Outstanding Member Service Since 1937 FALL 2015 Vol. XI • No. 4

6 ON THE HORIZON Fall 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 Fall 2015 1 ON THE HORIZON Fall 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 October 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. 60/66/72 mosApprox. 84 mos

1.29% 1.89%2.75%

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 72 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

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

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Fall & Winter Closings All Horizons locations will be closed:

Monday, October 12Columbus Day ObservedWednesday, November 11

Veterans DayThursday, November 26

Thanksgiving DayThursday, December 24

Christmas Eve - Close at 1:00pmFriday, December 25

Christmas Day

Saturday, December 26Day after Christmas

Thursday, December 31New Year’s Eve - Close at 3:00pm

Friday, January 1, 2016New Year’s Day

ATTENTION MEMBERSDebit Card Changes Coming: ACTION REQUIRED

Horizons FCU is switching its’ debit cardsto MasterCard beginning in October.

In an ongoing quest to provide our members with more convenienceand security, Horizons FCU is switching its’ debit card platform

from VISA to MasterCard. The new Horizons MasterCard debit cardswill feature chip technology, which is more secure and makes it

more difficult for the card to be counterfeited.

Once you activate your new Horizons FCU MasterCard debit card,you will be able to use it at all the merchants you visit now,

for online and telephone payments, and at ATMs.

What does this debit card change mean for you?

You will receive your new Horizons FCU MasterCard debit card in October and we ask that you activate the card immediately.

Once the switch takes place from VISA to MasterCard, your old Horizons FCU VISA debit card will become inactive. Activation instructions will be included with your new card.

Update any automatic payments you have set up through your previous VISA debit card to reflect the new MasterCard debit card.

For members with joint debit cards, you will be issued two separate cards with individual numbers during this process. Both cards will still be ableto withdraw from one account.

If you have any questions, feel free to contact us at 607-724-5876. Check back for dates and ratesfor this great sale!

Up to 66 Months as low as 1.79%APR*

Back By Popular Demand!Horizons & Serafini Nissan Volvo

will Team Up again to deliver a

Special Auto Sale!

Stay tunedfor a

Great Rate! In honor of this day, Horizons Federal Credit Union invites its members and the whole community to celebrate with us!The Southern Tier Credit Union Alliance will be at the Oakdale Mall from 4pm to 7pm with information, games and prizes.

CELEBRATE WITH HORIZONS!

International CreditUnion Day on

Thursday, October 15th

Stop into Horizons fora Children’s

SPECIAL CD Rate!Stop into any HorizonsMonday October 26th

through Friday the 30thto get a special rate on a

Children’s CD. Bring your child and receive

one goodie filled treat bag for each child that visits!

The special 1 year rate of 3.04% Annual Percentage Yield (3.00% dividend rate) will be offered for

children age 16 and under.Children’s CD’s require a minimum of $100 with

a maximum of $500. Other restrictions may apply. Special Children’s rate, transfer forms and treat

bags will be available at each Horizons FCU location. The transfer forms will allow you to

authorize the credit union to transfer the money from a savings account to open the Children’s one

year certificate on October 31th, 2015. Call Horizons for more information

607-724-5876.

3 ON THE HORIZON Fall 20152 ON THE HORIZON Fall 2015 4 ON THE HORIZON Fall 2015

Horizons in the communityFamily Fun Friday!

SUCCESS! Horizons FCU hosted the 14th annual Family Fun Friday event from 12-3pm on Friday August 28th at the main office in Binghamton. Children were treated to three hours of food, fun, music, enter-tainment, activities, free school supplies and more.

The event was a huge success this year, thanks in no small part to the gen-erous help of our community partners. Food for the event series was donated by the Binghamton Mets, Huff Ice Cream and delicious samples of gelato were given out by Chuckster’s Inside Scoop Ice Cream. Lori from MIX 103 provided live music, games and crafts for the kids. B-Mets players and Baxter the Bearcat from BU delighted the crowd.

Also featured were free festivities including a B-Mets batting game, Face painter Randy Wood of Randanimals was also on hand - a big hit with the children! We also had an assortment of critters to meet and learn about via the Ross Park ZooMobile.

In attendance were Mayor Rich David, Jared M. Kraham - Executive Assistant to the Mayor, Christopher Whalen - Communications director for New York State Assemblywoman Donna Lupardo, Greg Kilmer - Commissioner of Transportation, and Karen Cote - Senior Account Executive of iHeartMedia Bing-hamton along with television media.

A highlight of 14th Family Fun Friday is Horizons annual school supply give-away. Nearly three hundred bags of supplies were given out to area children.

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Bags contained pencils, pens, crayons, glue sticks, folders and notebooks to prepare the kids for the upcoming school year. Bags were provided by Barnes and Noble and Notebooks and folders were donated by ACCO Brands. Children also entered to win backpacks, which were given out throughout the three hour event.

Horizons FCU would like to thank all that helped make Family Fun Friday a success; Mead®-ACCO Brands, Bing-hamton Mets, Barnes & Noble, Vestal, United Health Care, Huff, Chuckster’s Family Fun Park, Binghamton Univer-sity, and Binghamton Zoo at Ross Park and we look forward next years Family Fun Friday event!

United Way-Day of Caring Horizons FCU volunteered again this year on The Day of Caring. The event, a remembrance to those who lost their lives during the terrorist attack on September 11, 2001 also honors the many heroes that evolved from the aftermath of that day. Horizons was glad to be a part of the approximately 1,000 volunteers that came together to lend a helping hand to local non-profits, child care centers, parks and government agencies.

HO HO Loans from Horizons!

Holiday loan sale runs from October 1 - December 31, 2015. 2.49% rate is based on credit worthiness and relationship discounts with Horizons FCU. New money loans only. Borrow up to $10,000 for up to 12 months. Minimum 30 days

“Free” interest with no payments until 2016. See a Member Service Specialist for more information.*APR = Annual Percentage Rate. Federally Insured by NCUA.

Rates aslow as

2.49%APR*

for 12 monthsNo payments until 2016

Need another reason to love the Holidays?

Horizons DrivingSense™

The vehicle financing program that’s right for you!

The low monthly DrivingSense™ paymentsgive you more car for your money, and

you have the valuable equity that comeswith owning your vehicle!

Under the DrivingSense™ programall new and pre-owned cars, vans and light trucks

up to five years old qualify.

DrivingSense™ is the vehicle financing option you’ve been waiting for!

In the market for a new car?8904

Horizons Federal Credit Union reminds members to please keep their accounts active. State law requires financial institutions to turn inactive accounts, unclaimed insurance, and stock dividends and other inactive holdings over to State Comptrollers. If there has been no activity (other than dividend posting) for three years, the money is considered to be unclaimed or abandoned. Despite efforts to contact them, the following members have unclaimed funds with Horizons and their accounts will be turned over to State Comptrollers as a result. The state will act as custodian for these funds until they are claimed by their rightful owners. We have been unsuccessful in contacting the following members:

If you know how to reach any of the above members, please contact Horizons Federal Credit Union at (607) 724-5876. We would appreciate hearing from you before October 23, 2015. If you think you may have funds that have been turned over, please contact us for help in claiming these funds.

Have you seen these members?

SOPHIAH ABDALLAHETHAN ALBRIGHTTRINITY ALBRIGHTALLIE ANDREWSCHERYL ANDREWSDAWN BADGERMARILYN J BARBIERILINDA BAZEWICKLEA BENJAMINCHARLES BERMANTHERESA BERRYSANDRA BOROVSKISHAWN M BOROVSKICALVIN BOWLESMELODY BOWLESAMY BOZONJALYNN BOZONJEFF BOZONMACY BOZONTONI BRENNAN REP PAYEE FOR DAVID A SEWARDCHASITY A BRYSONLILIANA R CAREYNICOLINA M CAREYMARK E CAREYCHARLES W CHEESEMANMICHAEL B CISEKMICHAEL V CISEKPATRICIA CISEKDEBORAH DARPINOSAMANTHA DARPINOVICTORIA R DELROSSIJENNIFER M DEPERSISMEGAN DERRLORI T DONGUINESLUCIAROSE T DONGUINESMOLLIE ELDERWILLIAM R ELDER JRDANIEL A EMRICHDEBORAH A FAHEYMADISON L FAHEYDIANE S FLUEGELJARED R FLUEGELLAURIE FORTUNE-SQUIRESRYAN FORTUNE-SQUIRESSTEVEN FREIMANJOHN C FULTONCHRISTOPHER M L GILBERT

LISA M GRANTJONATHON W GREGORYROSEMARIE GREGORYANDREAS GUIDICIJACOB GUMEDIIYASA HALL CUSTODIAN FOR JAMAL HAMDENGENEVIEVE HARRISONCONNIE HEATHERMANPAUL HEATHERMANROBERT W HILLIS IIIJESSICA HOLCOMBKEVIN B HOPKINSPATRICIA A HOPKINSHENRY ROBERTS HURLINDANIEL A JOHNGRACE R JOHNISABELLA H JOHNKRISTINA L JOHNPATRICIA KEEFE-DERRISAAC KOVALYOVLUBOV KOVALYOVKEVIN KREINERKERI LABARCHARLES J LARRABEETHOMAS J LARRABEEJULIANNE LUDKA CUSTODIAN FOR ZACHARY MARSANNA V MACHLICASAMUEL R MANCUSODAMIAN M MARONEYNICHOLAS M MARTINALEXIS M MARTINEZTONYA MARTINEZCHRISTI MCCOYREAGAN FENWAY MCCOYTHOMAS MCCOYSKYLER P MCFADDENALONAH MCINTOSHSHAMIKA MCINTOSHKAYLA MCLAUGHLINSARAH MCLAUGHLINTONYA MCLAUGHLINKRISTIN MCNAMARAMATTHEW H MEADSHEILA J BRODSKY MEADANDREA MINORCORY MINORMARY GRACE MINOR

JAMES MIZEBRANDON MORRISCAMILLE LYNN MORRISSEYCASSIDY NOWIKANGELO WAAYMAN OCASIOHANNAH M O’LEARYBRYCE R OLIVERRICHARD OLIVERC ANTHONY PALMATIERSYDNEY S PERKINSAMY POWERSETHAN L POWERSNOAH REUSCHERSYDNEY E REUSCHERTHERESA REUSCHERSTEPHANIE REYNOLDSDAVID ROBERTSMAL ROMMELJOSEPH S RONGONANCY RONGOLINDA ROOTNATIKA T RUSHWILLIAM RUSTLEILAH SALAMJESSICA SCHLEIDERJUSTIN SHAFFERERIC STAMPFLERMADISON C STAMPFLERPATRICIA STAMPFLERKYLE E SANTILESLIE A SANTIRUBY V STANMYERMICHELLE STEBBINSDOMINIC SURACEKRISTY SURACEMATTHEW M SURACECONSTANCE TAFTBELLA TANNERJOSEPH A TESTANICELENE THOMPSONDAVID V VOORHEES JRJAMES WAAYMANCONSTANCE WARREN REP PAYEE FOR DAKOTA STERLINGDANAYA D WILLIAMSDAVID D WILLIAMS