ON THE HORIZON...ON THE HORIZON FALL 2020 VOL.XIX NO. 4 Do you still have projects you want to get done this fall? Rates as low as... 2.49% APR* Home Equity Loan Why not apply for

*APR=Annual Percentage Rate. Rate stated is for a five year term. Other Special Rates/Terms available. Borrow up to 80% of your home’s equity. Offer ends 12/31/2020 and can be withdrawn at any time prior. See a Member Service Specialist for details. Sample payment based on $25,000 loan for 60 months @ 2.49% APR, is $443.51 per month. Equal Housing Lender.

ON THE HORIZONFALL 2020 VOL.XIX NO. 4

Do you still have projects you want to get done this fall?

Rates as low as...2.49%APR*

Home Equity Loan

Why not apply for a Home Equity Loan or a Home Equity Line of Credit!

Home Equity Line of CreditRates as low as...

1.99%APR*First six months. After six months, variable rate of prime**

*APR=Annual Percentage Rate. **Prime currently 3.25%. Borrow up to 80% of your home’s equity. 15 years financing. No closing costs. The lifetime rate cap on our Home Equity LOC is 16%. Receive free checks to access your line of credit. $199 application fee refunded at the time of closing, if approved. Some restrictions apply. More rates and terms available. Make an appointment with a Member Service Specialist for complete details. Equal Housing Lender.

ATTENTION: FOR ANNUAL MEETING INFORMATION SEE BACK PAGE

~How to protect yourself while holiday shopping online~1. Shop only on secure websites-the URL should have a closed-lock icon or begin with “https.” Hackers may use websites that mimic popular sites to trick you into revealing your personal information. Pay attention to the website address-even for sites you know and trust, there may be a slight change2.Use unique passwords. Consider using a unique phrase with a mix of letters and numbers. 3.Only share information required to make your on-line purchase (typically whatever has an asterisk on it). Avoid providing your personal information (such as your birthday or Social Security number) when it isn’t required. When used together with your financial information, you may be more vulnerable to fraud. 4. Avoid “saving” passwords or financial information on a website. While it may seem convenient to do so, it’s also easier for a hacker to access this information.5.Use prepaid debit cards or cash when possible. 6. Regularly monitor your account using our on-line banking (Horizons@Home) and/or our mobile app. Call 607-724-5876 for details to get set up. 7.Avoid shopping on-line over a public Wi-Fi network.

~Tis the season for scams...beware~1. Phishing emails-Phishing Emails-always popular, phishing scams get even more prevalent before the holi-days. They can take form of bogus delivery confirmation requests seeking your information oreven personalized letter to your child from “Santa”. Be extra careful this holiday season when it comes to sharing your personal information. 2. Bogus Gift Cards-You can save money by buying gift cards through second-hand retailers, but be careful as many may be a front for scammers. Gift cards may be invalid, used or forgeries.3. Fake Charities-Many scammers will capitalize on the goodwill that flourish around this time of year by ask-ing you to make a donation to a charity that does not actually exist. Be sure to verify the authenticity of any charity you’d like to make a contribution to at CharityNavigator.org.4. Package Theft-UPS and Fed-Ex will be dropping off boxes all over the neighborhood. If possible when or-dering something expensive, arrange for a delivery that requires your signature upon receipt. Otherwise track your order and bring it in quickly after it’s dropped off.5. Bogus Sites-You may get lucky and find the perfect gift at a super-low price, but don’t believe any ads or websites that are practically giving away the good stuff for free. Only shop on reputable sites. Remember to check the website address before placing an order.

Do you know these Horizons members?

State law requires financial institutions to turn inactive accounts, unclaimed insurance, and stock dividends and other inactive holdings over to State Comp-trollers. If there has been no activity (other than dividend posting) for three years, the money is considered to be unclaimed or abandoned. Despite ef-forts to contact them, the following members have unclaimed funds with Horizons. The state will act as custodian for these funds until they are claimed by their rightful owners. If you know how to reach any of these members, please contact Horizons Federal Credit Union at (607)724-5876. We would appreci-ate hearing from you before October 31, 2020. If you think you may have funds that have been turned over, please contact us for help in claiming these funds.

United Way of Broome County presented our team leader Melanie Hagopian and

Horizons Federal Credit Union with an award in September. The award was due to the generosity of our staff who participated in our employee based campaign.

We are extremely proud to have employees that are generous and dedicated not only at work, but throughout the community as well.

AL-NADI, GABRIEL QAL-NADI, QASSEM MANDERSON, STEPHANEANTHONY, ANNA MBARCAK, GEORGEBRAINARD, AMYBRAZEN, MELISSA TCADDEN, MARYCARDENAS, NAOMICAVE-JAMES, BRENDACOLONDRES, WENDY REP PAYEE FOR JASON HERNANDEZCRAMER, ADAM CCRAMER, JAMES CRAMER, RENEEDARPINO, DEBORAHDARPINO, VINCENTDILLON, MARCDILLON, PATRICIAGILBIN, JOSEPHGUITON, KIM SHALL-STEPHENS, ANGELA REP PAYEE FOR LELAND D PIERCEHALL, ASAHARVEY, BREYAWNA JOHAYES, ARICAHOVER, CRYSTAL M CUSTODIAN FOR ALYSSA J HOVERHUDEC, FRANCIS

JONES, WILLIAM GJONES, SUZANNE EKEMP, CHARLENELEE, KOBELERCHE, KELLYLIMBERT, LOREN E JR.MARTINEK, RITA MMASTRO, ANGELA MMCLAUGHLIN, SARAHMCLAUGHLIN, TONYAMICHITTI, CAMILLOMICHITTI, GENOVEFFAMURRAY, ETANAMURRAY, RONNIENIEVES, CAILAYOSTRANDER, JACKSONOSTRANDER, STEPHANIEPENA, CHRISSY J REP PAYEE FOR KEVIN PENAPOLAKOVICH, JOSEPHSIERZANT, CHRISTINESPEID, ASHANTI NICOLESPIVEY, AMIRSPIVEY, ASANISPIVEY, NYHIM SSTAFFORD, CARONSTAFFORD, DESTINY

STAFFORD, MATTHEW DSTOTTS, CEARRA LSTOTTS, CHARONNSTOTTS, IYANNA J CSTOTTS, KIARRA JSULLIVAN, ANNETTETAYLOR, AUSTIN RTAYLOR, ELIZABETH ATAYLOR, LINDATOMENGA, LARRY ITORDONATO, ELONATRAN, JORDAN XTRAN, TY XVOLLRATH, COLBY WVOLLRATH, WYONAWALKER, KAYLA CUSTODIAN FOR ALEXUH ORCUTTZLINSKY, STEPHEN JZLINSKY, ZORIE A

Apple NachosAmerican Heart Association, Healthy For Good

Calories: 167/serving Protein: 4g/serving Fiber: 4g/serving

Ingredients:1/3 dried, unsweetened cranberries or raisins1/4 cup sliced, unsalted almonds2 tablespoons unsalted, shelled sunflower seeds3 red or green apples, cored and thinly sliced into about 12 wedges each1-2 teaspoons fresh lemon juice2 tablespoons water1/4 cup smooth, low sodium peanut butter1 tablespoon honey

Directions:1. In a small bowl, stir together the cranberries, almonds and sunflower seeds. 2. Layer half of the apples on a large plate or platter. Sprinkle the lemon juice over the apples to keep them from browning. 3. Using a microwavable bowl, microwave the water on 100% power (high) for 2 minutes, or until boiling (or boil water in your tea kettle and measure 2 tablespoons into a small bowl). Add the peanut butter and honey, stirring until the mixture is smooth. 4. Using a spoon, drizzle half the peanut butter mixture over the apple wedges. Sprinkle with half the cranberry mixture. Layer the remaining apples over the cranberry mixture. Driz-zle the remaining peanut butter mixture over all. Sprinkle the remaining cranberry mixture over all.

EventsOctober 1-31st, Children’s Miracle Network/Up-state Golisano Children’s Hospital $1.00 IconsOctober 23rd, Miracle Jean Day, employees sup-port Children’s Miracle Network/Upstate Golisano Children’s Hospital

Holiday ClosingsSaturday, October 10th-Columbus Day WeekendMonday, October 12th-Columbus DayWednesday, November 11th-Veteran’s DayThursday, November 26th-Thanksgiving DayThursday, December 24th-Closing at 1:00 PMFriday, December 25th-Christmas DayThursday, December 31st-Closing at 3:00 PMFriday, January 1st-New Year’s Day

Purchase your 2021 book today!●Makes the perfect gift●The most popular local merchants●Save money all year long●Nationwide savings with the FREE SaveAround Mobile App

$25 per bookHORIZONS FCU MEMBERS RECEIVE AN INSTANT $5

REBATE

Proceeds go to:

Go to: https://secure.e2rm.com/p2p/event/345658/en-CA or stop into any branch to buy an icon for $1.00 the full month of October to support Upstate Golisano Children’s Hospital.

Horizons FCU Employees are making an impact on children. You can make

an impact as well.

VIRTUAL ANNUAL MEETINGOCTOBER 28, 2020

5:30 PMIF YOU ARE INTERESTED IN ATTENDING,

PLEASE CALL 607-724-5876 FOR MORE DETAILS.