Card Products

Horizon Credit Union has a full line of card products to meet your individual and business needs, as well as the needs of our agriculture members. Our cards offer a secure and safe way to make purchases without having to carry a lot of cash or cheques and are hassle-free. The variety of card products are designed with your personal, agriculture and business lifestyles in mind. While doing business at home or traveling abroad, with one or a combination of our cards, there is no need to worry about the risks associated with carrying cash. 

Important Phone Numbers:


24 hour Lost or Stolen Card Assistance WITHIN CANADA & Continental USA

MEMBER CARD® debit card: 1-888-277-1043

24 hour Lost or Stolen Card Assistance OUTSIDE OF CANADA & Continental USA

MEMBER CARD® debit card: 1-888-277-1043


Horizon Credit Union now has NEW MEMBER CARD® debit cards equipped Interac Flash® technology allowing you to pay for everyday purchases quickly, securely and conveniently!

NOTE: If you are receiving a new MEMBER CARD® debit card, the card will come in the mail first, followed by the PIN a few days later. You can change your PIN at any Canadian credit union ATM that displays the ACCULINK® symbol or drop by a Horizon Credit Union branch.

If your new MEMBER CARD® has the same number as your old one, you can continue using your existing PIN – you will not need to change it.

The Interac Flash® service is a contactless payment with the functionality of Interac® Debit, and has all the benefits of Interac® Debit but it allows you to pay for smaller purchases faster and easier. When making a purchase for less than $100, you can choose to use the functionality by simply holding your card in front of a supporting reader at a check out. Your purchases will be deducted instantly from your bank account. The transaction uses chip processing and relies on the same secure network as your Horizon Credit Union debit card – no need to insert your card or enter your PIN.

As an additional layer of security, the cards have a cumulative limit and once reached, insertion of the card and entering your PIN will be required to process the transaction. After that, more transactions may be processed as “contactless” transactions until the limit is again reached. Interac Flash® technology is built using the highest security available for contactless payments protecting it from electronic pickpocketing attacks.

Your new Horizon Credit Union MEMBER CARD® debit card, featuring the Interac Flash® service is another way we are working to provide you with secure, simple, and convenient services. Please contact your local branch if you have any questions or require assistance. 

You can also view our member FAQ page by CLICKING HERE.

MEMBER CARD® debit card  is the multipurpose transaction card for accessing your account. 

You can access your credit union accounts to withdraw cash at any cash machine around the world displaying the INTERAC® logo or CIRRUS® logo. Plus, as a credit union member, you can use it at more than 2,000 “DING FREE” ATMs to withdraw cash, make deposits, and check balances, all without paying a single penny in surcharges! You can pay for purchases from your account instead of using cash, at any retail location worldwide displaying the INTERAC® Direct Payment symbol. When you use your MEMBER CARD® the transaction amount is immediately debited from your account.

Your transactions are reported on your statement and can be reviewed on MemberDirect® online banking, mobile banking as well as telephone banking. This card number along with a personal access code gives you access to MemberDirect® online banking, where you can use the many features to view transactions, create additional savings accounts for your personal convenience, pay bills, sign up for or view your eStatements, transfer money through eTransfer, and use Mobile Banking.

Protect your PIN: As with a mag-stripe card, if someone obtains/steals your chip card and has your PIN — or if you lose your wallet/purse and your PIN is written down in it somewhere — they will be able to make purchases and withdraw funds from your account. In other words, keep doing the things you do now to keep your card and your PIN safe.

For more information or questions regarding our card products please contact us.

®MEMBER CARD & Design are registered certification marks owned by Canadian Credit Union Association, used under license.
®INTERAC is a trademark of Interac Inc. Used under license.
®CIRRUS is a registered trademark or service mark of MasterCard Worldwide or its subsidiaries in Canada.
®MemberDirect & Design are registered trademarks owned by Canadian Credit Union Association, used under license.

All trademarks are the property of the registered owners.

Agriculture Services

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.


Card Convenience

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.

AgriInvest Accounts

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, 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

Visit 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.

Personal Cards