Personal Banking Services
Horizon Credit Union offers you the best in financial services. We offer many options available for deposit accounts, savings accounts, investment options, convenient card products, obtaining credit, and you can rent a safety deposit box to keep your valuable papers and possessions in. All of this combined with convenient technology applications that keep you in touch with your financial business no matter where you are and when it is convenient to you. These are all benefits of being a member of Horizon Credit Union.
For a copy of the Terms & Conditions of a Horizon Credit Union personal account, please click here: Terms & Conditions – Personal
Deposit accounts include:
- CHEQUING AND SAVINGS ACCOUNTS
- MAXIMIZER (Interest Bearing Chequing)
- PLAN 24 (Daily Interest Savings)
- U.S. DOLLAR MAXIMIZER (Interest Bearing Chequing)
At Horizon Credit Union, we are here to help you grow and protect your assets, by offering:
- Terms and other various investment products.
- Loans, Overdraft protection, Lines of Credit, Mortgages, Conventional Mortgages, Builders and Construction Mortgages, and First Time Home Buyers eligibility mortgages, all with availability to get a no prepayment penalty option.
- Financial planning to help you to plan for your future or your retirement.
- Trust Accounts and Registered Education Savings to help you save for your child’s education or other needs.
We also have a full line of Card Products to meet your needs: Click Here to see our Card Products
And we offer convenient access to your accounts.
- Horizon Credit Union is committed to putting you first, we want to protect you and your family. We have credit insurance options that are designed to provide you and your family complete financial protection.
- No need to look anywhere else – Horizon Credit Union can provide you with all of your financial services. If you are looking for any financial services or advanced investments or lending, Horizon Credit Union has a full team of professionals to help you.
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.