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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)

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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Auto Loans


Share Secured Loans

  • Loan limit tied to share savings account balance
  • Provides best interest rate on a secured loan
  • Flexible repayment terms
  • 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 $15,000 (Depending on credit approval)
  • Flexible repayment terms

Student Loans


Wherever you are in your higher education, Get the money you need for school


Whether you’re an undergraduate, graduate student, or parent, Get money for school from Sallie Mae®
Sallie Mae® higher education loans are designed for the needs of undergraduates, graduate students, and parents.

  • Competitive interest rates 
  • Multiple repayment options 
  • No origination fees; no prepayment penalty1

Student loans for Horizons North Credit Union by Sallie Mae®
Smart Option Student Loan® for Undergraduate Students
Parent Loan

Plus, a suite of graduate loans to pay for expenses included in your school's cost of attendance and designed for your specific degree

Find out which loan is right for you

Borrow responsibly

We encourage students and families to start with savings, grants, scholarships, and federal student loans to pay for college. Students and families should evaluate all anticipated monthly loan payments, and how much the student expects to earn in the future, before considering a private student loan.

These loans are made by Sallie Mae Bank or a lender partner. Horizons North Credit Union is not the creditor for these loans and is compensated by Sallie Mae for the referral of loan customers.

Smart Option Student Loan and graduate loan products: This information is for borrowers attending degree-granting institutions only. Smart Option Student Loan information is for undergraduate borrowers only. You must be attending a participating school located in the U.S. or have attended one during an eligible prior enrollment period. You must be a U.S. citizen or a permanent resident or a Non-U.S. citizen borrower with a creditworthy cosigner (who must be a U.S. citizen or permanent resident) and required U.S. Citizenship and Immigration Service (USCIS) documentation. U.S. citizens and permanent residents enrolled in eligible study abroad programs or who are attending or have attended schools located outside the U.S. are also eligible. For the Dental School Loan, Law School Loan, MBA Loan, and Medical School Loan, students must be enrolling in a graduate-level degree program in a field of study that is eligible for the loan and Graduate Certificate/Continuing Education coursework is not eligible. Applications are subject to a requested minimum loan amount of $1,000. Current credit and other eligibility criteria apply.

Parent Loan: This information is for borrowers with students attending degree-granting institutions only. The student is not eligible to be a borrower or cosigner and must be attending or have attended a participating school during an eligible prior enrollment period, or be enrolled in an eligible study abroad program. The borrower, cosigner and student must be U.S. citizens or permanent residents. The school may refund loan funds directly to the student, and if that occurs, borrower and cosigner (if applicable) would still be responsible for repaying that amount to Sallie Mae. Applications are subject to a requested minimum loan amount of $1,000. Current credit and other eligibility criteria apply.

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1 Although we do not charge you a penalty or fee if you prepay your loan, any prepayment will be applied as provided in your promissory note: First to Unpaid Fees and costs, then to Unpaid Interest, and then to Current Principal.   SALLIE MAE RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS, SERVICES, AND BENEFITS AT ANY TIME WITHOUT NOTICE. © 2018 Sallie Mae Bank. All rights reserved. Sallie Mae, the Sallie Mae logo, and other Sallie Mae names and logos are service marks or registered service marks of Sallie Mae Bank. All other names and logos used are the trademarks or service marks of their respective owners. SLM Corporation and its subsidiaries, including Sallie Mae Bank, are not sponsored by or agencies of the United States of America. 

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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Spring 2023

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