether it's managing your finances or securing loans for personal or business ventures, we're committed to supporting you on this journey. Visit us today at our State College branch or check out more about our services online at Horizon FCU. Let's work together towards achieving your financial goals!

Business Banking

For our business members, we offer essential services like Merchant Services & Business Loans that can help streamline operations and support growth. Whether you're just starting or looking to expand, we're here to assist with financial products designed for businesses of all sizes.

Digital Banking Features

In today's busy world, convenience matters more than ever. That's why we provide robust Online & Mobile Banking options. With just a few taps on your smartphone or clicks on your computer, you can check balances, transfer funds, and pay bills anytime, anywhere. Our ATM & Cash Withdrawal Services ensure you have access to your cash when you need it most. Additionally, our branch features basic drive-thru banking for quick deposits and withdrawals for those on the go. If you prefer using ATMs for transactions like balance checks or cash withdrawals, we've got you covered there as well.

Personal Banking

Our personal banking services are designed with you in mind. Open a Checking or Savings Account that fits your lifestyle, making it easy to keep track of your money while earning interest on your savings. For those dreaming of a new car or needing vehicle financing, our Auto Loans & Vehicle Financing options provide competitive rates and flexible terms, allowing you to drive away in style without breaking the bank. If you're considering buying a home, our Mortgage Loans & Refinancing options can make the process straightforward and stress-free. We understand that everyone's situation is different, so we also offer Personal Loans & Debt Consolidation solutions tailored to help you manage debt effectively. Plus, our Credit Cards with Rewards let you earn points for every purchase, turning everyday spending into valuable rewards.

Digital & Online Banking

Key Features

One of the great advantages of banking with us is the option for e-statements. This feature not only helps you stay organized but also reduces paper clutter an eco-friendly choice! If you're ever in need of documents or agreements, we also support electronic signature authorization, making it simple to sign forms digitally without needing to visit a branch. For those who love convenience, our mobile application allows you to handle your banking right from your smartphone. You can make mobile payments quickly and securely or even send money to friends and family using our person-to-person transfer feature. It's like having a bank branch right in your pocket! We prioritize security so you can feel safe while managing your accounts online. Our systems are designed with top-notch security measures to protect your personal information at all times. In summary, Horizon offers a comprehensive suite of digital banking tools that provide accessibility, ease-of-use, and real-time account management. Experience the freedom of managing your finances on your terms with us today!

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. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. 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. 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. 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 is robust with $2,693 in used auto loans and $94,153,908 in total loans and leases, supporting your financial goals across various sectors. Our operational efficiency is reflected in our $0, which enables 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, committed team. Total Share and Deposit Accounts stand at 44,905, 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 2451 East College Avenue Suite 100 State College Pa 16801 or call (570) 326-3636 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 $38,999,100 in used vehicle loans and $6,414,008 in new vehicle loans already helping members get on the road. Whether you're considering a brand-new model or a reliable used vehicle, our financing options are tailored to fit your budget and lifestyle.

Business Financing

For business owners, our outstanding commercial loans totaling $85,301 provide the capital needed to grow and expand. We're committed to supporting local businesses with financing solutions that work for them.

Credit Lines

If you require additional support for unexpected expenses or projects, consider our credit lines totaling $2,900,492. This option provides you with easy access to funds when needed without the commitment of a fixed loan amount.

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 provide personalized service and guidance throughout the mortgage process, ensuring you have all the information you need to make an informed decision.

Refinancing Options

We also offer refinancing options for various types of loans. If you're looking to lower your monthly payments or adjust your loan terms, our team can help guide you through the process and find the best solution for your needs. At Horizon, we are dedicated to providing exceptional member service and financial support tailored to your unique situation. For more information about any of these loan products or to apply, please contact us at (570) 326-3636 or visit us at our branch located at 2451 East College Avenue Suite 100 State College Pa 16801 in State College, PA. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Unsecured Credit Card Loans

For those looking for flexibility in managing their finances, we also offer unsecured credit card loans, with a total of $3,188,197 in loans available. These cards come with competitive rates and terms that allow you to manage expenses effectively while building your credit score.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. By leveraging accurate data sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, LendMesh ensures that users receive fair and transparent offers based on the latest results (Source: https://www.ncua.gov). LendMesh prioritizes accuracy in its loan comparisons. The platform only includes loan offers from legitimate financial institutions, ensuring transparency in every listing. This commitment to verified data means users can trust that the rates they see are genuine and competitive. Importantly, LendMesh does not feature sponsored listings; lenders are not prioritized based on paid promotions. Instead, the goal is to deliver unbiased results that help users make informed choices. One of the standout features of LendMesh is its real-time rate comparisons. Users benefit from up-to-date information on loan rates from multiple institutions, allowing them to compare options quickly and effectively. Thousands of users have already found value in LendMesh for their loan comparison needs. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" For those seeking clarity and confidence in their borrowing decisions, LendMesh is an essential tool. 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.

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