Welcome Home Loans

Purchases, Seconds, Home Equity & Refinances. Everything a home buyer needs!



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 payment you’ll have, can give you a realistic idea of the price range you should consider. Give us a call and we’ll help you find that magic range. And click below to understand the loan process and what you can expect.

Considering Homeownership?

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If you are a homeowner, we offer loan options that can help you achieve your goals, realize milestones, or simply consolidate debt to save money.

There are a lot of great reasons to refinance your home, including the fact that you may get better interest rates or lower monthly mortgage payments. You could get cash for home improvement projects, or reduce your loan term. Find out more about refinancing in our education center: Mortgage Refinancing.

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Home Equity & Second Mortgages

Home equity lines of credit (HELOC’s) lets you use the equity in your home in a number of ways. Once a line of credit is opened, draws are made on an as needed basis. The balance can be paid down and re-used multiple times over the life of the line of credit.

A Second Mortgage is a loan with a set amount and most often a fixed interest rate and payment. You can use a second mortgage for home improvements, education, travel and even debt consolidation. In addition, the interest may be tax deductible, consult your tax adviser for questions.


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10 Year – 15 Year – 20 Year HCU Mortgages

Refinance your current mortgage or purchase your new home with Horizon Credit Union and save thousands of dollars over the remaining life of your mortgage loan.  Our short term low fixed rate 10, 15 or 20 year loan is designed to meet the needs of those who want to accelerate the payoff of their home.

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Home$tart Grant

Buying your first home is an important milestone in your life. Here at Horizon Credit Union, we understand that finding the right financing plan is as important as finding a home that fits your lifestyle.

Horizon Credit Union is committed to providing accessible and feasible financial resources and mortgage products to first-time homebuyers. If you are considering buying a home, click here for a quick overview of the process: Considering Home Ownership. When you are ready, contact one of our knowledgeable mortgage loan officers to determine if you are eligible for a  Home$tart grant and to begin your application process.

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Term APR* as low as
36 Months 1.740 %
48 Months 2.450 %
60 Months 2.450 %
72 Months 2.740 %
84 Months 3.740 %

First Mortgage Rates

Term Rate APR* as low as
Conventional – 15 Years 2.500 % 2.869 %
Conventional – 30 Years 2.750 % 2.952 %

Home Equity Rates

Term APR* as low as
Line of Credit (Variable Rate) Call for rate
Loan (Fixed Rate) Call for rate

Large Recreational Vehicle Loans

Term APR* as low as
48 Months 5.490 %
60 Months 5.490 %
72 Months 5.690 %
84 Months 5.990 %
120 Months 6.090 %
(Motor Homes, Truck Campers, Travel & Folding Trailers, Boats)

Small Recreational Vehicle Loans

Term Rate
48 Months (90% LTV) 5.240 %
60 Months (90% LTV) 5.240 %
72 Months (90% LTV) 5.440 %
48 Months (100% LTV) 5.490 %
60 Months (100% LTV) 5.490 %
72 Months (100% LTV) 5.690 %
(Motorcycles, Motorized Personal Water Craft and Snowmobiles)


Transaction Type Fixed APR* as low as
Balance Transfers 12.900 %
Cash Advances 12.900 %
Purchases 9.900 %
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Personal Loans

Term APR* starting as low as
36 Months 8.750 %
48 Months 9.500 %
60 Months 9.750 %

Share Secured

Term APR* as low as
Variable Rate 3.050 %


*APRs (Annual Percentage Rate) are accurate as of today and are subject to change at any time without prior notice. Please contact HCU for current rates.  Loan rates are ‘as low as’ and are based on member eligibility, credit history and term of loan. Rates are subject to change at any time without prior notice. Restrictions may apply.
**APYs (Annual Percentage Yield) Rates are subject to change without notice. Call to verify current rates. Interest on certificates is paid to shares or to the certificate. If not notified within 10 days of the date of maturity, share certificate will automatically renew at the current rate. The interest rate will remain the same for the term of the deposit. A penalty will be imposed for early withdrawal. Fees may reduce earnings.

First Time Home Buyer

If you’re a newbie to the world of home loans, check out the resources and information we have for first-time home buyers. You can familiarize yourself with the process, learn about one-time vs. ongoing costs, and find out how to improve your credit rating before you apply for a loan.

A lot goes into getting a loan for your dream home.  Take our Considering Homeownership Course and look for your first home armed with knowledge and confidence.

We also offer financial education for buyers that will familiarize you with the process and help prepare you for home ownership.

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The Loan Process

There are a lot of things to think about when you are getting ready to buy a home. Questions like, “Am I really ready to buy a home?” or “How much mortgage can I afford?” are common, as are concerns about the amount of documentation you will need to provide with your mortgage application. But the silver lining is: we do this every day.  You can rest assured knowing we will help make the process easy and understandable for you. Knowledge is power and being an informed buyer will give you the power to find the home you want with a loan to get you there. Find out what you’ll need before you apply for a home loan using our Considering Homeownership and Mortgage education modules. When you have all of the materials listed on the Purchase Checklist gathered, just follow these simple steps for getting pre-qualified for a home loan.

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