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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.

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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

Enterprise Car Sales - Certified used vehicles for sale with no haggle prices, limited powertrain warranty, roadside assistance and 7 day buyback agreement.

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

Student Loans

The Smart Option Student Loan® for Horizons North Credit Union by Sallie Mae® for borrowers attending degree-granting institutions

Now you can pay for college the smart way with three great repayment options and competitive interest rates!

This loan is an ideal solution to help you pay for college expenses not covered by scholarships and federal loans. To learn more or to apply, please get started here.

The Smart Option Student Loan features and benefits:

Multiple in-school repayment options plus a choice of competitive fixed and variable interest rates, providing even more flexibility

  • No origination fee and no prepayment penalty
  • Benefits and an interest rate reduction available
  • Rates that reward creditworthy borrowers
  • Applying with a creditworthy cosigner may help you qualify
  • 100% US-based Student Loan Specialists

To learn more, please get started here

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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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