What Is A Credit Union?
A credit union is a cooperative financial institution. It is owned and controlled by the people who use its services. These members belong to distinct groups that share something in common, such as where they work, live, go to church or school. All credit unions are not-for-profit. They exist to provide a safe, convenient place for members to save money and to receive loans and other services at reasonable rates.

Credit unions are closely regulated. They are overseen by the National Credit Union Administration, an agency of the federal government, and insured by the National Credit Union Share Insurance Fund. This fund protects the deposits of credit union members at more than 11,000 federal and state-chartered credit unions nationwide. Deposits are insured up to $100,000.

What makes credit unions different from other financial institutions, such as banks or savings & loans? While they all accept deposits and make loans, banks and savings & loans are in business to make a profit. Those types of financial institutions are owned by groups of stockholders whose interests include earning a healthy return on their investments. Credit unions are focused on making sound financial decisions to benefit only their members, not outside investors.

The Advantages Of HHFCU Membership
Hamilton Horizons offers a wide variety of convenient, money-saving products and services that are designed to meet all our members' financial needs. These products include high-yield savings and investment accounts, low-interest loans, and numerous services that let you conduct your financial business when it's convenient for you. Click here for more information about these products.

Anyone who lives, works, worships or attends school in Hamilton Township, New Jersey (Mercer County) is eligible to join Hamilton Horizons. Joining Hamilton Horizons Federal Credit Union gives you access to a long list of convenient, money-saving products and services. To join, simply fill out a membership application and return to Hamilton Horizons with a minimum initial deposit of $5.00. This minimum amount represents your “share” of ownership. It is not a fee; it goes directly into your newly established Share Savings Account.

Once you have opened this account, you are free to utilize all the benefits our membership has to offer. As long as you maintain a balance of at least $5.00 in this account, you'll remain a credit union member with full access to all our products and services - even if you move, change jobs or retire. Plus after you become a member, your family members automatically become eligible to join. For additional membership applications for your family members, call or visit the credit union. Click here to fill out a membership application.