FAQs

For answers to the questions most often asked at our credit union, please refer to the list below. For access to frequently asked questions about our online banking services, click here.

Q. How many branch locations do you have?

A. We have one physical branch, which is located in the IBIS Plaza at 3535 Quakerbridge Road, Suite 600 in Hamilton Township.

Our members may access their accounts via the more than 6,800 “Shared Branch” locations of the CU Service Center Network. To find a location, click here.

Our members can also access their accounts via one of the over 58,000 fee-free Allpoint™ ATM locations. To find a location, click here.

Q. Is there a waiting period between the time I become a member of the credit union and when I may apply for a loan?

A. No, you may apply for a loan anytime after membership.

Q. Is there a minimum age requirement for opening checking and ATM accounts?

A. Yes, you must be at least 18 years of age. If you are under 18 (legal age) you may use these accounts if an adult signs the agreement with you. Children between the ages of 13 and 17 may open a checking account through our “Cha-Ching Teen Club,” however, without a parent’s co-signature.

Q. Once a stop payment is issued, how long does it last?

A. Six months which is the same amount of time that a check is valid. To be sure it is not cashed, you may wish to reinstate the stop payment.

Q. Do I have the ability to make loan payments over the phone?

A. Yes, through Virtual Branch Mobiliti on your Smartphone or tablet.

Q. Does the credit union offer auto leasing?

A. No, but we do offer low rate financing along with 100% financing of both new and used cars, whereas at the end of the term you would own your vehicle.

Q. Does the credit union offer Mortgages and Home Equity loans?

A. Yes, we currently offer both mortgage products nationwide. Call our Loan Department for more information.

Q. Is there a limit to how many loans any one member can have?

A. No, this is based strictly on a member’s qualifications as set by the credit unions’ lending policy

Q. Is there a penalty if I prepay my loan?

A. No, interest is calculated on the unpaid balance and there is no penalty if you pay early.

Q. What are the Credit Union hours?

A. Hamilton Horizons is open Monday thru Wednesday, 9 am until 3:30 pm, Thursday and Friday, 9 am until 6 pm, and Saturday 9 am until 12:00 pm

For further information about our credit union, call us at (609) 631-4300 or toll-free at (800) 449-3221.