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Hamilton Horizons Credit Union

Overview
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Hamilton Horizons Credit Union is a federal credit union based in Hamilton, New Jersey. It has been opened since 1954, for 66 years.

With around $22,840,000 in assets, Hamilton Horizons Credit Union is considered to be an average size credit union. It has 1 branches and 1 ATM locations.

About
Address 3535 Quakerbridge Road Suite 600
Hamilton, New Jersey 08619
Website http://www.hamiltonhorizons.org
Phone (609) 631-4300
Fax (609) 631-9605
CEO Lisa Macintosh
President of the Board Louise Stahl
Services Offered
Map
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Score Card
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66 years
Years in business
Opened in 1954
Well Capitalized
Net worth classification
Source: NCUA
3,236 members
Membership type: Community credit union
Average number of members
308:1
Credit union member to staff ratio
308 per each FTE employee
Compared to 411:1 nationally
Lots of staff!
$22,835,179
Total assets
Average size
1 branch
Compared with an average of 4 nationally and 2 in New Jersey
Average number of branches
0.06%
Savings interest rate
Compared to 0.3% nationally
12.70%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
Branches
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1 branch
Compared with an average of 4 nationally and 2 in New Jersey
Average number of branches
Hamilton Horizons Credit Union Branch Locations

Hamilton Horizons Federal Credit Union
3535 Quakerbridge Road Suite 600
Hamilton, New Jersey 08619
ATM Available
Members
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3,236 members
Membership type: Community credit union
Average number of members

With 3,236 members, the Hamilton Horizons Credit Union is considered to be a medium size credit union. It is larger than 46% of credit unions.

Fees
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$57
Average fee per member
The average fee per member at the Hamilton Horizons Credit Union is $57, which is comparable to most credit unions. This rate is lower than 43% of all credit unions.
Fees are average

Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the Hamilton Horizons Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff
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308:1
Credit union member to staff ratio
308 per each FTE employee
Compared to 411:1 nationally
Lots of staff!
10 staff members
FTE (full-time equivalent)
9% of employees are part-time
10 full-time, 1 part-time

Hamilton Horizons Credit Union has 10 full-time staff members and 1 part-time staff members. The staff is predominantly comprised of full-time staff, at approximately 91% of the workforce.

The number of members relative to staff members is an indication of how well staffed the credit union is. Hamilton Horizons Credit Union has around 308 members per staff, a low ratio compared to other credit unions. This is a well staffed credit union.

Assets
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$22,835,179
Total assets
Average size
Net worth
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Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
7.0%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases
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$8,522
Average loan and lease size
Loan & lease sizes are small. They are smaller than at 65% of credit unions.

Hamilton Horizons Credit Union holds a total of $16,430,000 in loans and leases, which is about $8,522 per member on average.

Savings interest rate
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0.06%
Savings interest rate
Compared to 0.3% nationally

A credit union share account is an account at a credit union. It's called a share account because the credit union is member owned and as a result, members own shares in the credit union.

A share savings account pays you interest on your savings, similar to a savings account at a bank. The interest you receive can vary. Hamilton Horizons Credit Union pays 0.06%.

Loan rates
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12.70%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
15.45%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
7.28%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates
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4.47%
New car loan rate
Compared to 4.0% nationally
6.31%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates
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6.00%
Mortgage rate (secured by junior lien)
Compared to 3.4% nationally
5.25%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally
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