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4 - Credit Cards | 5 - Member Savings | 6 - Community News | 7 - Employee Corner
Enlighten
SUMMER 2022
2 - Traveling Tips | 3 - Summer Savings
Packing up for your dream vacation? Make sure you remember these tips to stay on budget and help you best prepare for the trip ahead.
Traveling Tips:
Little League Pins Horizon 2022 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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Packing Light: Inflation has increased prices all over. Air travel is no different, and packing light can help you save some extra money for your vacation. Carry-on fees can range between $18 - $50; you’ll pay $25-$50 for your first checked bag, and even more for additional bags. Save money on baggage and be a more efficient packer with these tips: Coordinate pants that you can wear with several shirts and shoes to eliminate extra items. Roll your socks tightly inside your shoes to save space and keep your shoes in shape. Inquire what toiletries are available inside your room. Stick To Budget: Vacation should be a treat without causing stress to your bank account. Stick to your budget. People get souvenir happy, which may exceed your budget along with the space in your suitcase. Preparing your own snacks and meals is cheaper than constantly eating out and may also allow you to eat healthier as well. Credit Card: Credit Cards give you the freedom and flexibility for large and small purchases without emptying your wallet. Picking the right credit card for your trip is key; Horizon’s Cash Back MasterCard rewards you with 3% back on travel purchases such as air travel, dining, Uber and ride sharing, and 1% on all other purchases.
Summer Saving Tips:
Buying Local: The summer season is in full swing! There is no better place than your local farmers' markets for fresh produce. Local farmers offer a fresh variety of produce which, since they are selling directly to consumers, is usually cheaper than you would find at bigger grocery chains. There is no shortage of local farmers in our region which provides you with plenty of options when it comes to choosing fresh fruits and vegetables. Buying from neighborhood farmers not only saves money, it also helps boost the local economy. Using the Air Conditioner when necessary: An air conditioner is your best friend while at the same time your wallet’s worst nightmare. Take advantage of those nights when the temperatures drop to open the windows and enjoy the cool breeze. Consider investing in a smart thermometer which can save you extra money when you are away from your home for an extended period. Drying clothes outside: Using the warm wind to dry clothes is an efficient use of natural resources and is cost-effective in the summer months. Using the Grill: The smell of the grill screams summer! Using an outside grill is a great tool to lower your electricity during the summer. When you use your kitchen stove you are increasing the inside temperature which makes your air conditioner work harder to cool down the house. As a bonus, cooking meat and vegetables on the grill enhances the flavor, allowing you to enjoy your meal while enjoying the weather. Budget Summer Activities: The pandemic drastically reduced events the last two summers. While many are itching to make up for lost opportunities this summer, remember to consider your finances as you are planning your fun. Scheduling events months in advance allow you to create a budget for your fun summer activities. Our area has plenty of playgrounds and state parks which can be a destination for activities like hiking, fishing, biking, and having a picnic. By taking advantage of free activities, you will have more freedom to splurge on those other planned vacations as budgeting won’t be as tight.
Worried about overspending this summer? Follow our summer saving tips to stay on budget and enjoy the sun.
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Having the freedom and flexibility to make small to large purchases anytime and any place means you'll never be without the funds you need. Our Cash Back Card rewards you 3% on select purchases such as Air Travel, Dining, Fitness clubs, Taxi/Ride sharing and Mobile Phone Services, and 1% back on all other purchases. To learn more about which Credit Card fits your financial lifestyle please visit our website at horizonfcu.org or give us a call at 570-326-3636.
Credit Card Advantages
Do you like to take spur of the moment trips in the summer? Need a flexible option that can help create those great memories, without worrying about what is in your bank account? Whether you enjoy cash back, low rates, or just a simple reliable card; Horizon has credit cards for just about anyone.
Flexible Spending with Horizon's Credit Cards
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If Your Loans Are Not With Horizon, You May Be Overpaying Each Month
July 1: Muncy July 7: State College July 8: Lycoming Creek - Williamsport July 14: Third Street - Williamsport July 15: Lock Haven
Contact us today and start saving!
2022 Member Savings $451,033 through June 21
Join us from 11:00am - 1:00pm at each of our branch locations and enjoy hot dogs, chips, drinks and a chance to win a prize.
Hot Dog Days of Summer
Horizon would like to congratulate Avery Campbell from Williamsport Area High School and Kara Stover from Central Mountain Area High School. Both students received $1,000 in scholarship money towards furthering their education. We wish Avery and Kara the best of luck in the future.
Community
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2022 Builders' Home Show
Avery Campbell Williamsport High School
Kara Stover Central Mountain High School
Horizon was the premier sponsor for the West Branch Susquehanna Builders' Association Home Show. Over 2,000 individuals attended the event on April 1st - 3rd. Horizon educated attendees on affordable options to finance home improvement projects, as well as the benefits of joining a credit union.
John Sharp Scholarship Winners
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Please join us in welcoming the following new team members to Horizon! Susan Anderson - Member Service Representative, Third Street Alaina Miller - Financial Services Representative, Third Street Kyra Svidro - Member Service Representative, Lycoming Creek Ashley Watts - Financial Service Professional, Third Street
Melissa Confer; Lock Haven Dina Proper; State College
Each month, Horizon recognizes employees for going above and beyond. These brand ambassadors best exemplify Horizon's core values.
We believe our staff is Horizon's greatest asset. We strive to develop our team to advance their career with the Credit Union. Please join us in congratulating the following team member for his new role at Horizon:
Employee Corner
New Employees
Promotions
Dominique Rhine Senior Lending Professional
Rayne Burgin - Lock Haven Branch Melissa Confer - Lock Haven Branch LeAnna Harter - Lending Kurt Keeler - Account Solutions Terri Musheno - Mortgages Ronna Onufrak - Muncy Branch
Lock Haven Branch 217 West Bald Eagle Street Lock Haven, PA 17745 Lycoming Creek Branch - Williamsport 1930 Lycoming Creek Road Williamsport, PA 17701 Muncy Branch 867 Lycoming Mall Drive Muncy, PA 17756 Third Street Branch - Williamsport 1007 East Third Street Williamsport, PA 17701 State College Branch 2541 East College Ave State College, PA 16801 horizonfcu.org 570-326-3636
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Important Dates Monday, July 4 - Independence Day (closed) Monday, September 5– Labor Day (closed) Monday, October 17th– Columbus Day (closed) Friday, November 11th- Veterans' Day (closed) Thursday, November 24th- Thanksgiving (closed) Friday, November 25th- Black Friday (closed)
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