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| 5 - Home Buyers Seminar | 6 - Community News | 7 Employee Corner
Enlighten
FALL 2022
2 - Holiday Savings | 3 - Home Equity Loan | 4 - Holiday Shopping with Credit Cards
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Holiday Savings
Do-It-Yourself Costumes: The Halloween season does not have to be about fancy, flashy, and expensive costumes. Create your own costumes at home. Not only will it save money, it will also provide a fun family activity. Dine-In: Family and friends are in town, and everybody wants to meet up. Instead of going out for dinner or drinks, host a get together at home. Have everyone bring their favorite dish or beverage; this helps save money and provides more quality time together. Stick to a Budget: Plan out your spending expenses down to the cost of each meal. Compare prices online to ensure you are getting the best deal while saving a trip to each store. Shop ahead: Procrastination is one of the main causes of stress and financial struggles during the holidays. Waiting until the last second to buy food or gifts can put yourself in a financial burden, and provides little to no time to find alternative prices or options for your loved ones. Holiday Travel: Check out early-morning flights. While it may be a drag to get up early and get to the airport, early flights may be cheaper. They also reduce your chance of getting delayed and get you to your designation sooner. If your travel is flexible, look for options on other days. You may want to consider other airports within the area to land the best price. Above all else, be grateful for what you have and the loved ones around you. Most people will not remember the gifts they received or the food that they ate, they will remember the stories told and the laughs shared together.
It is that time of year again, where we are all thinking about how to make the most of our holiday savings. Here are a few tips to enjoy the festivities without dreading the finances this holiday season.
Home Equity Loans
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Leverage the equity in your home to fund almost anything; the possibilities are endless. Choose between low fixed-rate loan or adjustable line of credit. Rely on local Horizon professionals to manage your loan throughout its lifespan with exceptional service. Earn a tax deduction on interest.+
+ Consult your tax advisor.* Terms, conditions and qualifications apply
Home equity loans provide the freedom and convenience to easily and affordably finance large purchases. With a Horizon Home Equity Loan or Home Equity Line of Credit, you can leverage the available equity in your home to make home improvements or repairs, plan a vacation, consolidate debt, and more!
Holiday Shopping with Credit Cards
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Laying out a budget and tracking purchases for each person on your holiday list can help track how much money you are spending on per person. Shopping early is key as it gives you different options while also looking around at various retailers for the best price and highest value.
Holiday shopping is equally exciting and stressful. For most people the stress is not as much about what to get each person on your list as it is how you are going to pay for your presents. Experts expect the average American to spend about $1,000 in holiday-related expenses, with many relying on credit cards to help foot the bill.
Credit cards can be a secure and convenient way to make your holiday purchases. They eliminate the need to carry a large amount of cash, and offer fraud protection. If you plan on paying off your balance at the end of each month, consider using a credit card that offers a rewards program providing you cash back, points, or air miles every time you use your card. Individuals who expect to carry a balance on their credit card should consider a card with a low interest rate. You may be able to take advantage of a special introductory rate that allows you to transfer balances from higher-rate cards for no fee. Regardless of whether you are looking for rewards or low rate, look for a card that won’t charge an annual fee. Also, while Discover and American Express cards are likely to offer better benefits, they are not accepted by all merchants due to the high fees they charge businesses who accept them. Many of the small, local businesses in Williamsport, Lock Haven, State College and surrounding areas tend to accept only Visa and MasterCard credit cards.
Low Rate or Cash Back Your Choice for Holiday Purchases Visit www.horizonfcu.org to apply.
The home buying process Finance options Making an offer Home appraisals and inspections
Register today at horizonfcu.org
If purchasing your home is on your Horizon, you won't want to miss this educational seminar!
Join us for this complimentary home-buying seminar to learn:
What is escrow? The closing process Meet with a real estate agent and mortgage lender And much more
Thursday, November 10 Horizon Federal Credit Union 2541 East College Ave; State College, PA
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Home Buyers Seminar
Community
Thanksgiving Sweepstakes is back!
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Boomer's Birthday Party
Hedgie was a guest at the Crosscutters' baseball game on Tuesday, August 10 to help celebrate the birthday of their mascot, Boomer. Hedgie hit a home run with fans; providing hugs and high fives, posing for pictures, and even signing a few autographs.
Be on the lookout for your chance to enter and win this years Thanksgiving Sweepstakes. Please enter at your local Horizon Branch.
Clinton County Fair
Horizon sponsored the Clinton County Fair's Kiddie Day on August 3rd. Our sponsorship helped the fair sell ride wristbands at a discounted price. Our employees enjoyed the fair and interacting with individuals on how they can experience a brighter financial future.
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Please join us in welcoming the following new team members to Horizon!
Employee Corner
New Employees
Lori Boob, Director of Retail Delivery Brittany Baker, Director of Lending Zoey Aungst; Financial Services Professional, Lock Haven Melissa Confer; Lending Professional, Corporate Office Michael Burns,;Accounting Manager, Corporate Office Paige McHenry; Training Specialist Ronna Onufrak, Branch Manager, Lycoming Creek
Promotions
Bethany McDonald, Mortgage Originator Stephanie Woltz; Member Service Representative, Third Street Chris Anderson; Member Service Representative, Third Street Steve Martin; Branch Manager, State College Christian Bertin; Assistant Manager, Third Street Rubee Torres; Financial Service Professional , Third Street Cariz Kinney;Member Service Representative, Third Street Samantha Cuff; Chief Financial and Information Officer, Corporate Office Andrea Hammond; Account Solutions Representative, Corporate Office
Melissa Confer; Lock Haven Dina Proper; State College
New locations created tremendous promotional opportunity for employees. Please join us in offering congratulations and wishes of good luck to the following team members:
Veterans Day: November 11, 2022 (Friday) Thanksgiving Day: November 24, 2022 (Thursday) Black Friday: November 25, 2022 (Friday) Christmas Day (observed): December 26, 2022 (Monday) New Years Day (observed) January 2, 2023 (Monday)
horizonfcu.org 570-326-3636
Lock Haven Branch 217 West Bald Eagle Street Lock Haven, PA 17745 Lycoming Creek Road Branch - Williamsport 1930 Lycoming Creek Road Williamsport, PA 17701 Muncy Branch 867 Lycoming Mall Drive Muncy, PA 17756 State College Branch 2541 East College Ave. State College, PA 16801 Third Street Branch - Williamsport 1007 East Third Street Williamsport, PA 17701
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Important Dates
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