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Horizons Credit Union Share
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Overview Share
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Horizons Credit Union is a federal credit union based in Binghamton, New York. It has been opened since 1937, for 85 years.

With around $109,920,000 in assets, Horizons Credit Union is considered to be a large credit union. It has 4 branches and 3 ATM locations.

About Share
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Address 120 Main Street
Binghamton, New York 13905
Website http://www.horizonsfcu.com
Phone (607) 724-5876
Fax (607) 724-0613
CEO Mario Difulvio
President of the Board Richard Felo
Services Offered
Score Card Share
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85 years
Years in business
Opened in 1937
Well Capitalized
Net worth classification
Source: NCUA
11,781 members
Membership type: Community credit union
Above average number of members
380:1
Credit union member to staff ratio
380 per each FTE employee
Compared to 411:1 nationally
Average number of staff
$109,921,333
Total assets
Above average
4 branches
Compared with an average of 4 nationally and 3 in New York
Above average number of branches
0.10%
Savings interest rate
Compared to 0.3% nationally
10.00%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
Branches Share
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4 branches
Compared with an average of 4 nationally and 3 in New York
Above average number of branches
Horizons Credit Union Branch Locations

Horizons Federal Credit Union
3701 Vestal Parkway E.
Vestal, New York 13850
ATM Available
Horizons Federal Credit Union
120 Main Street
Binghamton, New York 13905
ATM Available
Horizons Federal Credit Union
519 Hooper Road
Endwell, New York 13760
ATM Available
Horizons Federal Credit Union @ Bha
45 Exchange Street
Binghamton, New York 13901
No ATM
Members Share
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11,781 members
Membership type: Community credit union
Above average number of members

With 11,781 members, the Horizons Credit Union is considered to be a large credit union. It is larger than 74% of credit unions.

Fees Share
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$56
Average fee per member
The average fee per member at the Horizons Credit Union is $56, which is comparable to most credit unions. This rate is lower than 44% 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 Horizons Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff Share
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380:1
Credit union member to staff ratio
380 per each FTE employee
Compared to 411:1 nationally
Average number of staff
31 staff members
FTE (full-time equivalent)
6% of employees are part-time
30 full-time, 2 part-time

Horizons Credit Union has 30 full-time staff members and 2 part-time staff members. The staff is predominantly comprised of full-time staff, at approximately 94% of the workforce.

The number of members relative to staff members is an indication of how well staffed the credit union is. Horizons Credit Union has around 380 members per staff, an average ratio compared to other credit unions. This is a somewhat well staffed credit union.

Assets Share
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$109,921,333
Total assets
Above average
Net worth Share
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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.
11.8%
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 Share
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$9,934
Average loan and lease size
Loan & lease sizes are average sized. They are bigger than at 49% of credit unions.

Horizons Credit Union holds a total of $78,350,000 in loans and leases, which is about $9,934 per member on average.

Savings interest rate Share
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0.10%
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. Horizons Credit Union pays 0.10%.

Loan rates Share
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10.00%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
7.60%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
4.10%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates Share
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3.40%
New car loan rate
Compared to 4.0% nationally
5.10%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates Share
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5.20%
Mortgage rate (secured by junior lien)
Compared to 3.4% nationally
3.84%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally

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