Pacific Horizon Credit Union Spanish Fork UT | Best Auto Loans & Drive-Thru Banking

Introduction

Welcome to Pacific Horizon, your trusted partner in financial well-being, located right in the heart of Spanish Fork at 375 E 300 S. Since our establishment in 1954, we've been dedicated to serving our community with a range of personal and business banking services designed to meet your unique needs. With over 8,859 members and assets totaling an impressive $129,074,716, we pride ourselves on being a cornerstone of financial support for individuals and families alike. At Pacific Horizon, we understand that navigating your financial journey can be challenging. That's why we're here to offer you tailored solutions whether you're looking for auto loans, mortgage refinancing, or even credit cards with rewards. Our commitment extends beyond numbers; we focus on building lasting relationships within our community. Under the leadership of our CEO, Mike Clayson, and Board President, John Gurley, we strive to create a welcoming environment where every member feels valued. While you can visit us at our branch for friendly service from our team of 21 employees, official correspondence should be sent to the same address: 375 E 300 S, Spanish Fork, UT 84660. We invite you to explore our online resources at pacifichorizoncu.com for more information about our services or to contact us directly at 801-615-7234. Join us as we continue to empower our members with the tools they need for financial success!

Branch History & Mission

Looking Ahead

As we continue to innovate and adapt in this digital age, we remain focused on providing excellent service. Members can take advantage of online banking and mobile applications for convenience while still enjoying personal interactions when they visit us during our operating hours: Monday - Friday from 9 AM to 6 PM. Join us at Pacific Horizon and experience firsthand how we can help you achieve your financial goals. Whether you're looking for a new account or considering a loan, our friendly team is here to guide you every step of the way. Visit us today or give us a call at 801-615-7234 we're excited to help you on your journey!

Our Mission

At Pacific Horizon, our mission goes beyond just providing financial services; we are dedicated to enhancing the lives of our members through thoughtful engagement and support. We strive to offer personal banking solutions such as checking and savings accounts, auto loans, mortgages, and credit cards with rewards. Our commitment extends to businesses as well, providing merchant services and business loans tailored to meet their unique needs. We believe in being there for our community not only through our financial products but also through outreach initiatives that strengthen local ties. By fostering partnerships within Spanish Fork and surrounding areas, we aim to make a positive impact on the lives of those we serve.

Branch Location & Accessibility

Convenient Access and Features

Parking is readily available for your convenience, and we take pride in our commitment to accessibility. The branch is equipped with ADA-compliant features, including ramps, so everyone can enjoy easy access to our services. Whether you're visiting us for a quick transaction or needing assistance with more complex banking needs, our team is here to help.

Operating Hours

We are open Monday through Friday from 9 AM to 6 PM, providing ample opportunity for you to stop by after work or during your lunch break. If you prefer a bit more privacy while banking, our drive-thru service allows you to handle deposits and withdrawals without leaving your car.

Services Offered

At Pacific Horizon, we offer a wide range of services tailored to meet the needs of our members. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we have solutions that fit every financial situation. Plus, our ATM services provide easy access for cash withdrawals and balance checks right from your pocket. While members can visit us at 375 E 300 S Spanish Fork Ut 84660, official correspondence should be sent to the same address for clarity. If you have questions or need assistance, feel free to call us at (801) 615-7234. We're excited to serve you! Come visit us today or check out our website at Pacific Horizon for more information on how we can help you achieve your financial goals.

Member Eligibility

Joining the family at Pacific Horizon is a wonderful step toward enjoying personalized financial services and community support. To become a member, you'll find that eligibility is open to anyone who lives, works, worships, or attends school in the areas we serve. Whether you're a long-time resident of Spanish Fork or new to the community, there's a place for you here. You can easily check all the specific details about eligibility on our website at . Once you're ready to take the plunge, opening an account is straightforward and welcoming! Simply visit us online at https://mobicint.net/phc/userenrollment to get started. If you have any questions or need assistance along the way, don't hesitate to reach out at (801) 615-7234. We're excited to have you join our vibrant community at Pacific Horizon, located at 375 E 300 S Spanish Fork Ut 84660, where your financial well-being is our top priority!

Business Banking & Commercial Services

Loan Options for Every Need

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 $219,322, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Work for You

Imagine having the ability to accept payments anytime, anywhere. Our merchant services make it easy for you to do just that, ensuring smooth transactions for your customers. This not only enhances their shopping experience but also helps you manage your cash flow more effectively. Located at 375 E 300 S Spanish Fork Ut 84660 in Spanish Fork, UT, we invite you to explore how our business banking solutions can make a difference for you. Connect with us today at (801) 615-7234!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about getting a new car? Our Auto Loans & Vehicle Financing options make it easy for you to drive away in the vehicle you desire. We offer competitive rates and flexible terms that fit your budget. Picture yourself behind the wheel of that car you've always wanted, thanks to financing that works for you!

Business Banking

For entrepreneurs and business owners, we offer Business Banking solutions including merchant services and business loans tailored to support your company's growth. Whether you're just starting out or looking to expand, our team is equipped to assist you in achieving business success.

Convenient Access

At Pacific Horizon, convenience is key. We provide access to ATMs and cash withdrawal services so you can manage your cash flow effortlessly. Our basic drive-thru banking allows for quick deposits and withdrawals without leaving your vehicle perfect for busy days! In addition, our online banking platform makes it easy for members like you to handle transactions from the comfort of home or on the go via mobile devices. We invite you to visit us at 375 E 300 S Spanish Fork Ut 84660, call us at (801) 615-7234, or explore more about what we offer online at Spanish Fork Branch. Our team is ready and excited to assist you with all your financial needs!

Credit Cards with Rewards

Our Credit Cards with Rewards program allows you to earn points on everyday purchases that can lead to exciting rewards. Imagine using your credit card for groceries or gas and receiving rewards just for spending money you would have spent anyway!

Mortgage Loans & Refinancing

Homeownership is an important milestone for many people. With our Mortgage Loans & Refinancing services, we guide you through the process of buying your dream home or refinancing an existing mortgage for better terms. Our experienced staff will help simplify the often complex mortgage process so that owning a home becomes less daunting.

Personal Banking

We understand that managing your finances can be overwhelming at times. That's why our Personal Banking services include checking and savings accounts tailored to help you achieve your financial goals. Imagine having a reliable place to store your money while earning interest that's what our accounts provide! Plus, with our online and mobile banking features, you can access your funds anytime, anywhere.

Personal Loans & Debt Consolidation

If you're facing unexpected expenses or looking to consolidate debt, our Personal Loans & Debt Consolidation services are designed to provide you with quick access to cash when you need it most. We work closely with you to find solutions that will ease your financial burden without adding stress.

Digital & Online Banking

Key Features

Our online banking services allow you to view your account balances, transfer funds, and pay bills with just a few clicks. Plus, for those who prefer paperless options, we provide e-statements to help you keep track of your transactions without the clutter of paperwork. And if you need to send money to friends or family quickly, our person-to-person transfer feature makes it simple and efficient.

Security and Convenience

Security is a top priority at Pacific Horizon. You can rest assured that your information is protected as you navigate through our user-friendly platform. We don't currently offer electronic signature authorization for documents, but our mobile application ensures that you're always connected to your accounts securely. Whether you're making payments on the go or checking your balances from the comfort of home, our mobile application provides a seamless experience tailored to fit your lifestyle. While we don't currently support mobile payments, you can still enjoy the convenience of real-time account management through our robust online banking services available 24/7. At Pacific Horizon, we're committed to providing accessible and easy-to-use banking solutions that meet your needs. Join us today and experience the benefits of modern banking at your fingertips!

Financial Strength

Commitment to Growth

With $12,041,815 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 your financial goals with $3,119 in used auto loans and $106,749,024 in total loans and leases.

Growing Together

Total Share Accounts stand at 16,605, showing a strong and growing member base that trusts us with their finances. Net Shares available for lending currently sit at $0, highlighting our ability to support your financial needs effectively. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Pacific Horizon is your trusted partner. Visit us at 375 E 300 S Spanish Fork Ut 84660 or call (801) 615-7234 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 Savings and Investments

Members' savings are secured through $47,810,261 in share certificates and $7,169,193 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $2,985,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our operational efficiency is reflected in our $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 15 full-time employees and 6 part-time employees. This dedicated team ensures our branches are always ready to serve you with knowledge and commitment.

Our Financial Health

With a net worth of $12,041,815, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $933 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $48,555,286 in used vehicle loans and $8,279,474 in new vehicle loans already helping members get on the road. We provide competitive financing options for both new and used vehicles. If you're considering refinancing your current auto loan, we can assist with that as well.

Business Loans

For business owners, our outstanding commercial loans totaling $219,322 provide the capital needed to grow and expand your operations. We are committed to supporting local businesses and can guide you through the application process for financing tailored to your needs.

Conclusion

Our commitment is to serve you with transparency and support throughout your borrowing journey. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. If you're interested in any of our loan products or have questions about eligibility or refinancing options, don't hesitate to reach out! You can visit us at our branch located at 375 E 300 S Spanish Fork UT 84660 or call us at 801-615-7234. Let's work together towards achieving your financial goals!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $7,799,470, make buying or refinancing simple. We aim to streamline the process so you can focus on what matters most your new home.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $1,510,925 in loans helping members manage their finances effectively. Our credit cards come with competitive rates and rewards programs designed to fit your lifestyle.

Loan Aggregator

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PACIFIC HORIZON CREDIT UNION - Spanish Fork, UT