In Review: Horizon Federal Credit Union
Updated: Dec 6, 2020
“Selected an Excellent Choice Credit Union, Horizon Federal CU located in Williamsport and Lock Haven PA is an incredible two branch credit union with many great service offerings available."
By: Allan R Kirby

We review Credit Unions:
Mysmallbank.com feels compelled to find the best credit unions and community banks in order to write a small review. These reviews are to help you learn more about community banks, possibly one that's in your area that you might be interested in. In this review we are choosing the following local Credit Union:
Name: Horizon Federal Credit Union
Location: Williamsport
Headquartered: 2849 Reach Road, Williamsport, PA 17701
Branches: 2
Year Established: 1955

Review:
We found Horizon Federal Credit Union a great two-branch credit union located in Williamsport and Lock Haven Pennsylvania. Although HFCU is considered small in size, they nevertheless have a long history of providing high-quality financial services to members in 11 counties in central Pennsylvania. We made the decision to review this credit union after taking the time to look at reviews, services offered as well as their commitment to their membership and the communities they serve. We think potential members will not be disappointed by making the decisions to the bank at Horizon Federal CU.
Horizon Federal Credit Union currently has close to $83 million in assets, two branches, and nearly 11,000 members. ibanknet. Additionally, they have a history of providing services to their members since the Credit Union's founding in 1955.
When we checked this credit union we did find it difficult to find reviews, but this is not a concern, the few reviews we did find were overall very positive. Secondly, we did not find any reviews from employees as well, which is not a surprise given how small the credit union is. However, looking at products and services we found a lot to like and the following provides details on some of the products and services we liked.
Helping out the Younger Generations.
We were pleased to see Horizon is providing banking services to younger members, which is a great idea to help younger generations develop good financial habits early. Their services offered include the following:
Money Bags
Designed for young members, ages 0-12. Each account holder will receive 1 free gift for a $5.00 monthly deposit into their account.
Great savings account for kids ages 0 through 12
Competitive dividend payouts on all balances $30 and up
Receive 1 free gift for a monthly $5.00 deposit
Money Rules
This club teaches financial responsibility to our members 13 through 17. The savings account will help young adults learn the importance of savings and money management.
They can even open a Holiday Club account to save for holiday shopping. Details of the service include:
A financial club for members 13 through 17
Competitive dividend payouts on all balances $30 and up
Can apply for a Checking account at age 16 (with a parent or legal guardian who will be legally responsible for the account)
Free online banking
Free mobile banking
Scholarship
Horizon is Socially Responsible by giving back to the community by having available a Scholarship award. To eligible members who are in their senior year of high school and accepted as a full-time college student.
Insurance
Horizon Federal Credit Union has partnered with TruStage: Insurance that provides a variety of insurance products to members such as:
Accidental Death and Dismemberment (AD&D)
Life Insurance Policies
Health Insurance Policies
Auto Insurance Policies
Home Insurance Policies
Identity Theft Protection
Horizon Federal Credit Union provides a service (Horizon Shield, powered by EZShield®) that helps protect members' identity, monitor your accounts, view your credit score, and more for a small fee.
Preferred Auto Dealers
This is something that we also like to see, the ability for members to get quick and affordable financing for their vehicles. Members just need to visit any of Horizon Federal CU preferred dealers below and apply for an auto loan on the spot. Members get an immediate decision and can drive away in a new vehicle that day. This is a great idea to work with other businesses in the community while also helping members.
See the complete list of preferred dealers that Horizon Federal Credit Union works with at the bottom of this article.
Credit Cards
We reviewed Horizons credit cards and particularly like the Mastercard cash back credit card which provides rewards of 3% on Air Travel, Dining, Fitness Clubs, Mobile Phone Service, Cable/Satellite/ Streaming TV & Music, Taxi/Ridesharing and 1% on everything else. The interest rate is even low.
Financial Success Center
This was of particular interest to us, a section of Horizon FCU's website dedicated to up-to-date financial information. This is done through their Financial Success Center, which provides articles, videos, infographics to help members on a number of issues such as, Money Management, Starting Out, Getting Married, Starting A Family, Buying a Home, College Planning & Life.
Excellent Choice Credit Union
With all the services provided, it's not hard to see why this is such a great Credit Union. This is why Mysmallbank.com believes Horizon Federal Credit Union is well deserved to receive the designation of Excellent choice, Credit Union. (Note 2) . So if you're looking for a great community-based credit union and you live or plan to live in the areas Horizon Federal CU operates this could be a great financial institution for you.
Finally, we found that Horizon Federal Credit Union is a federally insured credit union through NCUA (Note 1).
Who is Eligible
As per their website: If you live, work, worship, or attend school in the eleven counties of Bradford, Centre, Clinton, Columbia, Lycoming, Montour, Northumberland, Potter, Sullivan, Tioga, or Union, you are eligible to join.
Apply Now to become a member.
The following provides additional information on Horizon Federal CU services, branches as well as fees.
Services Offered:
Full-Service Credit Union: Yes
Part of the CO-OP Shared Branch network: No
Horizons Federal Credit Union Routing Number: 231387026
Banking:
Checking Accounts
Savings Accounts
Certificates
Individual Retirement Accounts (IRAs)
Credit Union Loans:
Mortgage Loans
Home Equity Line of Credit
Home Equity Loan
Auto Loans
Preferred Auto Dealer*
Recreational Vehicle & Equipment Loans
Share Secured Loans
Personal Loans
Student Loans
Business Banking
Business Checking Accounts
Business Savings Accounts
Business Certificates
Business Account Services
Business Lending
Business Service
Credit Card: Master Card
Cash Back Card (Recommended)
Low Rate Card
Secured Card
Student Card
Horizon Federal CU Online
Online and Mobile Banking: Yes
Horizon Federal CU Branch Location:
Williamsport Branch
1007 East Third Street Williamsport, PA 17701
Phone: (570) 326-3636
Hours:
Monday: 9:00 am - 4:30 pm
Tuesday: 9:00 am - 4:30 pm
Wednesday: 9:00 am - 4:30 pm
Thursday: 9:00 am - 4:30 pm
Friday: 9:00 am - 5:30 pm Saturday: 9:00 am - 12:00 pm
Drive Up Hours:
Friday: 8:00 am - 5:30 pm
Lock Haven Branch
217 West Bald Eagle Street Lock Haven, PA 17745
Phone: (570) 326-3636
Hours:
Monday: 9:00 am - 4:30 pm
Tuesday: 9:00 am - 4:30 pm
Wednesday: 9:00 am - 4:30 pm
Thursday: 9:00 am - 4:30 pm
Friday: 9:00 am - 5:30 pm Saturday: 9:00 am - 12:00 pm
Drive Up Hours:
Friday: 8:00 am - 5:30 pm
(Check location for hours of service).
Fee Schedule: