Consumer Loans

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What Can Our Loans Do For You?

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Let your home work for you with a Home Equity Line of Credit. Refinance your vehicle loan that you have with another financial institution for lower monthly payments! Because we are a credit union, Horizons North can offer you lower rates on all types of loans. Our friendly loan officers work directly with you to find the best program for your needs. Whether you're looking to take a vacation, make home improvements or buy a new car, Horizons North Credit Union will help you find just the right loan.

Online Payment Center

You can use the Payment Center to quickly and securely make your loan or credit card payments using funds from another checking or savings account, or using an alternative credit card.

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Home Equity Lines of Credit

  • Line limits up to 90% of home value (Depending on credit approval)
  • Interest paid may be tax-deductible (Consult your tax advisor)
  • Provides cash for any purpose (i.e. vacations, home improvements, debt consolidation, etc.)

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Home Equity Loans

  • Fixed monthly payments
  • Guaranteed rate for the term of the loan
  • Protection from rising interest rates
  • Five year, 10 year and 15 year terms available
  • Interest may be tax-deductible (Consult your tax adviser)

Auto Loans

AutoTrek is HNCU's trusted auto buying partner. They'll help save you time and money on your next NEW or USED vehicle purchase. Visit the Auto Resource Center for help with researching your next vehicle.

Auto Trek 

Vehicle Extended Warranty

A Route 66 Extended Warranty protects your investment from expensive mechanical breakdowns, but it also comes with a $0 deductible, 24/7/365 Roadside Service, rental car benefits, 30-day money back guarantees, nationwide coverage, and is fully transferable.

With the Route 66 Extended Warranty's Open Enrollment you don't have to purchase your warranty when you financed your auto loan with HNCU, but at any time during the life of the vehicle.

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Overdraft Lines of Credit

  • Provides emergency funds to cover checking transactions
  • Unlimited draw period, as long as checking account is open
  • Automatic payment deducted from checking account


Share Secured Loans

  • Loan limit tied to share savings account balance
  • Provides best interest rate on a secured loan
  • Repayment terms up to 60 months
  • Savings account earns interest throughout the term of the loan

Unsecured Loans

  • Loan approval based on member's signature qualifications (income, credit and character)
  • Loan may be used for any purpose
  • Loan limits up to $10,000 (Depending on credit approval)
  • Repayment terms up to 36 months

All loans require a completed loan application and approved credit. Some restrictions may apply. Please refer to the Membership & Account Agreement, Truth-in-Savings Disclosures, Loan Agreements and Fee Schedule for specific account requirements and restrictions.

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