Account Create allows existing credit union members with Internet Banking access the ability to open accounts entirely online!
You can quickly and easily create a new deposit account through Internet Banking, however, please review the following important information and contact your credit union if you have any questions.
Terms and Conditions – the terms and conditions of the new account are the same terms and conditions that have been provided to you when opening an account through your credit union. If you would like a copy of the Agreement please contact the credit union.
Signature Card – the credit union will use the existing Personal Account Opening and Specimen Signature Agreement, Financial Services Agreement, Membership Application and Agreement, or other similar membership and/or account opening documentation currently on file.
Single Account – when you open a new account through Internet Banking, the account is in your name only. You will be the sole owner of the account, and no other person will have access to the account even if other accounts you have with the credit union are jointly held with another person(s). If you wish to make this account joint with another person(s), please contact or visit your credit union.
Rights of Survivorship – since you are the sole owner on the account you are opening, there is no rights of survivorship designated on this account. Please contact or visit your credit union to discuss rights of survivorship options for this account.
Beneficiary on Registered Accounts – if you have a named beneficiary on your existing registered accounts (register retirement savings RSP, registered income fund RIF, tax free savings account TFSA), the named beneficiary will apply to the subsequent registered account you are opening. Please contact us if you have any questions regarding your named beneficiary on your registered account.
To begin, login into Internet Banking and select “Open an Account”.
If you haven’t signed up for Internet Banking yet, contact us to get your Personal Access Code.
We offer farmers and ranchers special accounts with convenient delivery to meet the day to day financial operations requirements. Our technology allows farmers and ranchers easy access to their accounts from wherever they are through our many online access applications. We help with education and planning to meet your long term goals. If it is investing, borrowing money for your operation, succession or other financial planning issues, Horizon Credit Union is here to lend a helping hand.
To assist in meeting your agricultural needs, Horizon Credit Union provides the following services:
Farm & Business Accounts
Click here to view our account options.
Horizon Credit Union offers a full line of card convenience for Ag Business. Our MemberCard debits your account direct so no worry about a monthly bill. You can also choose from a family of MasterCard Credit Cards that best suit your business.
Today’s world offers many types of investment. Each type of investment provides different opportunity to grow, earn income, and has different tax consequences. Horizon Credit Union offers many types of investments for both registered and non-registered investments to meet individual and agriculture business owner financial goals.
An AgriInvest Account helps producers manage small income declines. Each year, producers can make a deposit into an AgriInvest account and receive a matching contribution from federal and provincial governments. Producers have the flexibility to withdraw the funds at any time to cover small margin declines or for risk mitigation and other investments.
AgriInvest is part of the Growing Forward suite of federal-provincial-territorial Business Risk Management programs. Growing Forward is a commitment to Canada’s agriculture sector that’s focused on achieving results, reflects input from across the sector, and delivers programs that are simple, more effective and tailored to local needs.
To learn more about AgriInvest, visit the program website at www.agr.gc.ca/agriinvest, call AAFC toll free at 1-866-367-8506, or inquire at any Horizon Credit Union Branch at Melville, Grayson, Grenfell, Neudorf or Wolseley.
Loans and Leasing
Everyone has different needs and financial strategies for their farm or ranch. Each farm or ranch operation requires a different financial structure. That is why Horizon Credit Union has many different loan or lease options available to you. Our professional lending staff work with you on an individual basis, providing practical information and tools to design loans especially to meet the needs for your operation. For operating funds or if you are expanding your farm or ranch, Horizon Credit Union offers a variety of loan and lease options, farm mortgages and loans under the The Farm Improvement and Marketing Co-operatives Loans Act (FIMCLA).
FIMCLA increases the availability of credit to farming operations and farmer-owned marketing co-operatives to improve farm assets and strengthen production and financial stability. It encourages the provision of intermediate term debt to farmers for the improvement and development of their farming business in order to maintain an efficient agriculture production capability. Individuals, partnerships, corporations or co-operative associations actively engaged in farming and operating the farm as a business with the intent to making a profit are eligible to apply.
Wealth Management Services
The team of professionals in our Wealth Management department help you achieve financial goals at every stage of your financial life cycle. This starts with building assets, protecting what you have built, planning for retirement and even transferring assets to beneficiaries through effective estate planning.
With the convenience of electronic access to your accounts or our personal service branch locations at Melville, Grayson, Grenfell, Neudorf and Wolseley, having Horizon Credit Union as your financial institution makes good sense.