Business Details
50+ Years
experience
Your Trusted Community Credit Union in Farmington, UT
Horizon Credit Union (HCU) has served members for over 60 years as a member-owned, not-for-profit financial institution. Guided by the philosophy of people helping people, we prioritize community impact over shareholder profits, returning earnings to members through competitive rates, reduced fees, and enhanced services. Our team of financial experts delivers personalized solutions, including loans, mortgages, investment options, and digital banking tools, tailored to meet diverse financial goals.With $185 million in assets and a presence across Davis, Weber, and Morgan counties, we combine institutional strength with localized care. Our commitment to financial education and community initiatives, such as the Warm the Soles program, underscores our dedication to fostering long-term member success and regional well-being.
Services
Auto Loans
Mortgage Loans
Mobile Banking
ATM Network
Investment Services
Details
- Year established: 1956
Highlights and features
- We are a member-owned credit union focused on community financial wellness.
- Our not-for-profit model returns profits to members through lower fees and better rates.
- We offer personalized financial solutions with local decision-making authority.
- Our team provides expert guidance on loans, investments, and digital banking tools.
- We actively support community initiatives like Warm the Soles for local youth.
Associations and certifications
- NCUA
Services
Auto Loans
HCU offers competitive auto loans with rates starting at 4.840%*. Our streamlined application process allows online approval and electronic signing, ensuring quick access to funds. Members benefit from personalized guidance to find the right financing solution for new or used vehicles.
Mortgage Loans
Our mortgage lending services cater to first-time buyers and experienced homeowners. Local decision-making enables tailored loan options with community-focused terms. We provide educational resources to help members navigate the home-buying process confidently.
Mobile Banking
HCU's mobile app enables 24/7 account management, including bill payments, fund transfers, and card security features. The user-friendly platform supports remote check deposit and real-time transaction monitoring, enhancing convenience and financial control.
Investment Services
We provide diversified investment options through a secure digital portal, including cryptocurrency and securities trading. Members receive personalized advisory services to develop strategies aligned with long-term financial goals and risk tolerance levels.
Financial Education
HCU offers free credit report access, budgeting tools, and financial literacy resources. Our advisors provide one-on-one consultations to address debt management, savings planning, and investment education for improved financial wellness.
Questions
Who is eligible for Horizon Credit Union membership?
Membership is open to Davis County School District employees, their family members, and individuals affiliated with partner organizations. Others can join by enrolling in the Financial Fitness Association at no cost.
What loan types does HCU offer?
We provide auto loans, RV loans, mortgage loans, and personal loans with competitive rates. Our lending specialists help members choose appropriate terms and repayment options tailored to their financial situation.
How can I access my account securely?
Use our mobile app with HCU Card Defense for real-time security alerts, or log in through our website for 24/7 access to account management, bill payments, and transaction monitoring.
Does HCU support local community initiatives?
Yes, we actively participate in programs like Warm the Soles, providing shoes to under-served youth, and partner with local nonprofits to address community needs in Davis, Weber, and Morgan counties.
What investment options are available?
Members can trade cryptocurrencies, stocks, and securities through our digital investment portal. Our advisors offer personalized guidance to develop diversified portfolios aligned with individual financial goals.
Reviews (5)
C. B.
Jan 28, 2022
Report
First bank account when I was 12. This place has been going down hill for ages. Not only do the employees not know what they are doing, but I received charges for doing nothing. Thankfully I left this company for desert first.
Mikayla J.
Jun 03, 2021
Report
Been a member for decades. The recent policy changes have them treating you like a statistic and not a member. This is no longer a credit union that will work with you or offer customer service in these difficult times. Take your money elsewhere.
Austin Flint
May 01, 2021
Report
*UPDATE*
The employee who is in charge of the titles called me to inform me that the title had been sitting in the tellers booth since the first day I went into the branch to pay off the loan and pick up. It was a misunderstanding by the teller who was supposed to give me the title. I have the title in hand now, and all is well again. The original content of my review is still relevant and I will leave it here for people to read in hopes that it will save somebody the hassle I went through. I have changed my rating from one star to three stars since, overall, my experience with the credit Union
The employee who is in charge of the titles called me to inform me that the title had been sitting in the tellers booth since the first day I went into the branch to pay off the loan and pick up. It was a misunderstanding by the teller who was supposed to give me the title. I have the title in hand now, and all is well again. The original content of my review is still relevant and I will leave it here for people to read in hopes that it will save somebody the hassle I went through. I have changed my rating from one star to three stars since, overall, my experience with the credit Union
Grant Handy
Aug 15, 2020
Report
I have used Horizon credit union for several of my auto loans. During those transactions, I was always treated with respect. The branch employees are from my community and you could see that they cared about me and all their members. They acted with integrity as they worked with me to get the best rates and loans that fit my needs. I have recommended them to my friends and colleagues.
Alan Hozian
Aug 09, 2020
Report
I've been banking with Horizon CU for 10 years or so and a recent visit prompted me to write this review. From the very beginning, when I got my first vehicle loan though them, I was impressed with the organization. If there were any problems I could trust that it would be resolved very quickly. With the dozens of employees that I have interacted with over the years, from loan officers, tellers, and yes, even the tv monitors on their ITMs, they have always been very professional and respectful. Since that first loan, my family members and I have had close to a dozen vehicle and personal loans with
