LOCATIONS & HOURSMain Office: 120 Main Street Binghamton, NY 13905 Mon.-Wed, & Fri. 9:00 am - 5:00 pm Thurs. until 6:00 pm Sat. 9:00 am - 12:00 pmDrive-up: 8:30 am - 5:00 pm Mon.-Wed, & Fri. Thurs. until 6:00 pm Lobby ATM: 24 Hours

Endwell Branch: 519 Hooper Rd. Endwell, NY 13760 Mon. - Wed. 9:00 am - 4:00 pm Thurs. - Fri. 9:00 am - 5:30 pmDrive-up: 8:30 am - 5:00 pm Mon. - Wed. 8:30 am - 5:30 pm Thurs. - Fri.Drive-up ATM: 24 Hours

Vestal Branch: Campus Plaza 3701 Vestal Parkway EastVestal, NY 13850 Mon. - Wed. 9:00 am - 4:00 pm Thurs. - Fri. 9:00 am - 5:30 pmDrive-up: 8:30 am - 5:00 pm Mon. - Wed. 8:30 am - 5:30 pm Thurs. - Fri.Lobby ATM: 24 Hours

Telephone Teller: (607) 771-6845

Board of DirectorsRichard Felo ChairmanPete Chermak Vice ChairmanJames Halaburka TreasurerDonald Prutisto SecretaryKathleen O’Brien DirectorCornelius Lorden DirectorLouis Panigrosso DirectorMichael Kane Supervisory CommitteeDavid Tanenhaus

ON THE HORIZON is published quarterly for members of Horizons Federal Credit Union. CONTACTEditor: Marylouise Doyle, Marketing Coordinatormarylouised@horizonsfcu.com

PO Box 1881, Binghamton, NY 13902-1881Phone: (607) 724-5876 Fax: (607) 724-0613HFCU email: info@horizonsfcu.comWeb: www.HorizonsFCU.com

Read our newsletter online at www.HorizonsFCU.com

Outstanding Member Service Since 1937 SUMMER 2015 Vol. XI • No. 3

6 ON THE HORIZON Summer 2015

Two member numbers are printed in bold in this newsletter. If either number is yours,

stop in to any Horizons location• Binghamton • Endwell • Vestal

along with a form of Horizons member ID and we’ll deposit $10 into your savings

or checking account!

Win$10!

5 ON THE HORIZON Summer 2015 1 ON THE HORIZON Summer 2015

SAVINGS ACCOUNT RATES • Offered as of January 1, 2015Account APY‡ Dividend Rate

Savings .10% .10%

Christmas & Vacation Clubs .10% .10%

Money Market Accounts (Minimum Balance $2,500)

.30% .30%

IRA Savings Account (IRA Savings Certificates also available)

.25% .25%

Savings account rates are variable and may change every dividend period, as determined by the credit union board of directors. For current savings or savings certificate rates, minimum balances, term and fees, call (607) 724-5876. ‡ = Annual Percentage Yield

LOAN RATES* (Effective April 1, 2015)*Rates based on credit worthiness and subject to change without notice.

ASK US ABOUT MATCHING YOUR CURRENT CREDIT UNION OR BANK’S LOAN RATES!

Loan Type Approx. Term Non-Variable APR†

Comments

Signature/Personal up to 60 mos 5.90% $10,000 max total(loans+VISA+LOC)

Home Advantage Loan up to 84 mos85 to 120 mos

6.90%7.90%

$15000 max total; member paysall fees; 100% available equity

New Auto(108% financing)

Approx. 24 mos.Approx. 66 mosApprox. 72 mos

1.29% 1.89%2.59%

Model year 2012 to new

Used Auto(NADA plus tax)

Approx. 48 mosApprox. 66 mos

1.89%1.89%

Model yr 2008-2011Model yr 2008-2011

Approx. 36 mosup to 60 mos

4.95%5.50%

Model yr 2006-2007Model yr 2006-2007

Home Advantage/Auto

up to 66 mos67 to 72 mos

5.94%6.94%

Passenger vehicles onlyNew and up to 2 years old

up to 60 mosup to 84 mosup to 120 mos

7.99%8.99%9.99%

Recreational vehiclesNew and up to 2 years old

New RV(108% financing)

up to 60 mos61 to 84 mos85 to 120 mos

3.49%4.49%5.49%

Campers, ATV’s, motorcyclesCycles under $10,000- 48 monthsCycles over $10,000- 72 months

Used RV(NADA plus tax)

up to 60 mos61 to 84 mos

3.90%4.90%

Campers, ATV’s, motorcyclesCycles under $10,000- 48 monthsCycles over $10,000- 60 months

Line of Credit Overdraft Protection

Open end 14.50% $5,000 max if joint checking, both sign LOC app.

Savings Secured up to 120 mos n/a Current rate plus 4.00%

Certificate Secured up to 120 mos n/a Current rate plus 4.00%

VISA Classic Credit Card Revolving 12.90% $10,000 maximum

Loan Type Approx. Term Variable Rate Non-Variable Rate Comments

VISA Platinum Credit Card

Revolving 7.25% - 17.25%

n/a Variable rate based on credit worthiness

First Mortgage** Up to 30 yrs n/a yes Call for rates

Home Equity LOC***

Home Equity LOC****

15 yrs

15 yrs

Prime 80% LTVPrime +.50%90% LTV

1.99%

1.99%

Fixed rate for 1st 6 mos, variable rate thereafter. App. fee of $199 refunded at closing

Home Equity LOC(Interest only)

15 yrs Prime + 0%

1.99% Fixed rate for 1st 6 mos, variable rate thereafter of Prime +0%. App. fee of $199 refunded at closing. Interest-only payments 1st 10 years, repayment last 5 years.

Fixed Rate, Closed-End Home Equity

Up to 60 mos61-120 mos121-180 mos

n/an/an/a

3.50%4.25%4.75%

Some closing costs apply; up to 80% LTV.

Second/Vacation Home**

30 yrs n/a yes Call for rates

** Home Owner loan products may offer tax advantages. Please consult a tax advisor. *** Up to 80% of your home’s equity. **** Up to 90% of your home’s equity. † APR = Annual Percentage Rate

Federally Insured by NCUA

Summer and Fall Closings All HFCU locations will be closed :

Saturday, July 4 - Independence DayClose at 3PM Wednesday, July 8 - Staff Appreciation Day

Monday, September 7 - Labor DayMonday, October 12 - Columbus Day Observed

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ACCEPTABLE ITEMS: Old Files, Typing Paper, Fax Paper, White/Colored Bond, Computer Print-Outs, Account Ledger Sheets,Carbonless Form, Message Pad Paper, Colored Writing Paper, Manila File Folders, Unbound Reports, Copier Paper,Letterhead, Post-It Notes, Memos, Brochures, Calculator Tape, Plain Envelopes, Pamphlets, Ruled Tablet Sheets,Index Cards, Blueprints, Tab CardsUNACCEPTABLE ITEMS: Food Waste, Metal, Plastic, Tyvec (FedEx, ADP) Envelopes, Food Containers, Wood, Type/printer Ribbons, Padded Mailing Envelopes, Kleenex, Glass, Toner Cartridges, Fluorescent Colored Paper, Paper Towels, Wire, Copier Paper Wrappers, Carbons from Duplicate Forms, Napkins, String, Bubble-pack, Polystyrene Packing Peanuts, Newspaper, Corrugated Cardboard

Thursday • September 17, 2015 • 3 - 6 pm120 Main Street, Horizons Main Office

Horizons FCU is holding a shredding event on Thursday September 17th at our Main Office. Acceptable items can be dropped off in the parking lot beside our building. With Confidata’s

state-of-the-art mobile security shredding truck, all of your confidential documentscan be securely destroyed on site.

SHREDDING EVENT

*APR = Annual Percentage Rate. Rates based on credit worthiness and relationship discounts with Horizons FCU. (Example loan of $20,000 at 2.19% APR for 60 months = payment of approx. $352.22 per month) ** Prime

currently 3.25%. Borrow up to 80% of your home’s equity. 15 years financing. No closing costs. Receive free checks to access your line of credit. $199 application fee refunded at time of closing, if approved. Personal loans $10,000

max total (loans, VISA and line-of-credit) Some restrictions apply. More rates and terms available. See a loan officer for complete details. Federally insured by NCUA. Equal Housing Lender. Rates effective July 1 - August 31, 2015.

HOMEEQUITYHOME

EQUITYfixed rate

1.99%APR*

for first 6 monthsAfter 6 months,

variable rate of Prime**

PersonalLoans

PersonalLoans

as low as

5.90%APR*

up to 60 months

Time for a little Summer Fund?

Time for a little Summer Fund?

NEW AUTONEW AUTOas low as

1.89%APR*

for 66 months(model year 2012 or newer)

Learn how your home equitycan help with

the challenges of a meaningful

retirement!If you are over 62 and have at least 50% home equity

discover how to:

• Eliminate mortgage payments, or pay off high interest credit cards, or other loans.

• Supplement savings, pay for healthcare, or assist with home upkeep.

• Set up a monthly addition to pension and/or Social Security.

• Set up a credit line for any life emergency.

REVERSE MORTGAGEINFO SEMINAR:

Tuesday, Sept. 22, 2015Horizons FCU 120 Main

Street Binghamton

1:00PM - 2:30PMHFCU Board Room

Space is limited, call toreserve a spot today!

607-724-5876

3 ON THE HORIZON Summer 20152 ON THE HORIZON Summer 2015 4 ON THE HORIZON Summer 2015

Horizons in the communityHorizons@Home Security was updated on May 12, 2015In order to maintain a secure operating environment for

Horizons@Home our Data Processor has upgraded the Multi-Factor Authentication (MFA) configuration.

This update affects all Horizons@Home users. During their first log-in after the update on May 12, 2015 all members having Horizons@Home will be required to re-enroll in the Multi-Factor Authentication (MFA). During the re-enrollment you will be REQUIRED to: 1. Clear all session cookies from your device. Not doing this could cause older site cookies to be used and generate some misleading displays or errors. 2. Select a new image and passphrase. This can be the same information that was previously entered if available. 3. Select 3 new questions from the drop downs provided. You may see previously selected questions and they can be reused, with the same security answer if the question is available. How will this affect Mobiliti?There will be no change to the Mobiliti app. However you MUST complete the MFA enrollment via Horizons@Home PRIOR to logging into Mobiliti or you will not be permitted to access the app. Once you have completed the new MFA and re-authenticate with Mobiliti your experience will be unchanged. If you have any questions please contact us at 607-724-5876. Thank you.

Childhood Education program. Paige achieved Presidential and Dean’s list while gaining her degree and works at Endless Mountain Learning Center. Paige helped a great deal setting up the new Art Gallery Children’s Art Exhibit. She loves working with younger children, helping them learn and grow. The schol-arship was presented to Ms. Spickerman during SUNY Broome’s Annual Student Awards Recognition Event on May 7th.

Financial Literacy Taughtto Windsor Middle Schoolers Once again Horizons Federal Credit Union was proud to participate in Windsor Middle School’s Up With Life Day on May 15th. Anton Arnoldine and Miranda Simmons discussed financial planning with students during three 30-minute sessions. Financial topics covered included needs versus wants, budgeting, savings and debit versus credit. Providing a solid foundation for financial success at a young age was the goal of the presentation. There was a lot of good questions and participation in each of the sessions!

Annual Stand for Children 2015 Event

Horizons volunteered again at the Annu-al Stand for Children 2015 Event “Calling all Superheroes!” at Rec Park in Bing-hamton on June 4th. This wonderful event focuses on helping young peo-ple recognize their inner strengths and making them see how these strengths have power. The event is free and includes youth activities, opportunities to create, enjoy music, food, performances and more!Horizons set-up a “money bag” bean bag toss game where kids won prizes. HFCU also gave away “slap bracelets” with super powers written on them. HFCU enjoyed encouraging the super kids that attended the event this year! Seton Catholic Central senior Maggie Novitske receives a $250 scholarship from HorizonsThe scholarship and a certificate of achievement were presented to Maggie at a small reception in her honor held at Horizons’ main office in June. Maggie was selected from several applicants who participated in the Credit Union Association of New York’s 2015 Scholarship Program.

Horizons DrivingSense™ A Low Payment Alternative to Leasing!

How would you like the low monthly payments of a lease without the heavy restrictions and hidden costs of leasing? Sound impossible? It’s not. Horizons DrivingSense™ Vehicle Financing program offers just that!

Like a lease, Horizons DrivingSense™ provides monthly payments which

are considerably lower thanconventional financing.

But unlike a lease,you own the vehicle!

Ask us about the other benefitsof the Horizons DrivingSense™ program.

Park Tickets available at Horizons!

$27.00 $30.00

$42.00 Adult

$34.00 Jr./Sr.

Jr. = Age 3 & up under 48” tall Sr. = Age 62 & up

$49.00 Adult

$37.00 Jr./Sr.

Jr. = Age 3-8 / Sr. = Age 55-69

$25.00 Sr.+ = Age 70 and above

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Horizons Raises $ for Heart WalkHorizons Federal Credit Union staff partici-pated in the 2015 Binghamton Heart Walk, donating $6,200 to the American Heart Association in the process. Funds were raised with help from our generous HFCU members, through fundraising drives and family and friends charitable donations. The Heart Walk, held Sunday April 12th at SUNY Broome’s Ice Center on Upper Front Street featured a two lap walk around the campus, totaling three miles. More than 2,500 people participated in the Southern Tier Heart Walk, raising a total of $221,080. The American Heart Association is build-ing healthier lives, free of cardiovascular disease and stroke, through public health education. Horizons FCU was a proud sup-porter of their mission and look forward to participating in 2016.

Horizons Awards Scholarshipto SUNY Broome Student

Horizons Federal Credit Union awarded a $500 scholarship to Paige Spickerman, a student in the SUNY Broome Early

Maggie is a member of the National Honor Society, Key Club, Softball team, and is the captain of the Cheerleading squad. She is a Binghamton Zoo vol-unteer, a member of the Youth Group and the Dance Ministry. Maggie boasts an award-winning resume, including receiving the S.A.I.N.T. Award in AP Environmental and Economics.It is our pleasure to award this year’s Horizons Federal Credit Union scholarship to Maggie Novitske, a young woman who has shown compassion for the community and dedication to her academic career!

Horizons at the Spiedie Fest & Balloon Rally

Horizons Federal Credit Union is proud to once again support the Spiedie Fest & Balloon Rally. This year’s event will take place July 31st-August 2nd at Otsiningo Park in Binghamton. Horizons will be sponsoring the festivities and have a tent at Spiedie Fest, with free balloons, crafts, and activities for children! Tickets are on sale at our Binghamton, Endwell and Vestal locations.

Catch the CHOWbusat Horizons!

120 Main Street, BinghamtonWednesdays

1:30PM to 3:30PM Open to the Public

CHOW accepts Cash/Credit/Debit/EBT

>N

Our Binghamton ATM willbe temporarily out of service

on Wednesday, July 22nd.We appreciate your patience, we will be

upgrading our ATM to accept envelope deposits.ATMs will be available at Horizons FCU Endwell

and Vestal locations or visit:

https://co-opcreditunions.org/locatorto find a surcharge free ATM.

PLEASE NOTE: After upgrades are completethe ATMs in Binghamton and Vestal will be

able to accept envelope deposits.The Endwell ATM currently accepts deposits.

Any ATM deposits will not take effect until 4pm that day. ATM deposits from the

weekend are checked Monday morning.

this year the fun is on one day onlyAugust 28th

SAVE THE DATE!Our 14th Annual Family Fun Friday event will be held on Friday August 28th from noon until

3pm at our main office in Binghamton.The event is dedicated to providing free fun

and educational events for the community and as always free school supplies. Come enjoy the

games, activities, and surprises on one fun-filled Friday, August 28th!

Watch for the schedule of events, visit our lobbies, website or facebook page at horizonsfcu.com,

for more information.

FAMILY FUN

FRIDAY!