Pacific Horizon Credit Union Springville UT | Best Auto Loans & Low Mortgage Rates

Introduction

Welcome to Pacific Horizon, your trusted financial partner located at 96 E Center St, Springville, UT 84663. Established in 1954, we have proudly served our community for decades, growing our family of members to over 8,859 individuals who rely on us for their banking needs. With total assets reaching an impressive $129,074,716, we are committed to providing personalized service and a wide range of financial products tailored just for you. Our dedicated team, led by CEO Mike Clayson and Board President John Gurley, works tirelessly to ensure that every member feels valued and supported. Whether you're looking for personal banking options like checking accounts or auto loans, or business solutions including merchant services and business loans, we are here to help you succeed. At Pacific Horizon, we understand that your financial health is vital. That's why we've maintained a strong net worth of $12,041,815 and total deposits of $15,671,738 ensuring that your money is safe with us. Our commitment to responsible lending is reflected in our total loans amounting to 5,601, helping our members achieve their goals while maintaining a healthy balance sheet. While you can easily reach us at our branch for all your banking needs during our lobby hours from Monday to Friday, 9 AM - 6 PM, official correspondence can be sent to the same address as our branch. We also offer convenient ATM services and drive-thru banking for those on the go. Visit us online at pacifichorizoncu.com or give us a call at 801-489-3605 to learn more about how we can assist you today! Join us at Pacific Horizon where your financial journey begins!

Branch History & Mission

At Pacific Horizon, we take pride in our rich history and unwavering commitment to serving the community of Springville, Utah. Since our doors opened in 1954, we have been dedicated to providing financial services that empower our members and foster growth in our local area. Our branch, located at 96 E Center St, Springville, UT 84663, has been a cornerstone of support for nearly seven decades. Over the years, Pacific Horizon has evolved significantly. We began as a small credit union with a handful of members and have grown into a thriving institution with a total membership of 8,859 and total assets reaching $129,074,716. This growth is not just about numbers; it's about building relationships within our community and helping our members achieve their financial goals. Our mission is simple yet profound: to provide personalized financial services that cater to the needs of our members while supporting the well-being of the communities we serve. We believe that banking should be accessible and beneficial for everyone. From checking and savings accounts to auto loans and mortgages, we strive to offer products that make life easier for you. While members can visit us at 96 E Center St Springville Ut 84663, official correspondence should be sent to 96 E Center St, Springville, UT 84663. Our operating hours are Monday through Friday from 9 AM to 6 PM, making it convenient for you to stop by or give us a call at (801) 489-3605. We also understand the importance of modern banking conveniences. That's why we offer online banking services alongside an ATM on-site and drive-thru banking options for your ease. Our commitment extends beyond just providing services; we actively participate in community outreach initiatives that strengthen ties with local organizations and residents. As part of our ongoing efforts, we embrace digital advancements while ensuring ADA compliance so all members can enjoy equal access to our services. Whether you're looking for personal loans, credit cards with rewards, or business banking solutions, Pacific Horizon is here to support you every step of the way. Join us at Pacific Horizon where your financial journey begins! Experience firsthand how we prioritize your needs while making a positive impact in Springville and beyond. Visit us today or check out more about what we offer at pacifichorizoncu.com.

Branch Location & Accessibility

Accessibility Features

At Pacific Horizon, we prioritize accessibility for all our members. Our branch is equipped with ADA-compliant features, including ramps and designated parking spots for those who need them. Whether you're visiting us in person or using our drive-thru service, we strive to make your experience as smooth as possible.

Banking Services

Our Springville Branch offers a variety of services tailored to meet your needs. From checking and savings accounts to auto loans and credit cards with rewards, we have something for everyone. Plus, with ATM availability on-site and basic drive-thru banking options for deposits and withdrawals, managing your finances has never been easier.

Contact Us

If you have any questions or need further assistance, feel free to give us a call at 801-489-3605. We invite you to visit us at the Pacific Horizon Springville Branch today! We look forward to helping you reach your financial goals.

Operating Hours

We know that life can be busy, which is why our doors are open Monday through Friday from 9 AM to 6 PM. Whether you need assistance with personal banking, auto loans, or setting up an account, our friendly staff is ready to help you during these hours.

Member Eligibility

At Pacific Horizon, we're excited to welcome you into our community! Joining us is simple and open to anyone who lives, works, worships, or attends school in the Springville area. We believe that everyone deserves access to quality financial services, and becoming a member means you'll enjoy lower fees, better rates on loans, and personalized service tailored just for you. If you're looking to become part of something special, check out our eligibility details at for the most current information. Once you're ready to take the next step, opening an account is easy! Just visit us online at https://mobicint.net/phc/userenrollment or give us a call at (801) 489-3605. Let's embark on this journey together!

Business Banking & Commercial Services

Commercial Loans

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

In addition to loans, we offer comprehensive merchant services that simplify payment processing for your business. Whether you're a retailer or a service provider, our merchant solutions can enhance your customer experience. Imagine seamless transactions that keep your business running smoothly while allowing you to focus on what you do best serving your customers. Visit us at 96 E Center St Springville Ut 84663 in Springville, UT to discover how our business banking services can empower your success! For more information, give us a call at (801) 489-3605.

Comprehensive List Of Services

Business Banking Support

For our business members, we provide comprehensive solutions including merchant services and business loans. Our team understands the challenges small businesses face and is committed to helping you succeed.

Convenient Access

In addition to traditional banking hours from Monday through Friday from 9 AM to 6 PM, we also offer ATM services for easy cash withdrawals and balance checks anytime. If you're ever in a hurry, take advantage of our basic drive-thru banking for quick deposits and withdrawals without needing to step inside.

Credit Cards and Rewards

Our credit cards with rewards give you more than just a way to make purchases; they reward you for spending! Whether it's cash back on groceries or travel points for your next vacation, these cards are designed with your lifestyle in mind.

Get Started Today!

With so many services available at Pacific Horizon's Springville Branch, it's easier than ever to take control of your finances. For questions or additional information about any of our offerings, don't hesitate to reach out at 801-489-3605. We're here to help you navigate your financial future with confidence! Discover more about us at pacifichorizoncu.com, where better banking begins!

Personal Banking Solutions

Starting with our personal banking services, we offer checking and savings accounts that help you manage your day-to-day finances effortlessly. Imagine having the freedom to access your funds anytime through our online and mobile banking platforms. You can check balances, transfer money, and pay bills right from your smartphone or computer. This convenience is perfect for busy lifestyles! If you're considering buying a car, our auto loans and vehicle financing options make it easy to drive away in the vehicle you want without breaking the bank. With competitive rates and flexible terms, we aim to support you in making sound financial decisions. Thinking about purchasing a home? Our mortgage loans and refinancing services are here to assist you every step of the way. We offer tailored solutions that fit your unique financial situation, helping you secure the best rates possible. For those unexpected expenses or larger purchases, consider our personal loans and debt consolidation options. They provide a way to simplify your finances by combining multiple debts into one manageable payment.

Digital & Online Banking

Accessibility and Ease-of-Use

Our commitment to accessibility means that whether you're tech-savvy or just getting started with online banking, you'll find everything easy to navigate. The combination of real-time account management and straightforward features ensures that you spend less time worrying about your finances and more time enjoying life. At Pacific Horizon, we're dedicated to providing a banking experience that fits seamlessly into your lifestyle. Explore our digital offerings today and take control of your financial journey!

Key Features

Our online banking platform offers a variety of user-friendly features. If you're looking to send money to friends or family, our person-to-person transfer option makes it a breeze. Just a few taps on your smartphone or computer, and the funds are on their way. For those who prefer managing their finances on the move, our mobile application is readily available for download. You can keep track of your accounts and make transactions right from your pocket. Plus, with e-statements offered at Yes, you can say goodbye to paper clutter while keeping all your important financial documents easily accessible. Security is a top priority for us. While we currently don't support electronic signature authorization (No), rest assured that all transactions are protected with advanced security measures to keep your information safe.

Financial Strength

Growing Trust

Total Share Accounts: 16,605, show a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $0 further enhance our ability to meet your needs. 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 96 E Center St Springville Ut 84663 or call (801) 489-3605 to learn more about how we can help you achieve your financial goals.

Member-Centric Resources

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 earnings this year. This performance allows 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 who are always ready to serve you with a knowledgeable, committed team.

Reinvestment for Improvement

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 is robust, with $3,119 in used auto loans and $106,749,024 in total loans and leases available to support your financial goals across various sectors.

Solid 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. Whether you're interested in financing a brand-new model or a reliable used vehicle, we have options tailored just for you.

Business Financing

For business owners, our outstanding commercial loans totaling $219,322 provide the capital needed to grow and expand. Whether you're starting a new venture or looking to boost an existing one, we are here to support your business aspirations. At Pacific Horizon, we prioritize your financial well-being by offering transparent loan options with clear eligibility criteria. We encourage you to explore refinancing options if you're looking to lower your monthly payments or access equity from your current loans. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Whether you're aiming to purchase a vehicle, buy a home, manage expenses with credit cards, or grow your business Pacific Horizon has the right solutions for you! Reach out today to discover how we can assist you on your journey toward achieving your financial dreams.

Credit Lines

For those looking for additional financial flexibility, our total credit lines amount to $15,987,388. This product is ideal for covering unexpected expenses or managing cash flow more effectively.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $7,799,470, making buying or refinancing simple. We provide guidance through each step of the process so that you can focus on making your house a 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. These cards come with various benefits and rewards that can help you make the most of your spending while building your credit history.

Loan Aggregator

Accurate Loan Comparisons

LendMesh ensures accurate loan comparisons by sourcing its data 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 means you receive fair and transparent offers that reflect the most current market conditions.

Benefits of Using LendMesh

- Verified Data: All loan offers are sourced from legitimate financial institutions. This guarantees transparency in what you see and helps you trust the information provided. - No Sponsored Listings: Unlike other comparison tools, LendMesh does not prioritize lenders based on paid promotions. Our goal is to present unbiased results so that you can make informed choices. - Real-Time Rate Comparisons: With up-to-date loan rates from multiple institutions, LendMesh empowers users to make decisions based on accurate information rather than outdated figures. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" 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.

PACIFIC HORIZON CREDIT UNION