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# Horizon Credit Union

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## Sitemaps

- [XML Sitemap](https://www.myhorizoncu.com/sitemap.xml): Contains all public & indexable URLs for this website.

## Posts

- [Q3 Newsletter from HCU](https://www.myhorizoncu.com/q3-newsletter-from-hcu/) - Q3 newsletter July26Download
- [70th Anniversary Branch Bash](https://www.myhorizoncu.com/70th-anniversary-branch-bash/) - This year, we proudly celebrate 70 years of serving members and the community! What began on April 6, 1956, with twelve visionary Davis School District employees and just $295 in deposits as the Davis School District Employees Credit Union, has grown into a strong, thriving financial cooperative serving our community with pride known as Horizon
- [Q2 Newsletter](https://www.myhorizoncu.com/q2-newsletter/) - 11x17-1.0Download
- [Debunking 7 Common Credit Card Myths](https://www.myhorizoncu.com/debunking-7-common-credit-card-myths/) - Credit cards are one of the most popular ways to pay for just about everything, thanks to their convenience and flexibility. But that convenience can come at a cost. Without a clear understanding of how credit cards work, it’s easy to fall into habits that lead to overspending, high-interest charges, and long-term debt. The key
- [Emergency Financial First Aid Kit (EFFAK)](https://www.myhorizoncu.com/emergency-financial-first-aid-kit-effak/) - If a disaster or other emergency strikes, you may only have seconds or minutes to react. In those critical moments, your focus will be on your family’s safety. Once the immediate danger has passed, having your homeowners, renters, or flood insurance policy, bank account information, and other records and contacts in one secure location will
- [January 2026 Newsletter](https://www.myhorizoncu.com/january-2026-newsletter/) - Stay in the know with HCU! Read our quarterly newsletter for a message from the CEO and any updates you should know about! Read the Newsletter Here Q1 newsletter JAN26Download
- [8 Financial Tips for Gen Z That Actually Work](https://www.myhorizoncu.com/8-financial-tips-for-gen-z-that-actually-work/) - 8 Financial Tips for Gen Z That Actually Work For many in Gen Z, money hasn’t felt simple or predictable. You’ve dealt with changing job markets, prices that keep climbing, and advice coming from every corner of the internet – especially social media. It can often feel like everyone else learned something, and somehow you
- [New or Used? Your Summer Car-Buying Guide](https://www.myhorizoncu.com/new-or-used-your-summer-car-buying-guide/) - New or Used? Your Summer Car-Buying Guide The warmer months are here, and car sales are heating up! Summer is one of the busiest times for car buying, thanks to fresh inventory from manufacturers, summer sales at dealerships, and more people looking to sell or trade in their current vehicles. Plus, the nice weather makes
- [Cybersecurity for Kids: A Parent's Guide](https://www.myhorizoncu.com/cybersecurity-for-kids-a-parents-guide/) - You may be doing everything right to protect yourself from online threats - creating strong passwords, avoiding suspicious links, and monitoring your accounts regularly. But what about your children? From school tablets to gaming consoles and social media apps, kids are growing up in a fully connected world. While technology offers incredible learning opportunities, it
- [Parents: 5 Tasks for Your College-Bound Child](https://www.myhorizoncu.com/parents-5-tasks-for-your-college-bound-child/) - With the high school graduation celebrations in the rearview mirror, it’s time to prepare your child for the next big chapter in their life – heading off to college. For parents, the transition of sending their child into the real world on their own can be difficult, especially if they are attending college out of
- [How to Spot Government Impersonation Scams](https://www.myhorizoncu.com/how-to-spot-government-impersonation-scams/) - Scammers are always working on the next creative ploy to steal your personal information and hard-earned money. However, some scams have stood the test of time and continue to wreak havoc on the finances of unsuspecting victims. You may wonder how people continue to fall for these scams – the answer is a combination of
- [Halfway There: Time for a Mid-Year Money Check-Up](https://www.myhorizoncu.com/halfway-there-time-for-a-mid-year-money-check-up/) - How are your finances since we're more than halfway through 2025? Take 10 minutes to review, reflect, and adjust so you can finish the year strong. Revisit Your Goals: Are you making progress toward your 2025 financial targets? If not, don't worry, this is your chance to reset! Write your goals somewhere visible and break
- [Q3 2025 HCU Newsletter](https://www.myhorizoncu.com/q3-2025-hcu-newsletter/) - A Message From The CEO Dear Member, With economic uncertainty on the rise—including the effects of increasing tariffs and higher prices on everyday essentials—it’s only natural to feel some concern about what lies ahead. Many families are taking a closer look at their budgets, searching for ways to cut costs and strengthen their financial future.
- [Vacation Vibes Without the Big Price Tag](https://www.myhorizoncu.com/vacation-vibes-without-the-big-price-tag/) - Summer is just around the corner, and that means it's time to start planning how you'll make the most of the sunny days ahead. Whether you're dreaming of relaxation, adventure, or quality time with loved ones, now is the perfect time to start thinking about your summer plans.If a big getaway isn’t in the financial
- [7 Simple Ways to Bank Greener](https://www.myhorizoncu.com/7-simple-ways-to-bank-greener/) - Have you ever wondered how the way you bank impacts the environment? It’s likely a topic that has flown under your radar. However, there are many simple, yet effective money moves you can incorporate into your daily life that will help Mother Nature and make managing your money easier. As technology continues to advance, new
- [Raising Financially Confident Teens](https://www.myhorizoncu.com/raising-financially-confident-teens/) - Raising teenagers is never easy. There are a bunch of changes happening all at once – most centered around their desire for more independence. While the teenage years can be challenging for parents, especially as fads come and go, one area where you can have a lasting impact is teaching your child how to manage
- [Q2 2025 Newsletter](https://www.myhorizoncu.com/q2-2025-newsletter/) - A Message From The CEO Dear Member, Uncertain. Uncertain can be represented by many words, such as, unpredictable, inconsistent, unsettled, fickle, skittish, up in the air, haphazard or a myriad of other synonyms and similar words. When we find ourselves in times of uncertainty we long for the steady, stable, consistency of known outcomes. These
- [Enjoy Spring Break Without Overspending](https://www.myhorizoncu.com/enjoy-spring-break-without-overspending/) - Spring break is your chance to hit the pause button, unwind, and recharge - whether that means lounging on the beach, exploring a new city, or simply taking a break from school or work. But while the memories should last forever, the credit card bill shouldn’t. Between flights, hotels, food, and fun, it’s easy for
- [Keys to Success: Tips for Buying Your First Car](https://www.myhorizoncu.com/keys-to-success-tips-for-buying-your-first-car/) - Buying your first car is exciting - it’s a milestone that brings freedom, independence, and maybe even a few road trip playlists. But before you hit the gas, there’s a lot to consider. From setting a budget to negotiating the best deal, the car-buying process can feel overwhelming, especially if you’re navigating it for the
- [Become a savvy saver: A guide for beginners](https://www.myhorizoncu.com/become-a-savvy-saver-a-guide-for-beginners/) - Saving money sounds simple but figuring out where to start can feel overwhelming. Should you open a savings account, explore investments like stocks, or think long-term with retirement planning? And what if you don’t have much to save right now? No worries - we’re here to guide you. In this guide, we’ll help you understand
- [Level Up Your Finances in the New Year](https://www.myhorizoncu.com/level-up-your-finances-in-the-new-year/) - Every New Year’s Eve, people around the globe create resolutions to better themselves in the coming year. Financial matters consistently rank among these top self-improvements. Maybe it’s saving more money, reducing debt, obtaining a higher-paying job, or buying their first home. The desire to improve oneself is admirable because it allows you to reach for
- [Don't Lose Your Balance This Holiday Season](https://www.myhorizoncu.com/dont-lose-your-balance-this-holiday-season/) - Amid the holiday hustle and bustle, veering off track with your budget can be easy. There are impromptu parties, last-minute gifts, unexpected travel, and the list goes on. Staying on top of your finances is crucial this time of the year. That’s why we’re revealing some of the best tools to keep your budget in
- [Be a Savvy Shopper This Holiday Season](https://www.myhorizoncu.com/be-a-savvy-shopper-this-holiday-season/) - The holiday season is upon us, and the cheer and festive atmosphere can be infectious! Between the lights, music, food, gifts, and spending time with loved ones, it can be the most joyful time of the year. It can also be the most expensive time of the year. That’s why it’s more important than ever
- [Fraud Alert: QR Code Scams](https://www.myhorizoncu.com/fraud-alert-qr-code-scams/) - Many technological advancements are designed to simplify your life, providing an added layer of convenience to your everyday tasks. However, with new technology also comes the threat of exploitation by scammers. Unfortunately, this trend has stepped into the world of QR codes – stripping away protections once enjoyed by consumers. QR codes are commonly used
- [Cash Stuffing: The Envelope Budgeting Method](https://www.myhorizoncu.com/cash-stuffing-the-envelope-budgeting-method/) - Budgeting can seem like a daunting task. With so many methods and theories on how to best budget your money, finding the option that works for you can be challenging. Sometimes, the simplest means is the ideal solution. Enter the Envelope Budgeting Method. Envelope budgeting is a timeless strategy gaining in popularity due to its
- [Operation Conquer Hunger: MTN OPS and Horizon Credit Union](https://www.myhorizoncu.com/operation-conquer-hunger-mtn-ops-and-horizon-credit-union/) - 1 in 4 kids in our local community don't have food to go home to after school. MTN OPS was created to aid in donating millions of meals to those families across the country. Every purchase from MTN OPS provides a nutritious meal for those families in need. HCU partnered with MTN OPS to help!
- [Mortgage Closing Costs: A Guide for Homebuyers](https://www.myhorizoncu.com/mortgage-closing-costs-a-guide-for-homebuyers/) - Buying a home is one of the greatest investments you’ll make in your lifetime. Aside from the sale price of the home, there are other expenses that many first-time homebuyers tend to overlook, such as moving costs and furnishing your new place. However, one of the most significant and misunderstood figures is mortgage closing costs.
- [Your Ultimate Car Maintenance Checklist](https://www.myhorizoncu.com/your-ultimate-car-maintenance-checklist/) - Most people don’t think of their car as a financial investment. It’s a means of transportation and part of your daily life. However, without proper maintenance and care, your vehicle could derail your finances with unexpected repair costs and more. Most brand-new cars purchased today come with extensive warranties, and often include the first few
- [The Test Drive: Why It's a Must-Do](https://www.myhorizoncu.com/the-test-drive-why-its-a-must-do/) - Are you on the hunt for a new set of wheels? Finding the perfect vehicle takes time, energy, and plenty of research. While watching videos and reading reviews about different vehicles is helpful, nothing compares to getting behind the wheel. The test drive is one of the most important parts of the car-buying process. It’s
- [Summer Savings: Prep Early for the Holidays](https://www.myhorizoncu.com/summer-savings-prep-early-for-the-holidays/) - As you peruse stores, you may notice more and more holiday décor starting to creep into window displays. With the heat of summer still in the air, it may be hard to even consider the holidays. However, getting a head start on your holiday shopping can help alleviate a lot of stress later – both
- [Home Buying: Psychological Pitfalls to Overcome](https://www.myhorizoncu.com/home-buying-psychological-pitfalls-to-overcome/) - Buying a home is a significant milestone, whether it’s your first time or you’re moving for a growing family. The journey is exciting but can also be exhausting and overwhelming at times. In an ideal world, your perfect home would be waiting for you at the perfect price. Unfortunately, reality often presents a more complex
- [Gift Cards: A Scammer's Best Friend](https://www.myhorizoncu.com/gift-cards-a-scammers-best-friend/) - Gift cards are fun to receive and even better to give to others. Need to grab a last-minute gift? Don’t know what to give the person who has everything? Or buying for a teen that prefers to do their own shopping? No matter your circumstance, there’s a gift card for that! Racks of gift cards
- [Spaving: A Fine Line Between Savings and Overspending](https://www.myhorizoncu.com/spaving-a-fine-line-between-savings-and-overspending/) - Businesses regularly rely on sales and other marketing tactics to increase revenues and pad their bottom lines. While these offers might be enticing to consumers, many of these “deals” are just psychological tricks designed to get you to spend more. As online shopping continues to dominate the marketplace, one tactic that is hard to overcome
- [Your Guide to Savvy Car Shopping](https://www.myhorizoncu.com/your-guide-to-savvy-car-shopping/) - When you set your sights on buying a new car, a whirlwind of emotions can arise. On the one hand, you’re excited to find and cruise away in your new ride. But on the other hand, you know it’s a big decision that could significantly impact your finances for several years. That’s why it’s crucial
- [Unlock Your Dream Summer with a HELOC](https://www.myhorizoncu.com/unlock-your-dream-summer-with-a-heloc/) - Summertime is synonymous with fun, relaxation, and making memories. Whether you’re taking an adventure-filled family vacation, hosting epic backyard barbecues, or embarking on spontaneous road trips, the possibilities are endless. There’s only one thing standing between you and your dream summer – finances. All these excursions come with price tags that can add up to
- [Q3 Newsletter](https://www.myhorizoncu.com/q3-newsletter/) - A Message from your CEO Dear Member, Harry S. Truman said, “It’s a recession when your neighbor loses his job: it’s a depression when you lose yours.” The news about the economy and what different economists and other pundits are saying can give you whiplash with differing views and expectations. We know where we currently
- [How to Perform a Mid-Year Financial Check-In](https://www.myhorizoncu.com/how-to-perform-a-mid-year-financial-check-in/) - As we approach the midway point of the year, now is the perfect time to perform a quick check-in with your finances. Regularly reviewing your saving and spending habits, and making necessary adjustments, helps ensure you stay on track to meet your financial goals. In the current economic state of rising prices and inflation
- [The True Cost of Car Ownership](https://www.myhorizoncu.com/the-true-cost-of-car-ownership/) - When it comes time to buy a new or pre-owned car, the process is much easier today. You can search vehicles, negotiate prices, estimate trade-in values, and even secure financing without ever leaving the couch. Amidst these conveniences and the excitement of getting a new car, people often overlook certain costs associated with purchasing a
- [Phishing, Smishing, and Vishing: How to Protect Yourself](https://www.myhorizoncu.com/phishing-smishing-and-vishing-how-to-protect-yourself/) - In today's digital age, where everything from shopping to banking is done online, the threat of scams looms larger than ever. Imagine receiving an email, a text message, or even a phone call that seems legitimate, only to realize later that it was a trap set by cybercriminals. These tactics, known as phishing, smishing, and
- [Majority of Americans Say They Have an 'Overspending Problem'; 16% Say it Has Ruined Their Lives](https://www.myhorizoncu.com/majority-of-americans-say-they-have-an-overspending-problem-16-say-it-has-ruined-their-lives/) - Credit unions looking to help members may want to note that nearly three-quarters of Americans admit they have an “overspending problem,” with 16% saying spending has ruined their lives, according to a new survey. “Although Americans' spending props up the economy, most describe a life of impulse buying, missed bills, and busted budgets,” said Clever Real
- [Empowering Your Teen with the Right Checking Account](https://www.myhorizoncu.com/empowering-your-teen-with-the-right-checking-account/) - Teenagers are at a critical stage of their lives where they are beginning to navigate the complexities of personal finance. Equipping them with the necessary knowledge and tools empowers them to make responsible decisions and build healthy financial habits. One pivotal step in this journey is selecting the appropriate checking account for your teen. Teaching
- [Q2 Newsletter April](https://www.myhorizoncu.com/q2-newsletter-april/) - A message from your CEO Dear Member Many of us are emerging from the winter hibernation inside the house and enjoy the spring weather that provides an opportunity to get out and experience the renewal of our yards and gardens. If you don’t like the weather at a particular time just wait for a little
- [Defying Deception: Protect Yourself from Financial Scams](https://www.myhorizoncu.com/defying-deception-protect-yourself-from-financial-scams/) - In today’s digital world, financial predators could be lurking around every virtual corner. Scammers live to prey on our deepest fears and capitalize on our resulting panic. Whether it’s a fraudulent email claiming your credit union account has been compromised or a phone call insisting you owe unpaid taxes, fraudsters employ the same psychological tactics
- [Recognizing the Warning Signs of Tax Fraud](https://www.myhorizoncu.com/recognizing-the-warning-signs-of-tax-fraud/) - Tax season brings about a mix of emotions. On the one hand, you’re hoping for a decent tax refund that will unveil financial opportunities for you and your family. On the other hand, gathering tax documents, filing your return, and trying to steer clear of scams can be stressful. But what happens if you discover
- [Pot o' Gold: Smart Money Moves for St. Paddy's Day](https://www.myhorizoncu.com/pot-o-gold-smart-money-moves-for-st-paddys-day/) - With St. Patrick’s Day right around the corner, everyone is seeing green. Now’s the perfect time to check in on your green by reflecting on your financial habits. What money moves can you make today that will improve your financial luck in the months ahead? Enjoy some tips to help you grow your pot of
- [The Not-So-Scary Side of Debt](https://www.myhorizoncu.com/the-not-so-scary-side-of-debt/) - Most people are familiar with the term “debt consolidation,” but they might not understand exactly what it means. Yes, it’s a way to reduce debt and pay less interest; however, the term itself can be intimidating. Often, members feel the process is too involved, or they’re confused about the benefits. Not to worry. We’re here
- [Best Mortgage Options for First-Time Homebuyers](https://www.myhorizoncu.com/best-mortgage-options-for-first-time-homebuyers/) - Deciding to purchase your first home is exciting, yet it’s also a significant financial milestone. It’s easy to get caught up in the moment and give way to your emotions as you search for that perfect house. A crucial step before you fall in love with a home is to ensure you have all your
- [Cultivating Money Skills for Kids of All Ages](https://www.myhorizoncu.com/cultivating-money-skills-for-kids-of-all-ages/) - As a parent, you are the most significant influence on your children’s financial habits, now and later in life. Providing a good example and helping them set healthy money habits now will set them up for success in the future. Teaching your children about finances is not as complicated as it may initially seem -
- [Crafting Financial Goals for the New Year & Beyond](https://www.myhorizoncu.com/crafting-financial-goals-for-the-new-year-beyond/) - New Year’s Day marks one of the most popular moments when it comes to setting goals. Resolutions allow you to start the year off with personal improvement on your mind, giving you something to strive for in the months ahead. One of the most popular goals people set is improving their financial situation. The challenge
- [Answering Your First-Time Homebuyer Questions](https://www.myhorizoncu.com/answering-your-first-time-homebuyer-questions/) - Buying a home is likely the most significant financial transaction you will make in your lifetime. While preparing to purchase a house is exciting, it’s understandable to feel a bit overwhelmed (especially as a first-time buyer). Take a deep breath and relax. We’re here to help ease your mind as we address some of the
- [How to Bounce Back from Holiday Spending](https://www.myhorizoncu.com/how-to-bounce-back-from-holiday-spending/) - The post-holiday period can be challenging for many reasons, especially for your wallet. Between recovering from holiday purchases, attending events, traveling, and preparing for the upcoming tax season, your budget may feel stretched thinner than ever. But holiday spending doesn’t have to put your finances in a long-term hole. There are many strategies you can
- [January Newsletter](https://www.myhorizoncu.com/january-newsletter/) - A message from your CE0 Dear Member, Happy New Year. I hope your 2024 is starting off well. This has traditionally been a time to reset, refocus or make other adjustments in our lives to propel each of us into the future. Best wishes to all as we strive to make the next year better
- [Set Your Budget Up for Success Next Year](https://www.myhorizoncu.com/set-your-budget-up-for-success-next-year/) - As the New Year approaches, many are beginning to consider their resolutions. If you’re like most, your financial outlook probably makes the top of the list. That’s why now is the ideal time to reevaluate your current budget. While budgeting can often seem tedious and time-consuming, it’s the cornerstone to financial success. You want a
- [7 Tips to Help with Holiday Budgeting](https://www.myhorizoncu.com/7-tips-to-help-with-holiday-budgeting/) - 'Tis the season for festive lights, joyful gatherings, and the tempting allure of Black Friday deals just waiting to be seized! As we approach the whirlwind of holiday shopping, take the opportunity now to craft a budget that not only preserves the magic of the season but also safeguards your financial well-being. With a few
- [Unlocking Your Home's Equity: A Responsible Approach](https://www.myhorizoncu.com/unlocking-your-homes-equity-a-responsible-approach/) - One of the most significant financial benefits of being a homeowner is the ability to tap into your home’s equity. With a home equity loan, you can finance almost any project, and the borrowing costs are much lower than other loan options. As savings balances continue to shrink due to inflation, more people are exploring
- [Ways to Save Money on Holiday Travel](https://www.myhorizoncu.com/ways-to-save-money-on-holiday-travel/) - With the holiday season right around the corner, you may already be thinking about your travel plans. Whether you’re heading home to be with family, visiting friends, or going on a well-deserved vacation, travel costs can consume a significant portion of your holiday budget. In this article, we’ll explore ways to reduce travel expenses and
- [Why We Celebrate International Credit Union Day](https://www.myhorizoncu.com/why-we-celebrate-international-credit-union-day/) - Since 1948, credit unions will celebrate International Credit Union Day®. This year it's on October 19th. Often appearing as the unsung heroes among financial institutions, credit unions use this worldwide event to highlight their commitment to financial well-being for all. People often confuse credit unions with banks. On the outside, they appear similar. However, the
- [What Does It Mean to Be Financially Independent?](https://www.myhorizoncu.com/what-does-it-mean-to-be-financially-independent/) - In the world of finance, the phrase “financial independence” is tossed around frequently. The challenge is that this concept isn’t one-size-fits-all; it means different things to different people. For instance, for someone in their golden years, financial independence might signify the ability to retire comfortably without the burden of a 9-to-5 job. However, for hardworking
- [Getting Ready for a Pricey Holiday Season](https://www.myhorizoncu.com/getting-ready-for-a-pricey-holiday-season/) - The holiday season is right around the corner, and it’s safe to say this will be one of the most expensive yet. Everyone is already feeling the financial squeeze thanks to inflation and rising prices. So, when you begin to think about holiday gifts, decorations, parties, and travel, it can feel overwhelming. However, there are
- [Gen Z: It's Time to Kickstart Your Credit Journey](https://www.myhorizoncu.com/gen-z-its-time-to-kickstart-your-credit-journey/) - Whether you are college bound or heading into the workforce, there is something all young adults need to know about: your credit score. Think of this three-number score as your financial GPA. It holds the keys to your dreams of owning a car, renting your first place, or even landing that dream job. The best
- [Short-Term Savings: Which Accounts Work Best?](https://www.myhorizoncu.com/short-term-savings-which-accounts-work-best/) - We all have financial goals we want to achieve one day. Whether it’s taking a well-deserved vacation or securing your golden years, how you save is just as important as how much you put aside. Different goals require different tools and tactics. For example, retirement planning relies heavily on tax-advantaged accounts and long-term investments. But
- [When Does a Home Equity Loan Make Financial Sense?](https://www.myhorizoncu.com/when-does-a-home-equity-loan-make-financial-sense/) - As a homeowner, you possess a unique financial advantage – the ability to build and utilize the equity in your property. Home equity loans offer an affordable means to finance a wide range of expenses, including home renovations, weddings, and higher education. Nevertheless, some homeowners are hesitant to access their home’s equity. Often, people are
- [Back-to-School Shopping: Smart Parents, Happy Wallets](https://www.myhorizoncu.com/back-to-school-shopping-smart-parents-happy-wallets/) - With the new school year right around the corner, feelings can be mixed. While teenagers dread the thought of waking up before noon, most parents crave the structure and routine of the school day. However, there’s much to do before school bells ring and buses fill the streets. By now, you’re probably already receiving school
- [Tips to Achieve an 800+ Credit Score](https://www.myhorizoncu.com/tips-to-achieve-an-800-credit-score/) - An excellent credit score will unlock plenty of financial perks. Loan approvals are much easier, and you’ll qualify for the best rates – potentially saving you thousands of dollars. However, if your goal is to push your credit score over the 800-line, you likely already know quite a bit about this subject. Going from a
- [Money Management Tips for New Parents](https://www.myhorizoncu.com/money-management-tips-for-new-parents/) - Welcoming a new baby is a joyous and exciting time for parents. Whether this is your first child or your third, you know this new addition will come with extra expenses. For most, navigating these costs while also continuing to save money can be tricky. The good news is that you can take steps to
- [Why are Certificates of Deposit Becoming So Popular?](https://www.myhorizoncu.com/why-are-certificates-of-deposit-becoming-so-popular-2/) - After a year of surging prices, members are still grappling with the effects of rising inflation. Add in the rocky performance of Wall Street, and people are looking for a silver lining. One such opportunity is beginning to shine as savings rates also start to climb – it’s called a certificate of deposit (CD). Certificates
- [Unsubscribe & Save: Breaking up with Your Subscriptions](https://www.myhorizoncu.com/unsubscribe-save-breaking-up-with-your-subscriptions/) - We all have them. We know they cost a small fortune. Yet, instead of canceling subscriptions, we find ourselves subscribing to even more. Businesses across all industries have found creative ways to cash in on this profitable business model – and consumers can’t resist clicking “subscribe.” While you and your wallet know it’s time to
- [How to Avoid Common Budgeting Mistakes](https://www.myhorizoncu.com/how-to-avoid-common-budgeting-mistakes/) - Building wealth and achieving financial freedom stem from your ability to save money. Or better put, from spending less than you make. This holds true regardless of how much you earn. It’s not uncommon to hear about celebrities who earned millions of dollars, filing for bankruptcy later in life. You’ll also hear stories of couples
- [Financial Tips for Your College-Bound Child](https://www.myhorizoncu.com/financial-tips-for-your-college-bound-child/) - As a parent, watching your child graduate high school can be bittersweet. You’re filled with pride as you reminisce about all they have achieved and overcome to reach this point. Yet, you know they are about to embark on the next chapter of their life. For many, that’s heading off to college in the fall.
- [Unleash the Power of Your Home's Equity](https://www.myhorizoncu.com/unleash-the-power-of-your-homes-equity/) - Do you ever feel trapped by your finances? Maybe you have several big projects, like your home needs new flooring or your AC is on its last legs. Perhaps you opened your mailbox to find unexpected medical bills. All these projects and expenses can add up quickly, especially when they hit at once. Luckily, if
- [CDs vs. Money Market Accounts: Understanding Your Options](https://www.myhorizoncu.com/cds-vs-money-market-accounts-understanding-your-options/) - Finding ways to save more money should always be a financial priority. However, you can only trim expenses so much before it feels like you’ve cut all the fun out of life. Luckily, boosting your savings doesn’t have to be so drastic. Instead, it all comes down to how you save – not necessarily how
- [How to Build a Debt-Free Future](https://www.myhorizoncu.com/how-to-build-a-debt-free-future/) - Society today runs on credit, and that’s not a bad thing. Very few people can afford to pay cash upfront for things like cars, homes, or a college education. Access to credit and loans allows you to achieve major milestones and improve your financial position. However, with such easy access to credit, many find themselves
- [Fun Ways to Teach Kids About Money](https://www.myhorizoncu.com/fun-ways-to-teach-kids-about-money/) - Fun Ways to Teach Kids About Money It’s never too early to begin teaching kids about money. Responsible money management is a vital skill they will carry throughout their lives. However, the subject isn’t always the most entertaining, especially for younger children. Many find it dull or have difficulty understanding the concepts. Fortunately, there are
- [7 Tips to Save for Your First Car](https://www.myhorizoncu.com/7-tips-to-save-for-your-first-car/) - Buying your first car is an exciting experience! After all, with your very own vehicle, you can finally experience the freedom and independence you’ve been wanting. No longer will you have to ask for rides from your friends and family or rely on ridesharing services or public transportation. However, buying a car also means you’ll
- [Things to Consider When Gifting Money to Grandchildren](https://www.myhorizoncu.com/things-to-consider-when-gifting-money-to-grandchildren/) - Grandparents are famous for spoiling their grandchildren. And it’s so easy when they’re young. Between extra desserts after dinner to buying new toys, everything lights up their faces – and melts your heart. But what about larger gifts, such as contributing to their college fund or helping them buy their first car? While financial gifts
- [Why are Certificates of Deposit Becoming so Popular?](https://www.myhorizoncu.com/why-are-certificates-of-deposit-becoming-so-popular/) - After a year of surging prices, members are still grappling with the effects of rising inflation. Add in the rocky performance of Wall Street, and people are looking for a silver lining. One such opportunity is beginning to shine as savings rates also start to climb – it’s called a certificate of deposit (CD). Certificates
- [10 Ways for Students to Save on Spring Break](https://www.myhorizoncu.com/10-ways-for-students-to-save-on-spring-break/) - Spring break is a tradition that most students want to add to their college experience. Whether it’s visiting a popular hot spot or exploring someplace off the beaten path, it’s a chance to create fun memories with friends. But spring break isn’t necessarily cheap. And it can be hard to say “no” when all your
- [Financial Diets vs. Lifestyle Changes](https://www.myhorizoncu.com/financial-diets-vs-lifestyle-changes/) - If you’ve ever tried to shed a few pounds, you know there are plenty of diets to choose from. And whether they’re dictating how much you can eat or what types of foods are acceptable, most diets have one thing in common – they’re unsustainable. Sure, they might provide a quick fix to get you
- [How to Pay Off Credit Card Debt Once and for All](https://www.myhorizoncu.com/how-to-pay-off-credit-card-debt-once-and-for-all/) - Credit cards are, without a doubt, one of the most convenient forms of payment today. Add in the lure of reward points and cardholder perks, and it’s not hard to understand why they’re so popular. But credit card debt has a way of sneaking up on you. And once it’s there, it can be extremely
- [7 Reasons to File Your Taxes Early](https://www.myhorizoncu.com/7-reasons-to-file-your-taxes-early-2/) - Filing your taxes can be a bit of a headache each year. While many people may have good intentions of filing as soon as they get their W-2s, the reality is people often procrastinate. Then, before they know it, the deadline sneaks up and forces them to reorganize their schedule to make time to file,
- [How to Spoil Your Sweetheart on a Budget](https://www.myhorizoncu.com/how-to-spoil-your-sweetheart-on-a-budget/) - Valentine’s Day is right around the corner, and everyone knows “Diamonds are a Girl’s Best Friend.” While that tune might ring true, crafting a memorable moment for your sweetheart doesn’t have to cost an arm and a leg. All it must do is come from the heart. Sure, that might sound cliché, but the sheer
- [Setting New Year's (Financial) Resolutions as a Couple](https://www.myhorizoncu.com/setting-new-years-financial-resolutions-as-a-couple/) - As the year comes to an end, people look at the new year as a fresh start. It’s a time to change behaviors and create resolutions with the hope of bettering themselves in the coming year. Consistently among the top resolutions are living healthier, spending more time with family and friends, and bettering one’s financial
- [Starting Financially Fresh in the New Year](https://www.myhorizoncu.com/starting-financially-fresh-in-the-new-year/) - As the busy holiday season comes to an end, people around the world use New Year’s Day as a launching pad to improve themselves. Consistently among the top resolutions is bettering one’s financial position. However, while you have the best intentions, many find financial resolutions more challenging to keep. Last year’s spending and financial decisions
- [Is it Time to Look for a New Credit Card?](https://www.myhorizoncu.com/is-it-time-to-look-for-a-new-credit-card/) - If you’re like most people, you probably have one or more credit cards in your wallet. Credit cards are one of the easiest and most convenient forms of payment, making them so popular today. Plus, with the ability to purchase just about anything and pay for it over time, many people tend to turn to
- [What is a HELOC?](https://www.myhorizoncu.com/what-is-a-heloc/) - A HELOC stands for Home Equity Line of Credit. This line of credit loan is based on the equity you have built-in your home. In other words, it’s the difference between what your home is worth and what you have left to pay. Review the Following Example to Understand Your Home’s Equity: VALUE OF
- [How to Make Your Dream Vacation a Reality](https://www.myhorizoncu.com/how-to-make-your-dream-vacation-a-reality/) - Whether it’s trekking across Europe, embarking on a coast-to-coast road trip of the U.S., or cruising through the Canadian Rockies by train, most people dream about that one bucket-list vacation. To many, this adventure remains a dream. But with dedication and planning, it’s often more attainable than people realize. As with any grand vacation, the
- [10 Ways to Save Money Over the Holidays](https://www.myhorizoncu.com/10-ways-to-save-money-over-the-holidays/) - From Thanksgiving to New Year’s Day, life often feels like a blur. Between traveling, shopping, decorating, and celebrating with friends and family, it’s a nonstop sleigh ride for you - and your wallet! While the holidays are the merriest time of the year, it’s easy to get caught up in the moment and overspend. If
- [10 Tips to Fight Inflation this Holiday Season](https://www.myhorizoncu.com/10-tips-to-fight-inflation-this-holiday-season/) - The twinkling lights, delicious foods, and festive music are all signs the holiday season is upon us. Add in the precious moments with family and friends, and it’s a reminder of why it’s the merriest time of the year. Whether it’s decorating, buying gifts, traveling, or entertaining guests, the holidays are also one of the
- [Smart Money Moves for Members Under 30](https://www.myhorizoncu.com/smart-money-moves-for-members-under-30/) - Life in your twenties can be exciting and full of new opportunities. There are many milestones young members might cross off their lists during this period: graduating college, beginning their careers, getting married, and even starting families. While long-term financial goals might seem a lifetime away, the decisions you make today can significantly impact your
- [The Perks of Going Mobile](https://www.myhorizoncu.com/the-perks-of-going-mobile/) - It’s hard to believe the iPhone® was born not long ago in June of 2007. Since that time, everything from browsing the internet and checking emails to connecting with friends and even ordering food has completely changed forever. In that time, the way we bank has been completely transformed as well. While online banking and
- [It's Quick & Easy to Refinance Your Auto Loan](https://www.myhorizoncu.com/its-quick-easy-to-refinance-your-auto-loan-2/) - Is your car payment consistently throwing off your budget? Do you long for an interest rate that doesn’t feel like you’re throwing away money each month? If so, refinancing your auto loan may be the perfect solution. It’s a quick and easy process that could instantly put more money back in your pocket. Let’s review
- [Uncommon Uses for a Personal Loan](https://www.myhorizoncu.com/uncommon-uses-for-a-personal-loan/) - Whether online, in-store, or over-the-phone, credit cards remain one of the top payment choices among consumers. Their convenience, flexibility, and acceptance worldwide make paying for products and services a breeze. However, there are many downsides to credit cards and their ease of use. For instance, the interest rates can be extremely high in some cases.
- [October Newsletter](https://www.myhorizoncu.com/october-newsletter/) - A Message From Your CEO Dear Member, We are excited that the renovation of the Clearfield branch is continuing to move forward. Most of the demolition is completed and we are starting to see the new branch emerge. We look forward to completing this renovation and again providing all the services our members have come
- [7 Reasons to File Your Taxes Early](https://www.myhorizoncu.com/7-reasons-to-file-your-taxes-early/) - Filing your taxes can be a bit of a headache each year. While many people may have good intentions of filing as soon as they get their W-2s, the reality is people often procrastinate. Then, before you know it, the deadline sneaks up and forces you to reorganize your schedule to make time to file,
- [Are HELOCs A Good Idea These Days?](https://www.myhorizoncu.com/are-helocs-a-good-idea-these-days/) - Debt is the wealth killer. You’ve heard this piece of advice repeated in a million different corners of financial news. You’ve read articles telling you to get rid of all your debt in order to build wealth and save for the future. There’s one very notable exception, though, and you’re living in it. Debt secured
- [HCU Partners With Bountiful Food Pantry in Davis County](https://www.myhorizoncu.com/hcu-partners-with-bountiful-food-pantry-in-davis-county/) - Farmington, UT — February 4th, 2022 — Hundreds more families in Davis County can receive the help they need thanks to Horizon Credit Union. During the month of December, the credit union collected non-perishable foods and donations for the Bountiful Food Pantry, located in Bountiful, UT. This, along with the generosity of the community in
- [8 Valentine's Day Hacks](https://www.myhorizoncu.com/8-valentines-day-hacks/) - It's time to celebrate the significant other in your life! If you're thinking that means pricey gifts, expensive dates and blowing an entire day's salary on a restaurant meal, think again. There's no need to drain your wallet while trying to create the perfect Valentine's Day. Instead, use these eight hacks for a dream Valentine's
- [It’s Quick & Easy to Refinance Your Auto Loan](https://www.myhorizoncu.com/its-quick-easy-to-refinance-your-auto-loan/) - Is your car payment consistently throwing off your budget? Do you long for an interest rate that doesn’t feel like you’re throwing away money each month? If so, refinancing your auto loan may be the perfect solution. It’s a quick and easy process that could instantly put more money back in your pocket. Let’s review
- [5 Tips to Curb Overspending](https://www.myhorizoncu.com/5-tips-to-curb-overspending/) - Nothing beats the joy of treating yourself! Many people feel drawn to the thrill of buying new items, pampering services, or tasty meals. However, overspending can become a financial problem when you’re not keeping track of your budget, leading to unwanted debt and stress. The good news is there are ways to curb excess spending
- [Understanding Dealer Financing](https://www.myhorizoncu.com/understandingdealerfinancing/) - If you’re a savvy enough consumer to wait until dealers are desperate to sell, you owe it to yourself to wait just a little bit longer to do your research on financing options. Don’t be fooled by dealer promises of zero percent financing. Let’s take a look at four hidden costs that come with these
- [6 Questions Your Auto Dealer Hopes You Can't Answer](https://www.myhorizoncu.com/dealerquestions/) - 6 Questions Your Auto Dealer Hopes You Can’t Answer Navigating automobile financing can be one of the biggest financial headaches you’ll encounter. But, unless you want to walk everywhere, it’s something you’ll have to deal with. The biggest hurdle is figuring out the angles and understanding the entities that stand to profit from the transaction.
- [APR Explained: Why A Lower Rate Is Your Highest Priority](https://www.myhorizoncu.com/apr-explained-why-a-lower-rate-is-your-highest-priority/) - The most annoying part of credit card debt is the monthly statement. It’s a dense plate of word salad served with a heaping dose of guilt dressing. The only part of it that’s easy to understand is the “payment due” – and that’s just the way credit card companies like it! Credit card companies have
- [Holiday Spending is Getting Smarter, But You Can Be Smarter](https://www.myhorizoncu.com/holiday-spending-is-getting-smarter-but-you-can-be-smarter/) - The average American will spend nearly $900 on holiday presents this year. If you have two adults in your household, that’s almost $1,800. The odds are good that you’ve already spent a good chunk of that on Black Friday, Small Business Saturday, and Cyber Monday specials. In looking at the sales numbers from the weekend,
- [Adjustable Or Fixed-Rate Mortgage – Which Is Right For Me?](https://www.myhorizoncu.com/adjustable-or-fixed-rate-mortgage-which-is-right-for-me/) - If you’re mortgage shopping, you may be overwhelmed by the number of options. Dozens of lenders, each with their own rates, terms, conditions and costs, can make the decision feel that way. But it doesn’t have to be that difficult! The choice of which mortgage to go with starts with a simple question: fixed-rate or
- [Money Savings Ideas for Parents](https://www.myhorizoncu.com/money-savings-ideas-for-parents/) - Think that having kids will put a cramp in your style — not to mention your wallet? Well, that’s not always the case. Follow these simple tips and you’ll discover that you can nourish your wallet while also nurturing your family. 1. Avoid impulse buys. A good way to do this is to put your
- [Financial Self Defense](https://www.myhorizoncu.com/financial-self-defense/) - Your credit's trending in the wrong direction, you're short on cash and you're desperate for a loan. You need to get your hands on some cash to help pull you out of this tight spot, and you need to do it - fast! Unfortunately, though, it feels like no reputable institution is willing to grant
- [Q&A: What's The best Way To Finance A home Renovation?](https://www.myhorizoncu.com/qa-whats-the-best-way-to-finance-a-home-renovation/) - Q: I'm doing some home renovations this summer and I'm not sure how to finance this expense. There are so many loan options, but which one makes the most sense? A: Whether you're gutting your entire kitchen or turning your basement into a home theater, we've got you covered! As a Horizon CU member, you have several
- [Phishing](https://www.myhorizoncu.com/phishing/) - Long ago, identity thieves had a harder time of it. They had to actually steal something like your wallet to get your information. A sophisticated identity thief in the 21st century will try phishing. That’s phishing, not fishing, but the victims are caught on a hook just as surely as if they were a hapless
- [How To Protect Yourself From Identity Theft](https://www.myhorizoncu.com/how-to-protect-yourself-from-identity-theft/) - Chances are you or someone you know has had their identity stolen at one point or another. It can be expensive, stressful and extremely complicated to recover from. Here are seven ways to help protect yourself and your most important data from identity thieves. Secure Your Hardcopies Most of us think of identity theft as
- [Be Financially Fit: Your Personal Money Makeover In 7 Easy Exercises](https://www.myhorizoncu.com/be-financially-fit-your-personal-money-makeover-in-7-easy-exercises/) - As the new year begins, you may be considering some exciting resolutions. As your credit union, we’d like to encourage you to make one of those changes a dedication to financial security and success. Don’t just resolve to become physically fit this year; become financially fit, too. When trying to lose weight, people often turn
- [Summer Fun On A Budget](https://www.myhorizoncu.com/summer-fun-on-a-budget/) - Keeping the kids entertained while on summer break can be an expensive endeavor. Registrations for summer camps, day care and recreation programs are only the tip of the iceberg. You also need to consider transportation costs to and from these programs that you don’t normally attend during the school year. But summer break doesn’t have to break your budget. You can
- [6 Ways To Save On Your Summer Vacation](https://www.myhorizoncu.com/6-ways-to-save-on-your-summer-vacation/) - The ocean is calling – and so is the open road. Your dream vacation awaits! But first, you need to work out the financial details. How are you going to pay for your getaway? How much can you realistically spend? Where is the money for your vacation going to come from? Ideally, a plump vacation
- [Saving Money On Hotel Rooms](https://www.myhorizoncu.com/saving-money-on-hotel-rooms/) - Q: We’re going on a short vacation, and I’m wondering if we can save on the hotel room. Is there anything we can do to make sure we get the best price possible? A: There are lots of things you can do! Since hotels overcharge business travelers by as much as $500 million a year,
- [Do Your Finances Make You Want To Scream?](https://www.myhorizoncu.com/do-your-finances-make-you-want-to-scream/) - Scary flicks are classic fun, whether they’re good enough to keep you up all night when you’re home alone or bad enough to laugh at with a group of friends – because you all know what’s going to happen next. The classics follow a simple formula, but it works. The same is true when it comes
- [Everything You Need To Know About The Equifax Breach](https://www.myhorizoncu.com/everything-you-need-to-know-about-the-equifax-breach/) - In a recently revealed breach, 143 million Americans may have had their personal information exposed. Equifax, one of the nation’s three major credit reporting agencies, reported a massive data breach lasting several months. Hackers were able to access people’s names, Social Security numbers, birth dates, addresses and driver’s license numbers. They also stole credit card
- [Putting Money Away (Paying Yourself First) When There’s Nothing Left To Save](https://www.myhorizoncu.com/putting-money-away-paying-yourself-first-when-theres-nothing-left-to-save/) - You’ve read it a million times if you’ve read it once. Put money away. Save 10% of your income. Fund your 401(k) plan. Pay yourself first. Establish a nest-egg. Spend less than you earn. But what if you can’t? What if you simply don’t make it from one paycheck to the next on a month-by-month
- [Living A Frugal Lifestyle Might Be The Key To WINNING](https://www.myhorizoncu.com/living-a-frugal-lifestyle-might-be-the-key-to-winning/) - Do you believe money is the key to happiness? Somewhere deep inside, we all know that money cannot buy happiness. Many people overspend and rack up thousands of dollars in credit card debt to live a lifestyle they believe will make them happy, only to discover they are living beyond their means. This, in turn,
- [It’s Almost Halloween, So Let’s Talk Christmas](https://www.myhorizoncu.com/its-almost-halloween-so-lets-talk-christmas/) - Football has begun, the leaves are changing and the kids are back in school. Clearly, it’s time to start thinking about Christmas. Some of you are reading this on your phone while waiting in line at Starbucks, preparing to buy your first Pumpkin Spice Latte of the season, but it’s time to start thinking of
- [6 Tips to Surviving Black Friday](https://www.myhorizoncu.com/6-tips-to-surviving-black-friday/) - While it’s true that Black Friday does pose some serious risks to shoppers, it doesn’t mean you need to miss out on any deals. With the proper safety measures and precautionary steps, you can happily join the bargain-hungry crowds flocking to malls and shopping centers on Nov. 23. Here’s how: 1.) Plan ahead Black Friday
- [Help! I Overspent On the Holidays!](https://www.myhorizoncu.com/help-i-overspent-on-the-holidays/) - It’s so easy to go overboard on Christmas. If you have kids, you want everything to be perfect for them. You want to build priceless memories, so spending any amount seems worth it. If you’re just getting started, you want to impress your family with how together you have things. Giving extravagant gifts to your
- [Love And Money: Scripts For Talking About Money With Those We Love](https://www.myhorizoncu.com/love-and-money-scripts-for-talking-about-money-with-those-we-love/) - Communication is key to making sure you’re both on the same page regarding your finances. After all, money is a major part of life. Even if you don’t agree on how money should be spent or saved, identifying your financial values and personalities is one big step in the right direction. Before the conversation Before
- [Stuck at Home? Spend Your Time Productively](https://www.myhorizoncu.com/stuck-at-home-spend-your-time-productively/) - COVID-19 has wreaked havoc on normal life around the world. Major retailers and small businesses are closing their doors; leisure travel has almost ground to a halt; the stock market is bearing the brunt of a string of losses; and thousands of schools and universities sit vacant mid-semester while their students are home for an
- [Last Licks Of Summer: A Labor Day Vacation Without The Traffic … Or Expense](https://www.myhorizoncu.com/last-licks-of-summer-a-labor-day-vacation-without-the-traffic-or-expense/) - If you don’t believe that the grass is always greener on the other side of town, consider this: Most Americans don’t know what’s in their own backyards. People often pile into cars to go “away” while cars piled with other vacationers are pulling into the very town they’re leaving. Tourists often know more about the
- [Back-To-School Shopping: Incorporate A Personal Finance Lesson](https://www.myhorizoncu.com/back-to-school-shopping-incorporate-a-personal-finance-lesson/) - Most parents regard back-to-school time with a mix of emotions. On one hand, you’re sorry to see your kids go. Summer has been a great time to tackle projects together, build memories and have fun. On the other hand, it’ll be nice to have the whole house awake and moving before noon again! Regardless, there’s
- [4 Steps to Checking Your Credit Report](https://www.myhorizoncu.com/4-steps-to-checking-your-credit-report/) - If there were a song about keeping yourself safe from financial scams, the refrain to that song would be “Check your credit report!” But practically speaking, what does that mean? How can that one piece of advice keep you safe from so much? Though it sounds like an advanced financial maneuver, checking your credit report
- [Private Mortgage Insurance. What you need to know.](https://www.myhorizoncu.com/private-mortgage-insurance-what-you-need-to-know/) - Whether you’re a long-time homeowner or you’ve just started shopping for your dream house, you’ve seen stacks of papers full of acronyms. Buried amid the dense undergrowth of legalese are three letters that could be costing you more than you think. Be on the lookout for PMI: Private Mortgage Insurance. PMI in a nutshell Close
- [Trimming Your Credit Cards: How to Decide What To Close And What To Keep](https://www.myhorizoncu.com/trimming-your-credit-cards-how-to-decide-what-to-close-and-what-to-keep/) - If you’ve reached a point where you know you have too many cards and want to trim them to simplify your life or to get your finances under control, think carefully before you act. Some of your credit cards are better than others, so careful consideration is in order. 1. Decide how many credit cards
- [Don’t Sleep On Your Savings: Avoiding Dormant Accounts](https://www.myhorizoncu.com/dont-sleep-on-your-savings-avoiding-dormant-accounts/) - One of the best things you can do with a savings account is forget about it. If you don’t think about it, you can’t spend it. It’s there when you need it, and it’s earning dividends the whole time. However, like with most good advice, there can be a flip side. You don’t want to
- [What Should I Fund First? My Retirement Accounts Or A College Fund?](https://www.myhorizoncu.com/what-should-i-fund-first-my-retirement-accounts-or-a-college-fund/) - With so many demands on a family’s budget, you can’t do it all. Lots of people are forced to choose between fully funding a retirement plan for mom and dad and diverting some or all of the available cash savings to fund college. Which should come first? All things being equal, fund retirement first. Here’s
- [Going From New Homeowner To Happy Home: Tips For Recent Homebuyers](https://www.myhorizoncu.com/going-from-new-homeowner-to-happy-home-tips-for-recent-homebuyers/) - Buying your first home is a major milestone. There’s nothing quite like the giddy rush that comes from knowing you could paint a wall fluorescent pink or cover the cabinets in peanut butter and no one could legally stop you. You’ve also got a new and quite big investment you need to maintain. Weighing the
- [Credit Cards Or Debit Cards – What’s The Smartest Swipe?](https://www.myhorizoncu.com/credit-cards-or-debit-cards-whats-the-smartest-swipe/) - Most people own at least one debit card and at least one credit card. They know they have them, but they may not know about all the differences that exist between using a credit card and a debit card. Believe it or not, there are many. The most basic difference is the fact that each
- [How Not To Bust Your Holiday Budget](https://www.myhorizoncu.com/how-not-to-bust-your-holiday-budget/) - The holiday shopping season is in full swing. The malls are packed with eager shoppers. Offers and promotions are coming from clothing stores, electronics retailers and other shopping sites. They’re probably flooding your inbox, and your physical mailbox is getting overloaded with catalogs from shops you haven’t bought anything from in years, if ever. If
- [Auto Loans: Credit Unions Vs. Banks](https://www.myhorizoncu.com/auto-loans-credit-unions-vs-banks/) - Need a car but can’t pay cash? You have three choices: Borrow from the dealer or manufacturer’s financing company, borrow from a bank, or borrow from a credit union (unless Uncle Bob is willing to finance you, but who wants the “strings” that go along with that?). Each method has advantages and disadvantages – but
- [Is Now The Perfect Time To Buy A New Car?](https://www.myhorizoncu.com/is-now-the-perfect-time-to-buy-a-new-car/) - Americans have a definite love affair with driving – and there’s nothing like falling fuel prices to speed our heartbeats. As prices at the pump go down, if you’re like everyone else, your thoughts may be turning toward buying a new vehicle or planning that next road trip or family vacation.With gas prices at their
- [The Truth About Dealer Auto Loans](https://www.myhorizoncu.com/cuvsbankauto/) - Ever wonder how auto dealers can afford to advertise loans with APRs as low as 0%? You’re about to uncover the truth about auto loans arranged by dealers and other facts your dealer doesn’t want you to know. The low APRs dealers advertise usually come with bigger down payments. And it usually means you are
- [Get Auto Financing Before You Shop](https://www.myhorizoncu.com/autofinancingfirst/) - An automobile is a major investment. Just think about it: In the last 10 years, have you bought anything that costs more than a car? A house or your kid’s education, maybe. Yet, unlike a house, a car is not going to appreciate in value; and unlike an education, an SUV is not going to

## Pages

- [Saving options](https://www.myhorizoncu.com/saving-options/) - Share Certificates: Looking for a secure way to grow your savings? Horizon Credit Union's Share Certificates offer fixed terms and competitive rates to help you earn more on your money. Whether you're planning for a future purchase, retirement, or simply looking to maximize your savings, share certificates provide a reliable way to put your money to work while enjoying the
- [Rates](https://www.myhorizoncu.com/rates/) - As a Utah-based credit union, Horizon Credit Union is committed to supporting the educators, students, employees, and families who strengthen our communities. That's why we offer competitive rates and valuable financial benefits to members connected to organizations such as the Davis Education Foundation, Davis School District, Davis Technical College, and Lifetime Products.
- [About Horizon Credit Union](https://www.myhorizoncu.com/about-horizon/) - Mission Horizon Credit Union Promotes the financial wellbeing of its members. As a member-owned, non-profit financial partner, Horizon Credit Union (HCU) has more than 13,000 members. HCU is, has been, and always will be, guided by the credit union philosophy of “people helping people.” Unlike many financial institutions, HCU does not issue stock to outside
- [](https://www.myhorizoncu.com/services/) - Mobile Banking and SecurityInsurance & PlanningWelcome Home LoansGo LoansEveryday FinancesInvestments with InvestiFiInvestments with Cetera Wealth Services No matter where life takes you across Utah—from the Wasatch Front to weekend adventures in the mountains—Horizon Credit Union’s digital banking tools help you stay connected to your money. When you enroll in our digital banking services, you can
- [Crypto and Securities - Investing Simplified](https://www.myhorizoncu.com/cryptocurrency-and-securities/) - We're excited to announce a new investment portal as an option for our members to buy, sell, and manage cryptocurrency and securities. Invest with as little as $1.00. There are security measures in place to keep this system safe and secure. We've partnered with InvestiFI, a technology provider, to connect our members with a new We've partnered with InvestiFi. An optional investment portal for our members to buy, sell, and manage crypto and securities. Invest with as little as $1!
- [](https://www.myhorizoncu.com/tools/) - Payment CalculatorATM LocatorMobile BankingFree Credit ReportIdentity Theft & FraudNCUA Share Insurance Estimator Calculate mortgage, auto and savings with our handy calculators. More Surcharge-free access to your money, almost anywhere. More We’ve invested in technology such as online and mobile banking for routine transactions. We encourage all of our members to sign up for our digital
- [MedicareCU](https://www.myhorizoncu.com/medicarecu/) - Horizon Credit Union has teamed up with MedicareCU to provide no-cost education and services regarding Medicare and Individual/Family health insurance to our members. What does MedicareCU* do? MedicareCU is here to guide you down the path of Medicare. As a member of HCU, you have access to a no-cost, no-obligation consultation with a licensed insurance agent that works with Medicare plans and Individual/Family health insurance plans.
- [Credit Cards](https://www.myhorizoncu.com/credit-cards/) - Horizon Credit Union offers both VISA Classic and VISA Rewards credit cards designed to fit your financial needs. Both options feature low, fixed interest rates. The HCU VISA Classic card starts as low as 9.9% APR*. With the HCU VISA Rewards card, you’ll earn 1.5% APR cashback* on your purchases, with rewards automatically applied to
- [HCU 70th Anniversary Branch Celebrations](https://www.myhorizoncu.com/70th-anniversary-branch-celebrations/) - This year, we proudly celebrate 70 years of serving members and the community! What began on April 6, 1956, with twelve visionary Davis School District employees and just $295 in deposits as the Davis School District Employees Credit Union, has grown into a strong, thriving financial cooperative serving our community with pride known as Horizon
- [Cetera Wealth Services](https://www.myhorizoncu.com/cetera-wealth-services/) - Registered Representative offering securities through Cetera Wealth Services, LLC, member FINRA/SIPC. Advisory services offered through Cetera Investment Advisers LLC, a Registered Investment Adviser. Cetera is under separate ownership from any other named entity. Corresponding Representative: Paul Hill Corresponding branch addresses phone #: 801-255-7019 Corresponding offices branch address: 114 W Winchester Street, Suite 100, Murray, UT 84107 Broker/Dealer
- [Low Interest Auto Loan!](https://www.myhorizoncu.com/autoloan/) - Refinance your high interest auto loan with Horizon Credit Union! Fill out this form for more information and to request to be contacted by our team to refinance your auto loan.
- [Social Media Jumbo Share Request](https://www.myhorizoncu.com/social-media-jumbo-cd-request/)
- [Davis Education Foundation Donation Drive](https://www.myhorizoncu.com/davis-education-foundation-donation-drive/) - HCU will be matching monetary donations up to $5000. Donate monetarily or donate the following specific items. Donations can be made in-person or online. Donate monetarily or donate pantry-items now till the end of the August. Online or Mobile Donation:Login to the HCU mobile app or online bankingPerform a Quick Transfer located in Move Moneyon the app or Pay &
- [70th Anniversary Jumbo CD Request](https://www.myhorizoncu.com/70th-anniversary-jumbo-cd-request/)
- [KSL Jumbo CD Request](https://www.myhorizoncu.com/ksl-jumbo-cd-request/)
- [Direct Deposit](https://www.myhorizoncu.com/direct-deposit/) - Direct Deposit is a free service that automatically deposits recurring income into any Horizon Credit Union checking or savings account you choose. Income you receive from your employer, Social Security, pension and retirement plans, the Armed Forces, VA Benefits, and annuity or dividend payments may all qualify for Direct Deposit.The best part about Direct Deposit is:
- [Direct Deposit Form 2026](https://www.myhorizoncu.com/direct-deposit-form-2026/) - Direct Deposit Enrollment Form 2026Download
- [Youth and Teen Sweepstakes for an HCU Share Certificate](https://www.myhorizoncu.com/youth-and-teen-sweepstakes/) - Encourage your children to make a $5 deposit into their account and they will be entered into a drawing to win a personalized CD with a $70 deposit from HCU! The winners will be picked monthly for the next 12 months. For the older kids, teens are encouraged to participate and they will be entered
- [$70 Payback Promotion Official Rules](https://www.myhorizoncu.com/70-payback-promotion-official-rules/) - Every time you fill up, Horizon could fill your wallet! From May 4 – July 5, 2026, use your Horizon Credit Union debit or credit card at the gas pump for a chance to win up to $70 back—right onto your card. Members will receive one entry into the drawing each time they use their Horizon Credit Union debit or credit card
- [Fuel Up & Win!](https://www.myhorizoncu.com/fuel-up-win/) - Every time you fill up, Horizon could fill your wallet! From May 4 – July 5, 2026, use your Horizon Credit Union debit or credit card at the gas pump for a chance to win up to $70 back—right onto your card. Members will receive one entry into the drawing each time they use their Horizon Credit Union debit or credit card
- [Teen Entry Form](https://www.myhorizoncu.com/teen-entry-form/) - Teens are encouraged to participate and they will be entered into a drawing for a scholarship of $500 in a 12-month CD. The winners will be picked at the end of each quarter Ways for Entry: $50 or more in net deposits during the quarter New checking account with Debit Card Open new CD of
- [Youth Sweepstakes for HCU Share Certificate](https://www.myhorizoncu.com/youth-sweepstakes/) - Encourage your children to make a $5 deposit into their account and they will be entered into a drawing to win a personalized CD with a $70 deposit from HCU! The winners will be picked monthly for the next 12 months. Youth Financial Education Download the Explore the World of Money activities and explore together.
- [Youth Month 2026](https://www.myhorizoncu.com/youth-month-2026/) - Explore the World of Money: A Fun Journey for Young Savers April is Credit Union Youth Month, and Horizon Credit Union is inviting families to Explore the World of Money together. Learning about money should feel empowering and approachable. This month focuses on helping kids build smart money habits through simple, engaging activities that encourage
- [Promotion Rule: New Member Deposit Incentive](https://www.myhorizoncu.com/promotion-rule-new-member-deposit-incentive/) - Offer Description A promotional incentive of $70 will be deposited for the first five (5) new members who successfully register at each qualifying event. Eligibility This promotion is available only to new members who have not previously registered or held membership with the organization. Must meet all qualifications for membership. Participants must complete all required registration steps during the event to qualify.
- [Official Rules for the"Golden Ticket" Promotional Drawing](https://www.myhorizoncu.com/official-rules-for-thegolden-ticket-promotional-drawing/) - Promotion Description The “Golden Ticket” promotion awards one (1) eligible participant per branch location with a $500, 12month Certificate of Deposit (CD). Drawing Mechanics Each participating branch will have one (1) sealed envelope containing one (1) Golden Ticket. Only one Golden Ticket is available per branch. Envelopes will be opened according to event procedures until the Golden Ticket is
- [Official Rules for Teen Quarterly Scholarship](https://www.myhorizoncu.com/official-rules-for-teen-quarterly-scholarship/) - $500 12-month Certificate of Deposit NO PURCHASE NECESSARY TO ENTER OR WIN. VOID WHERE PROHIBITED BY LAW. 1. Sponsor This promotion is sponsored by Horizon Credit Union (“HCU”), hereafter referred to as the “Sponsor.” 2. Promotion Description The Teen Quarterly Scholarship provides eligible participants the opportunity to win one (1) $500 12‑month Certificate of Deposit (CD) by completing qualifying account activities and submitting an
- [Official Rules for Youth CD Deposit Sweepstakes](https://www.myhorizoncu.com/official-rules-for-youth-cd-deposit-sweepstakes/) - NO PURCHASE NECESSARY TO ENTER OR WIN. VOID WHERE PROHIBITED BY LAW. 1. Sponsor This promotion is sponsored by Horizon Credit Union (“HCU”), hereafter referred to as the “Sponsor.” 2. Promotion Description Eligible participants may enter to win one (1) $70 12‑month Youth Certificate of Deposit (CD) by depositing funds into a qualifying HCU Youth account during the
- [KSL: Mortgage and HELOC](https://www.myhorizoncu.com/ksl-mortgage-and-heloc/) - Thank you for your interest in our Mortgage and HELOC options! Use this form to request more information about our promotions.
- [KSL: Auto Loan](https://www.myhorizoncu.com/ksl-auto-loan/) - Thank you for your interest in our Auto Loan rate! Use this form to request more information about our auto loan promotions.
- [Special Auto Loan Interest Form](https://www.myhorizoncu.com/special-auto-loan-interest-form/)
- [Fee Schedule for Horizon Utah Federal Credit Union](https://www.myhorizoncu.com/fee-schedule-for-horizon-utah-federal-credit-union/) - Updated April 1, 2026. Checking Services Electronic/Card Services Collection Services Miscellaneous Services *Fee may be reduced or waived depending on account relationship
- [Youth Accounts-Helpful Links](https://www.myhorizoncu.com/youth-accounts-helpful-links/) - Be a support system that can help kids understand the value of saving and having good financial habits. Help your children conquer their goals that require saving money! Educate your kids on the importance of being financially stable and teach them the skills for how to do it. Below are a few articles for parents
- [Mortgage Contact Form](https://www.myhorizoncu.com/mortgage-contact-form/) - Have questions about our mortgage options or the homebuying process? Use the contact form below and a mortgage specialist will reach out to help you as needed. We have options for you from HELOCs, to 1st mortgages to refinancing, get pre-approved with HCU! Contact our Mortgage team directly at 801-451-5064 ext. 1128. You'll meet Deziráe
- [Mortgage Monday](https://www.myhorizoncu.com/mortgage-monday/) - Check in weekly with our Mortgage Expert for all this HCU Mortgages and HELOCs! 1: Mortgage Monday V1 2: Mortgage Monday V2 3: Mortgage Monday V3
- [Everyday Finances](https://www.myhorizoncu.com/deposits/) - Everyday finances play a big part in everyone's life. Let HCU make it a little easier with our everyday finance options. Join Horizon CUSavingsCheckingDebit CardsCredit CardsVisa Travel & Gift CardsMoney Smart All Stars Youth Account JOIN THE HCU FAMILY When you choose to open an account with Horizon Credit Union you become part of our
- [Fee Schedule - April 1, 2026](https://www.myhorizoncu.com/fee-schedule-april-1-2026/) - Fee Schedule April26Download
- [Account to Account Transfers (A2A)](https://www.myhorizoncu.com/account-to-account-transfers/) - Horizon Credit Union members can now transfer funds to and from other U.S. financial institutions through our Online Banking service. Just log in to your Online Banking account, click on the Accounts tab, then select Account To Account Transfer from the drop-down menu. Transfer funds must be generated FROM a checking account and can be
- [Horizon Credit Union Dedicated Savings](https://www.myhorizoncu.com/horizon-credit-union-dedicated-savings/) - Open a Dedicated Savings Account and see your money grow! Stash away your cash and build up your account in the new year. Talk to our expert HCU team for more information on a Dedicated Savings Account! See the HCU Dedicated Savings Account Setup Request Form to start the process. This account requires a minimum
- [Debit Card Round-Up](https://www.myhorizoncu.com/debit-card-round-up/) - Debit Card Round-Up at HCU is a great way to add money to your savings without even noticing you're doing it! Each transaction made with your debit card is rounded up to the nearest dollar and then what's rounded is transferred from your checking account to savings account at the end of the day. For
- [Monthly Budget](https://www.myhorizoncu.com/monthly-budget/) - Use this monthly budget to help keep you connected to your monthly finances. This could also be great for teens and budgeting their first job. Monthly budget sheet feb26 (2)Download
- [Mobile Banking](https://www.myhorizoncu.com/mobile-banking/) - HCU Mobile AppHCU Mobile DepositsAccount to Account TransfersOnline Bill PayDirect DepositSecurLOCK The Horizon Credit Union app makes it easy to check your balance, make transfers, view our rates and more. Accessing your account while on the go has never been easier with this free app. Login to your account securely just like online banking. Always
- [Individual Retirement Account (IRA) Inquiry](https://www.myhorizoncu.com/individual-retirement-account-ira-inquiry/)
- [HCU Careers](https://www.myhorizoncu.com/careers/)
- [Checking Features](https://www.myhorizoncu.com/checking-features/) - Free Mobile/Online Banking, including Mobile Deposits Access your account with ease online or on the go. HCU offers multiple options to make your financing easy and smart. Make secure deposits 24/7 without visiting a branch using your smart phone or tablet. ITM (Interactive Teller Machine) and Telephone Teller 10,000+ surcharge free ATMs Free On line bill Pay:Use your
- [HCU Budget Calculators](https://www.myhorizoncu.com/calculators/) - Calculate anything from a mortgage payment, car payment to how much savings you need to have with our calculators. Use this tool to help you budget and take control of your finances. Our team is available to help or answer any questions you might have about budgeting your loan payments.
- [Monthly 50/30/20 Budget](https://www.myhorizoncu.com/monthly-50-30-20-budget/) - Monthly budget sheet feb26 (3)Download
- [Contact](https://www.myhorizoncu.com/contact/) - Phone #: 801-451-5064 SMS Terms and Conditions Mailing Address:Horizon Credit Union PO Box 687 Farmington, UT 84025 Email:info@myhorizoncu.com Locations FARMINGTON225 S 200 WFarmington, UT 84025801-451-5064 Map SOUTH BRANCH1589 S 500 WWoods Cross, UT 84010801-451-5064 Map CLEARFIELD1270 E 1450 SClearfield, UT 84015801-451-5064 Map KAYSVILLE37 E 100 NKaysville, UT 84037801-451-5064 Map WEST POINT2986 W 300 NWest Point,
- [Dedicated Savings Account Setup Request](https://www.myhorizoncu.com/dedicated-savings-account-setup-request/)
- [Credit Card Balance Transfer Request Form](https://www.myhorizoncu.com/balancetransfer/) - Do you have a credit card at another institution with an interest rate that's just to high? Do you have a store credit card that's getting out of hand? Make the smart move and transfer your balance! Transfer your credit card balance from another card to an HCU credit card that has NO annual fees,
- [Charitable Contributions](https://www.myhorizoncu.com/charitable-contributions/) - At Horizon Credit Union, giving back to the community we serve is the heart of what we do. This holiday season, we're excited to announce that we'll match member donations up to a total of $25,000! Your generous contributions will support these incredible organizations: Warm the Soles - Shoe donations to kids in need Davis
- [Investments](https://www.myhorizoncu.com/investments/) - Cetera Advisor Networks, located at Horizon Credit Union, is a financial services firm committed to helping our clients improve their long-term financial success. Speak with Nicole Finamore of Cetera Advisor Networks, located at Horizon Credit Union*, about the specialized financial services you may need. She’s happy to assist with retirement plans, insurance needs, and more.
- [NCUA Insurance](https://www.myhorizoncu.com/ncua-insurance/) - National Credit Union Administration (NCUA) The NCUA operates the National Credit Union Share Insurance Fund to protect your Horizon Credit Union accounts. This fund federally insures individual accounts up to $250,000, and a member’s interest in all joint accounts combined is insured up to $250,000. The Share Insurance Fund separately protects IRA and KEOGH retirement
- [Home Loan E Course](https://www.myhorizoncu.com/homeloanecourse/) - Buying a home can be a daunting task. The challenges of being a first-time homeowner can be intimidating, particularly for people who are moving away from home. Let’s take a look at a few guidelines to help take some of the stress out of the decision. The house you buy may not be forever. Because
- [Multi-Factor Authentication (MFA)](https://www.myhorizoncu.com/multi-factor-authentication-mfa/) - Multi-Factor Authentication (MFA) is a new safety feature now securing It's Me247 and the HCU Mobile App! MFA is a new security level that adds an additional form of identification to access your online accounts. MFA functions by sending a one-time code to either your email or phone number listed on your account. This one-time
- [Horizon CU VISA Cashback Rewards](https://www.myhorizoncu.com/horizon-cu-visa-cashback-rewards/) - Cashback Rewards credit card is the quick and easy way to earn cash back. Simply use your REWARDS credit card for eligible purchases and automatically receive 1.5% of the transaction amount as a cash bonus. NO Annual Fee Rewards Earned Monthly Chip Enabled Rebates for qualifying purchases on your Rewards Visa Card are based on
- [SMS Terms and Conditions](https://www.myhorizoncu.com/sms-terms-and-conditions/) - How do I Opt-In to communicate via SMS? You opt-in to receive text messages when you become a member of the Credit Union. You can find a copy of the Membership Agreement here. Other methods of opt-in: Text any message to 801-451-5064 Agree to SMS communication through other forms such as Loan Applications or other
- [Privacy Policy Disclosure](https://www.myhorizoncu.com/privacy-policy-disclosure/) - What does Horizon Credit Union do with your personal information? Why Financial companies choose how they share Your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires Us to tell You how We collect, share, and protect Your personal information. Please read this notice carefully
- [Tap to Pay: Google Wallet/Apple Pay](https://www.myhorizoncu.com/tap-to-pay-google-wallet-apple-pay/) - Loading a credit card into Apple Pay is a straightforward process. Here's a step-by-step guide to help you through it: Open the Wallet App: On your iPhone, locate and open the Wallet app. Add a Card: Tap the + icon in the top right corner of the screen. If this is your first card, you
- [Gliatest](https://www.myhorizoncu.com/gliatest/)
- [Credit unions celebrate 90 years of putting people first](https://www.myhorizoncu.com/credit-unions-celebrate-90-years-of-putting-people-first/) - When it comes to managing your hard-earned money, it’s important to choose a financial services provider that makes your needs their top priority. Credit unions are uniquely focused on helping people reach their financial goals, whether that is saving for the future, buying a car, or reducing debt. That’s because they are not-for-profit financial cooperatives
- [Mobile Card App Privacy Policy](https://www.myhorizoncu.com/mobile-card-app-privacy-policy/) - HCU CARD DEFENSE MOBILE APPHCU Card Defense Mobile App periodically collects, transmits, and uses geolocation information for enabling features such as, but not limited to, card use and alerts to prevent fraudulent activates, but only if the end user expressly authorizes collection of such information. View full Privacy Policy
- [Personal Loans](https://www.myhorizoncu.com/personal-loans/) - Signature Loans Signature loans are disbursed in a lump sum, and require no application fees and no collateral. Qualified members can borrow up to $10,000 for small expenses or to consolidate debt.With an easy application process, flexible repayment terms and easy online account access, a personal loan could be the right choice for you. Not sure if
- [Identity Theft & Fraud](https://www.myhorizoncu.com/identity-theft-fraud/) - Fraud can come from an email, a text message or phone call. Criminals and scammers use "Phishing" or "Smishing" as a way to try and capture or “catch” your financial information and passwords. Typically, they will contact you with a phone call, e-mail or instant message and pose to be your financial institution. Often the
- [Teaching Your Child to Grow Their Savings](https://www.myhorizoncu.com/teaching-your-child-to-grow-their-savings/) - Over the years, parents teach their children many things. How to grow gardens. How to care for pets. How to be polite and thankful. Even how to prepare simple meals. One important lesson that parents need to teach that often gets overlooked is the importance of saving money. These tips will help parents teach children
- [Start Your New Baby's College Savings Now](https://www.myhorizoncu.com/start-your-new-babys-college-savings-now/) - You recently had a new baby. Right now, you are officially in "new parent mode." You are changing diapers, feeding the baby, and crossing your fingers that you will get the occasional afternoon nap in so you can survive those long sleepless nights when the baby is fussy. You have a lot on your mind
- [How to Teach Kids Savings Goals](https://www.myhorizoncu.com/how-to-teach-kids-savings-goals/) - It’s never too early to begin teaching your children the importance of saving money. Whether they receive tooth fairy money or earn a paycheck at their first job, all are teachable moments that can have a tremendous impact on their future financial lives. Nowadays it’s almost too easy to spend money. Everything you could possibly
- [Go Loans](https://www.myhorizoncu.com/loans/) - Getting around town? Traveling out of town? Extra funds? Need to lower your rate? HCU GO Loans have every thing you need. Auto LoansRecreationalRefinancingTitle Loans AUTO LOANS Whether you’re shuffling the kids from school to soccer or heading out for a family weekend getaway, your vehicle connects you to the things you love. With competitive interest rates,
- [News](https://www.myhorizoncu.com/news/)
- [Why Choose a Credit Union](https://www.myhorizoncu.com/why-choose-a-credit-union/) - 10 Facts About Credit Unions Being a member of a credit union is a coup for your finances for many reasons. Here are just a few facts that make credit unions a great option. Fact #1: President Roosevelt signed the Federal Credit Union Act in 1934 to promote thriftiness and prevent usury during the Great
- [Welcome Home Loans](https://www.myhorizoncu.com/welcome-home-loans/) - Purchases, Seconds, Home Equity & Refinances. Everything a home buyer needs! PurchasesRefinancesHome Equity & Seconds10-15-20 Year HCU MortgagesDown Payment Program PURCHASES Once you have made the decision to buy, you need to know what you can actually afford, so you don’t get in over your head. Looking at your income, along with the amount of down
- [Investments & Insurance](https://www.myhorizoncu.com/insurance/) - GAP InsuranceCredit Life & DisabilityAuto Extended WarrantyAuto & HomeMedicare CU GAP Guaranteed Asset Protection (GAP): If your car is stolen or totaled, most auto insurance policies only cover its Blue Book value, leaving you to pay the difference between what your car is worth, and what you still owe. GAP may cover any remaining balance
- [Home$tart Grant Funds](https://www.myhorizoncu.com/homestart/) - The Home$tart Grant Program promotes homeownership by helping first-time homebuyers purchase a home. $5,000 in Grant funds available to home buyers who have not owned a home in three years May be used for down payment and closing costs in combination with funds from other grant or financing sources Cannot have owned a home in the
- [](https://www.myhorizoncu.com/metlife/)
- [HCU Mortgages](https://www.myhorizoncu.com/hcu-mortgages/) - Our Mortgage Loans are designed to assist members who are looking for a 10 to 20 year amortized mortgage loan. It’s not too late to take advantage of some of the lowest mortgage rates we have ever offered. Save thousands of dollars over the remaining life of your mortgage loan. Our short term low fixed
- [GAP Insurance](https://www.myhorizoncu.com/gap-insurance/)
- [Our Memberships](https://www.myhorizoncu.com/our-memberships/) - Classic Members: If you are in the Classic tier, there are two more levels that you can earn in Membership Rewards. Increasing your combined balance or number of services to two or more, will move your status into Select. Select Members: To be a Select member you will have a combination of e-statements and/or a combined balance of $15,000 and one or
- [The Loan Process](https://www.myhorizoncu.com/loan-process-details/) - Visit any branch and ask about an application, or call 801.451.5064. Once you have completed your application and authorized HCU to pull your credit report, your mortgage request will be submitted to us. Based on the information you have submitted and your credit report, your request will be analyzed through our Automated Underwriting System to confirm you

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## Products

- [Everyday Finances](https://www.myhorizoncu.com/products/everyday-finances/) - Finances play a big part in everyone's life. Let HCU make it a little easier with our everyday finance options. Member Relationships At HCU our members are our greatest asset. We reward members with a program with benefits such as loan discounts and special offers. Simply put, the more services and products you use, the
- [Go LOANS](https://www.myhorizoncu.com/products/go-loans/) - HCU finances automobile and recreational vehicle loans. You’ll get great HCU rates with local, Northern Utah service you know and trust. Getting an On the Go Loan is simple and quick. You can apply online, and even sign online – never having to leave your home until it’s time to pick up your check! Auto LoansRecreationalRefinancingTitle LoansPersonal LoansCredit Cards AUTO
- [Welcome Home Loans](https://www.myhorizoncu.com/products/welcome-home-loans/) - Whether you're a first time home buyer or a seasoned homeowner, HCU can help with your mortgage lending needs. We're part of your local Davis County community and right here in your neighborhood. We want to make sure you get the information you need and the home loan that's just right for you. Request our
- [Insurance & Planning](https://www.myhorizoncu.com/products/investments/) - GAP AdvantagePayment ProtectionAuto Extended WarrantyAuto & HomeMedicare CU GAP ADVANTAGE WITH POWERBUY Guaranteed Asset Protection Advantage (GAP Advantage) protects you against financial loss in the event your vehicle is damaged beyond repair (totaled) or stolen and never recovered by eliminating or reducing the difference between the insurance payment and your loan balance. GAP Advantage with
- [Mobile Banking](https://www.myhorizoncu.com/products/mobile-banking/) - We strive to return as much value to our members as possible. We've invested in technology for online and mobile routine transactions. We encourage all of our members to sign up for our digital banking services. Once you make the choice to go virtual with HCU, you'll be able to complete 90% of your financial
- [ATM Locator](https://www.myhorizoncu.com/products/atm-locator/) - Surcharge-free access to your money, almost anywhere. Co-op's nearly 30,000 ATMs means you have more direct, surcharge-free access to your money than most traditional bank customers do. Find the closest surcharge-free ATM nearest to you here.

## Categories

- [News](https://www.myhorizoncu.com/category/news/)
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## Tags

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- [Debt Consolidation](https://www.myhorizoncu.com/tag/debt-consolidation/)
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- [fixed rate mortgage](https://www.myhorizoncu.com/tag/fixed-rate-mortgage/)
- [Fraud](https://www.myhorizoncu.com/tag/fraud/)
- [Gas Prices](https://www.myhorizoncu.com/tag/gas-prices/)
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- [HELOC](https://www.myhorizoncu.com/tag/heloc/)
- [Holiday](https://www.myhorizoncu.com/tag/holiday/)
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- [Holiday Club](https://www.myhorizoncu.com/tag/holiday-club/)
- [Holiday Gifts](https://www.myhorizoncu.com/tag/holiday-gifts/)
- [Holiday Shopping](https://www.myhorizoncu.com/tag/holiday-shopping/)
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- [Holidays](https://www.myhorizoncu.com/tag/holidays/)
- [Home Equity](https://www.myhorizoncu.com/tag/home-equity/)
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- [home owner](https://www.myhorizoncu.com/tag/home-owner/)
- [Home Renovation](https://www.myhorizoncu.com/tag/home-renovation/)
- [Home Repairs](https://www.myhorizoncu.com/tag/home-repairs/)
- [Home Warranties](https://www.myhorizoncu.com/tag/home-warranties/)
- [Homebuying](https://www.myhorizoncu.com/tag/homebuying/)
- [Identity Theft](https://www.myhorizoncu.com/tag/identity-theft/)
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- [IRA Account](https://www.myhorizoncu.com/tag/ira-account/)
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- [Miles](https://www.myhorizoncu.com/tag/miles/)
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- [Money Market](https://www.myhorizoncu.com/tag/money-market/)
- [Money Market Accounts](https://www.myhorizoncu.com/tag/money-market-accounts/)
- [Money-Saving Ideas](https://www.myhorizoncu.com/tag/money-saving-ideas/)
- [Mortgage](https://www.myhorizoncu.com/tag/mortgage/)
- [Organizing Finances](https://www.myhorizoncu.com/tag/organizing-finances/)
- [Overspending](https://www.myhorizoncu.com/tag/overspending/)
- [Parenting](https://www.myhorizoncu.com/tag/parenting/)
- [Personal Finance](https://www.myhorizoncu.com/tag/personal-finance/)
- [personal loan](https://www.myhorizoncu.com/tag/personal-loan/)
- [Phishing](https://www.myhorizoncu.com/tag/phishing/)
- [PMI](https://www.myhorizoncu.com/tag/pmi/)
- [Points](https://www.myhorizoncu.com/tag/points/)
- [Private Mortgage Insurance](https://www.myhorizoncu.com/tag/private-mortgage-insurance/)
- [Protection against Identity Theft](https://www.myhorizoncu.com/tag/protection-against-identity-theft/)
- [Purchase Protection](https://www.myhorizoncu.com/tag/purchase-protection/)
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- [Retirement](https://www.myhorizoncu.com/tag/retirement/)
- [Roth IRA](https://www.myhorizoncu.com/tag/roth-ira/)
- [Saving for College vs. Retirement](https://www.myhorizoncu.com/tag/saving-for-college-vs-retirement/)
- [Saving Ideas for Parents](https://www.myhorizoncu.com/tag/saving-ideas-for-parents/)
- [Savings](https://www.myhorizoncu.com/tag/savings/)
- [Savings for College](https://www.myhorizoncu.com/tag/savings-for-college/)
- [School-Shopping](https://www.myhorizoncu.com/tag/school-shopping/)
- [Spending](https://www.myhorizoncu.com/tag/spending/)
- [Spending Less](https://www.myhorizoncu.com/tag/spending-less/)
- [Summer Savings](https://www.myhorizoncu.com/tag/summer-savings/)
- [Teaching Kids](https://www.myhorizoncu.com/tag/teaching-kids/)
- [Thrift](https://www.myhorizoncu.com/tag/thrift/)
- [Travelling](https://www.myhorizoncu.com/tag/travelling/)
- [Unclaimed Funds](https://www.myhorizoncu.com/tag/unclaimed-funds/)
- [Vacation](https://www.myhorizoncu.com/tag/vacation/)
- [Vacation Clubs](https://www.myhorizoncu.com/tag/vacation-clubs/)
- [Vacation Planning](https://www.myhorizoncu.com/tag/vacation-planning/)
- [Wish list](https://www.myhorizoncu.com/tag/wish-list/)