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Any eligible person may join Family Horizons Credit Union by opening a savings account. A minimum balance of $5.00 is required to be maintained in your variable rate savings account. This deposit makes you a member/owner of the credit union. You are then eligible to receive the numerous benefits and services the credit union offers. You can open an account at either of our branch offices or by mail. You may also request a signature card to open your account by mail. Future deposits can then be made in person, by mail, or payroll deduction. Direct deposit service is also available. Open your membership account and your no-fee checking account today!
Finally! A checking account that is user-friendly with no fees! A Family Horizons checking account is designed with you, the member, in mind. All credit union members are eligible to open a checking account as long as a $5.00 balance is maintained in your variable rate savings account. There are no monthly service charges and no minimum balance required. In addition, there is no limit on the number of checks you can write each month and no "per check" charge. As an added convenience, Family Horizons offers overdraft protection by transferring funds from your regular savings account or via a Line-of Credit loan to cover overdrafts. All we need is your written pre-authorization. Stop by the credit union today to open your no-fee checking account!
High-yielding certificates offer members an alternative to a traditional savings account. Choose the type and term of certificate that best meets your financial goals. Dividend rates vary depending on the term of the share certificate. Terms range from 90 days to 5 years. A share certificate can be opened with a minimum deposit of $2,500.
Individual Retirement Accounts (IRA's) An Individual Retirement Account (IRA) is a tax-sheltered retirement plan that offers a means of accumulating TAX-DEDUCTIBLE deposits in a savings program with the earnings on those deposits being TAX-DEFERRED until later years. Tax deductibility and contribution limits vary for every person; please consult with your financial advisor for your own personal situation. Use the convenience of payroll deduction to make deposits to a variable rate IRA savings plan and earn a quarterly dividend. The credit union believes an IRA is a wise supplement to social security and any other retirement plan.
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Law and the Equal Opportunity Act. 12 C.F.R. 701.31(d)(1)(i)