Hamilton Horizons offers a long list of products and services that are designed to meet all of our members' financial needs. They include a wide variety of low-interest loans, federally insured savings and investment accounts, and a number of convenient, money-saving products and services that allow you to conduct your financial business at your convenience. Whether you're looking to borrow or invest, Hamilton Horizons is the place to turn.

• Savings & Investment Accounts
• Loans
• Convenient Services
• Additional Services
• Coming Attractions

Savings & Investment Accounts

Share Savings Accounts - The initial account you open when you become a member of Hamilton Horizons, your Share Savings Account is an excellent account to use to establish a regular pattern of saving.

Money Market Accounts - A Hamilton Horizons Money Market Account provides you with the winning combination of high yields and easy account access many other investments just can't offer.

Individual Retirement Accounts & IRA Certificates - We offer all three types of IRAs - Traditional, Roth and Education - both as deposit accounts and in certificate form. These accounts offer investors many unique benefits, including valuable tax advantages.

Share Certificates- For the highest yield possible, invest in a Hamilton Horizons Share Certificate. Available in terms ranging from six months to three years, this secure investment allows you to earn top dividends without putting your deposit at risk.

"Name Your Own" Savings Accounts - Saving for the holidays, summer vacation or any other purpose is easy and convenient with a Hamilton Horizons "Name Your Own" Savings Account.

Convenient Services

Truly FREE Checking Accounts - Stop paying high checking account fees charged by banks and other financial institutions. A Hamilton Horizons Checking Account has no monthly service charge, no minimum balance requirement, no limit to the amout ofchecks you can write and no per-check charges. Also, Overdraft Protection is available, and your first 350 checks are provided free of charge.

Direct Deposit & Payroll Deduction - These FREE services let you have some or all of your net pay, retirement or government-issued check automatically deposited into your credit union account every pay period. Direct Deposit and Payroll Deduction provides safe deposit of your funds and can eliminate trips to our office.

Call-24 Touch-Tone Teller (Audio Response System) - You can use this convenient service to access your credit union accounts anytime day or night and make balance inquiries, transfer funds between accounts, make a payment on your credit union loan, and more - all from any touch-tone phone in the world!

Any Hour Loan (Loan-By-Phone Service) - As its name implies, this service lets you apply for a credit union loan right over the phone, anytime day or night.

FREE STAR ATM Cards - When you have a Hamilton Horizons STAR ATM card, your credit union accounts are accessible 24 hours a day, seven days a week at any ATM on the STAR or PLUS 5 network.

VISA Debit Cards - A Hamilton Horizons VISA Check Card can be used to pay for purchases with funds in your credit union Checking Account anywhere VISA is accepted. It also works as an ATM card at any ATM that displays one of the logos which appear on your card. The VISA debit card is free when you open a Hamilton Horizons checking account.

Online Banking - Logon to our website and click on the Online Banking button for real time access to your credit union accounts virtually any time, any place. View account history, make loan payments, schedule transfer of funds, and more. It's easy and convenient.

Additional Services

• Money Orders
• American Express Travelers Cheques
  (FREE for single signatures)
• American Express Gift Cheques
• FREE Notary Public Services
• Wire Transfers
• 24-Hour No-Surcharge ATM In Vestibule

Coming Attractions
Hamilton Horizons plans to introduce the following products and services in the future…

Online Bill Payment - Pay your bills right over the Internet with our Online Bill Payment service!

Online Account Statements - Members will be able to receive their monthly and quarterly account statements via e-mail rather than regular mail.