Product Product Recommendation Recommendation

GuideGuideLet us suggest savings products to fit Let us suggest savings products to fit

your needs! Simply select which your needs! Simply select which answer(s) apply to you and then press answer(s) apply to you and then press either the forward arrow to continue or either the forward arrow to continue or

the back arrow to go back to the the back arrow to go back to the previous questionprevious question

*Please note, all accounts and services require a share account*

Which best describes your savings Which best describes your savings needs?needs?

I would like to start saving but I can I would like to start saving but I can not have my money tied up…not have my money tied up…

I am trying to save for retirement I am trying to save for retirement and would like to start putting money and would like to start putting money awayaway

I would like to start saving money to I would like to start saving money to make a special purchase or to save make a special purchase or to save up for a special occasionup for a special occasion

Savings Money Savings Money MarketMarket Must have a savings to become a Must have a savings to become a

member, this is your share in the credit member, this is your share in the credit unionunion

After your initial $25 deposit you are After your initial $25 deposit you are able to open other accounts or begin able to open other accounts or begin to use your share savingsto use your share savings

You can begin to earn interest on any You can begin to earn interest on any money you are able to save upmoney you are able to save up

Savings accounts are eligible to have Savings accounts are eligible to have ATM cards linked to them, easy ATM cards linked to them, easy access to your money on the goaccess to your money on the go

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Tiered savings accounts with Tiered savings accounts with higher interest rateshigher interest rates

You are able to withdraw from You are able to withdraw from money markets, but you want to money markets, but you want to stay within your tier to get the stay within your tier to get the best possible interest ratebest possible interest rate

As with all of our accounts, you As with all of our accounts, you have access to your balance 24/7 have access to your balance 24/7 via online banking or phone via online banking or phone bankingbanking

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Club AccountsClub Accounts

Club accounts earn interest too!Club accounts earn interest too! Do not require a minimum balanceDo not require a minimum balance Allow you to put money aside that can be easily Allow you to put money aside that can be easily

accessed in the future, since your money is not tied accessed in the future, since your money is not tied upup

We even offer Christmas club accounts, to allow We even offer Christmas club accounts, to allow you to save up for the holidaysyou to save up for the holidays

If you have a Christmas club, your money can be If you have a Christmas club, your money can be transferred into your checking account or sent to transferred into your checking account or sent to you in the form of a check cut out to you during the you in the form of a check cut out to you during the first week of Octoberfirst week of October

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Which Applies to You?Which Applies to You?

I like to have access to my money I like to have access to my money anywhereanywhere

I would like to know what my balances I would like to know what my balances are, even after credit union hoursare, even after credit union hours

I would like less hassle when paying I would like less hassle when paying my billsmy bills

I am sick of getting paper bills in the I am sick of getting paper bills in the mail all the timemail all the time

IRA’s allow you to invest money, earn interest, and save on taxes for money for retirement. It provides advantages over a traditional share or share certificate

HCCU offers three different types: Roth, Traditional, and Coverdell (for education)

If you would like more information on the IRA’s we offer, please call or stop in!

HCCU also offers traditional share certificates that are not IRA’s if you would prefer!

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E-statementsE-statements

• No more pesky statements showing up in the No more pesky statements showing up in the mail!mail!

• No worries about having to shred your info to No worries about having to shred your info to protect your identityprotect your identity

• You will be notified by email when your You will be notified by email when your statement is ready to be viewedstatement is ready to be viewed

• View up to 18 months worth of previous View up to 18 months worth of previous statementsstatements

• Clink next arrow to go forward or back arrow to go backClink next arrow to go forward or back arrow to go back

ATM and Debit cards allow you to withdraw money from any ATM machine (many fee free ATMS can be found on our website!)

Debit cards can be used as credit cards for purchases or run as debit to receive cash back after your transaction (must have checking account)

Our Visa Debit cards are a safe way to shop, much safer than carrying cash around!

ATM cards give you access to your money after credit union hours

Visa Debit cards are widely accepted and have the same security as a Visa Credit Card!

Apply for an ATM/Debit card today!

Online Banking & Phone Banking

Green and secure alternative to have access to your balances 24/7

Online banking allows you to set up alerts to let you know when transfers have completed, payments are made, or your balances in certain accounts are low. It’s totally customizable!

Online banking allows you to transfer money between accounts and set up recurring transfers!

Allows you to reorder checks online and monitor your accounts

Online Bill PayOnline Bill Pay

• Another totally FREE service!Another totally FREE service!

• Add payees and set up payments and they Add payees and set up payments and they are sent out in the mail for you! No more are sent out in the mail for you! No more buying stamps and you are notified on your buying stamps and you are notified on your next log in when payments have been next log in when payments have been processedprocessed

• Very secure service, you can even schedule Very secure service, you can even schedule future payments, so no more worry! future payments, so no more worry!

• Apply online or in person at HCCUApply online or in person at HCCU

Do you…Do you…

Have kids?Have kids?Need somewhere secure to Need somewhere secure to

store items/documents?store items/documents?Need a checking account?Need a checking account?

Kids Club

Ages 12 & under

Free piggy bank for opening account

Kids get to pick a prize from the treasure chest for each deposit of $5

Stories, puzzles, & games for all ages www.horizonccu.com KIDS CLUB

Safe Deposit BoxesSafe Deposit Boxes

►Rent paid annuallyRent paid annually►3”x5”x18” $153”x5”x18” $15►3”x10”x18” $303”x10”x18” $30►5”x10”x18” $405”x10”x18” $40►10”x10”x18” $6010”x10”x18” $60►Keep your items safe!!! Keep your items safe!!!

Checking Accounts

Direct Deposit, No Minimum Balance, 1st Box of Advantage Checks Free, 1st ATM or Debit Card Free

Standard $100 Minimum Balance

Earn Interest On All Checking Accounts!

Advantage 50+ , No Minimum Balance, Free Advantage Checks, 1st ATM or Debit Card Free

Student (Full time student) No Minimum Balance, Free Advantage Checks, 1st Card Free

Need …?

A Vehicle or RV? A Home? Emergency Cash or Overdraft

Protection? Cash For Any Other Reason And

Don’t Want A Line Of Credit? Visa Credit Card?

HCCU Offers Loans For…HCCU Offers Loans For…

New & Used CarsNew & Used Cars New & Used RVsNew & Used RVs New & Used BoatsNew & Used Boats New & Used MotorcyclesNew & Used Motorcycles Go to www.horizonccu.com or call us at 920-Go to www.horizonccu.com or call us at 920-

433-0122 for details or to apply!433-0122 for details or to apply!

Real Estate LoansReal Estate Loans

3 & 5 Year ARMs3 & 5 Year ARMs Construction LoansConstruction Loans Land LoansLand Loans Home Equity Loans & Lines Of CreditHome Equity Loans & Lines Of Credit Home Equity Credit Card Home Equity Credit Card Call 920-433-0122 or visit Call 920-433-0122 or visit

www.horizonccu.comwww.horizonccu.com to apply to apply

Visa Credit CardsVisa Credit Cards

• Three Different Kinds: Classic, Platinum, and Three Different Kinds: Classic, Platinum, and Home Equity Line of CreditHome Equity Line of Credit

• Earn Scorecard Reward Points With Platinum & Earn Scorecard Reward Points With Platinum & HELOC Cards!HELOC Cards!

• VISA Is Accepted Nearly Everywhere Worldwide VISA Is Accepted Nearly Everywhere Worldwide and Is Very Secure!and Is Very Secure!

• HCCU’s VISA Card Offers No Annual Fee, Zero HCCU’s VISA Card Offers No Annual Fee, Zero Liability, Low Rates, Online Access, & Credit Liability, Low Rates, Online Access, & Credit Limits Based On Credit WorthinessLimits Based On Credit Worthiness

• Apply Online At Apply Online At www.horizonccu.comwww.horizonccu.com Or Call Or Call 920-433-0122920-433-0122

Kwik Cash-Overdraft Protection• Protects Your Checking Account

From Overdraft Fees• Is A Line Of Credit To Take

Advances On In Case Of Emergencies Or For Times You Are Low On Cash

• Visit www.horizonccu.com Or Call 920-433-0122 To Apply!

Signature LoansSignature Loans

• Term loans, not a line of credit

• Can be used to make purchases, take a vacation, make minor home/car repairs, or used for a special occasion and much more!

• Visit www.horizonccu.com or call 920-433-0122 to apply or for more information!

Become A Member At Horizon CCU!Become A Member At Horizon CCU!

Our friendly member services reps are happy Our friendly member services reps are happy to assist you in meeting your savings goalsto assist you in meeting your savings goals

Go online to www.horizonccu.com for more Go online to www.horizonccu.com for more information on products or to apply for information on products or to apply for membership/loans, you can also call us at 920-membership/loans, you can also call us at 920-433-0122433-0122