It has been a busy few months at Horizon. We have been preparing for the opening of our two new branches in Muncy and on Lycoming Creek Road in Williamsport. We have welcomed eight new engaging and energetic individuals to our team, who are excited to serve our members. Both branches are anticipated to open later this summer. We are also finalizing an operational merger with State College Federal Credit Union. This October, they will be converting to a new system, relocating to a tremendous new location, and opening their doors as Horizon Federal Credit Union! At that time our members who travel to the State College area will be able to conduct transactions at that branch. Effective August 6, our branch hours will change on Fridays to better serve our members. Both the lobby and drive-thru will open at 9:00am and close at 6:00pm. As COVID restrictions lessen throughout the commonwealth, we look forward to resuming our community involvement through event participation, financial literacy workshops, and volunteer efforts.
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4 - Loan Refinance | 5 - Mortgages | 6 - Community News | 7 - Employee Corner
Enlighten
SUMMER 2021
2 - Vacation Financial Checklist | 3 - Job Interview Tips
Before you pack up the family to head for your perfect destination this summer, it is important to create a checklist to ensure your finances are protected and in order while you are away.
Vacation Financial Checklist
Little League Pins Horizon 2021 Little League Pins are available through the month of August, while supplies last. Members can purchase pins for just $5 each. Proceeds benefit our John Sharp Scholarship.
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Automate bill payments. You can schedule utility or merchant payments in advance, or setup recurring payments using Online Bill Pay. Pack your VISA Debit Card. Using a debit card is more secure than carrying cash, and is accepted by every merchant who accepts VISA. If you require cash, you can use your card to withdraw at over 35,000 surcharge-free ATMs nationwide. Consider applying for a credit card. Our Cash Back MasterCard pays you 3% cash back on common travel expenses such as air travel, taxi/ride sharing, dining, and more. It also offers 1% cash back on everything else. Need a little extra time to pay off your bill? Consider our Low Rate MasterCard which offers one of the lowest rates available. Download the Horizon My Control App to manage, safeguard, and control your debit and credit cards. You can set travel notifications, lock and unlock your card, set spending controls, and more.
Job Interview Tips to Make a Great Impression
Be Punctual. Plan to arrive 15-20 minutes prior to the scheduled time. If you are unfamiliar with the area, map out your travel a few days before to avoid any obstacles to arriving on time. Dress Appropriately. Appearance is the first thing recruiters notice. Professional dress is always encouraged for an interview, even if company employees dress business-casual. For more conservative company settings, be mindful of visible body piercings, tattoos, and hairstyles. Take Notes. The recruiter and hiring manager will be taking notes; so should you. Write down important information such as salary and benefits, dress code, dates, hours, etc. Turn Off Cell Phones. Nothing ruins an interview like the loud ringing of a cell phone, especially if your ring tone is a song snippet. Even loud vibration can be distracting. Your best bet is to leave your phone in your car or turn it off completely. Ask Questions. In an ideal job situation, you are interviewing the company as much as they are interviewing you. Prepare a list of questions to ask if the recruiter doesn’t bring it up first. Asking questions shows you have a heightened interest in the position. Follow-up. Send a quick email no later than the next day to thank the recruiter and hiring manager for their time, and let them know you are excited of the opportunity of working for them.
Recent high school and college graduates are ready to enter the job market. After finding your ideal position and polishing up your resume, make sure you're ready for the interview. The job interview is your opportunity to showcase your personality and skills required to excel at the position. Here are some tips to follow to make a great impression:
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Embark on Your Financial Journey with Horizon! At Horizon, we know managing finances can be challenging, especially for teens and young adults just realizing financial independence.
That’s why we created Embark, a program designed to help you navigate your financial journey. Our suite of products, services, and financial literacy resources help you experience a brighter financial future. Visit www.horizonfcu.org/embark to learn more!
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Refinance your existing loans at Horizon and Save!
You May be Paying Too Much Each Month on Your Loans
While mortgage refinancing is a popular topic of discussion, most people don't realize they can refinance other loans they have such as auto, home equity, and personal loans. Refinancing existing loans is quite easy, and there is a potential to save a considerable amount of money. Through the month of May, Horizon members have saved over $700,000 this year by refinancing an existing loan from another financial institution to a better rate loan at Horizon! Experience a brighter financial future by lowering your existing monthly payments today. Our friendly, Horizon professionals can discuss options to either lower your monthly payment, reduce the term of your loan, and possibly even both! Contact us at 570-326-3636 or stop by one of our branches to see if you can save money by refinancing your existing loans to a new loan at Horizon.
In the market for a new home? Inventory is scarce, and the competition for homes is fierce. Before you begin your search, getting pre-approved for a mortgage is essential. Many real estate agents won’t even allow home buyers to tour their listing if the buyers don’t show up with a pre-approval letter from a reputable mortgage lender. At Horizon, our dedicated and local mortgage professionals will discuss your individual needs and match you with the mortgage option that’s best for you. Unlike large, online mortgage brokers, Horizon’s professionals know the local realtors and market. We’ll be there to guide you every step of the way to ensure your experience is smooth, straightforward, and rewarding.
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Contact us today to learn more and get started!
Mortgage Loans
Terri Musheno NMLS# 754052 570-560-7178 tmusheno@horizonfcu.org Savanna Pick NMLS# 1443511 570-932-0918 savanna.pick@horizonfcu.org
With a mortgage through Horizon, you can enjoy many benefits, including: Free Pre-Approval. Flexibility through our Less-Than-Perfect Credit Programs. First Front Door Program: An amazing program that may provide up to $5,000.00 in grant funds to first-time home buyers. An array of programs to fit your needs from Conventional Fixed-Rate Mortgages, FHA, VA, USDA, and more! Low introductory rates on Adjustable-Rate Mortgages. Convenient Refinancing for Existing Mortgages.
Congratulations to Horizon's 2021 John Sharp Scholarship recipients. McKenna Fox from Sugar Valley Rural Charter School, and Michael Fisher from Williamsport HS both received $1,000 to help offset the cost of their college expenses.
McKenna Fox
Community
Horizon hosted our annual Shred Day events in May, providing the community an easy way to securely destroy sensitive documents. Shred It was on site, along with live radio remote broadcasts by WILQ 105.1 (Williamsport) and BEAR 99.9 (Lock Haven). Over 2200 gallons , equaling 3.25 tons of documents were shredded at our two locations.
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2021 Builders' Home Show
Congressman Fred Keller visits with Horizon Hedgehog at the Home Show
Michael Fisher
Horizon was the premier sponsor for the West Branch Susquehanna Builders' Association Home Show. Over 2,000 individuals attended the event April 9-11. Horizon educated attendees on affordable options to finance home improvement projects , as well as the benefits of joining a credit union.
John Sharp Scholarship
Community Shred Days
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Please join us in welcoming the following new team members to Horizon! Rayne Burgin; PT MSR, Lock Haven Branch Corryn Confer - FSP, Third Street Branch Weslee Delker - Branch Manager, Third Street Branch Tatum DeTato - MSR, Third Street Branch Ron Garrison - Director IT & Facilities Tammy Ruhl-Bauman; FSP, Lock Haven Branch Amanda Simmons - PT MSR, Lycoming Creek Road Branch Zenna Taylor - PT MSR; Third Street Branch
Megan Wheeler Branch Manager Lycoming Creek Rd
Melissa Confer; Lock Haven Dina Proper; State College
Paige McHenry Financial Service Professional Lycoming Creek Rd
Each month, Horizon recognizes employees for going above and beyond. These brand ambassadors best exemplify Horizon's core values.
New locations created tremendous promotional opportunity for employees. Please join us in offering congratulations and wishes of good luck to the following team members:
Jade Bloodgood Branch Manager Muncy
Employee Corner
New Employees
Promotions
Lock Haven Branch 217 West Bald Eagle Street Lock Haven, PA 17745 Lycoming Creek Road Branch - Williamsport (Opening Soon) 1930 Lycoming Creek Road Williamsport, PA 17701 Muncy Branch (Opening Soon) 867 Lycoming Mall Drive Muncy, PA 17756 Third Street Branch - Williamsport 1007 East Third Street Williamsport, PA 17701 horizonfcu.org 570-326-3636
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Important Dates Monday, July 5 - Independence Day Observed (closed) Monday, September 6 – Labor Day (closed) Friday, October 1 - State College Conversion weekend Monday, October 4 - State College Conversion completed Monday, October 11 – Columbus Day (closed)
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