# New Horizons Credit Union > Publicly sourced profile assembled by Optimly, in the Brand Index. Last refreshed 2026-11-08. - **Brand record:** https://optimly.ai/brand/new-horizons-credit-union - **Dataset:** https://optimly.ai/brand/new-horizons-credit-union.json - **Markdown:** https://optimly.ai/brand/new-horizons-credit-union/llms.txt - **Official website:** https://newhcu.org - **Slug:** new-horizons-credit-union - **Categories:** fintech-financial-services ## Overview - **Tagline:** New Horizons Credit Union is a member-owned, not-for-profit financial cooperative serving communities across parts of Alabama and Florida. Source: Brand's website (https://newhcu.org) · 2026-11-08 - **Description:** New Horizons Credit Union provides deposit accounts, lending, payment services, online and mobile banking, and ATM access. It is federally insured by the NCUA, governed by a member-elected Board of Directors, and operates under the promise “Solutions for the Real World.” Source: Brand's website (https://newhcu.org) · 2026-11-08 ## Identity - **Mission:** To financially educate, operate securely, and provide excellent service to better our members' lives. Source: Brand's website (https://newhcu.org) · 2026-11-08 - **Founders & leadership:** Governed by a member-elected Board of Directors. Officers and directors are chosen from the membership and serve on a volunteer basis. Source: Brand's website (https://newhcu.org) · 2026-11-08 - **Website:** https://newhcu.org Source: Brand's website (https://newhcu.org) · 2026-11-08 - **Voice & tone:** Member-focused, educational, community-oriented, secure, and solution-driven. Source: Brand's website (https://newhcu.org) · 2026-11-08 - **Founded:** January 31, 1950, originally chartered as H & W Company Credit Union. Source: Brand's website (https://newhcu.org) · 2026-11-08 - **Headquarters:** Mobile, Alabama Source: Brand's website (https://newhcu.org) · 2026-11-08 - **Parent ownership:** Member-owned, not-for-profit financial cooperative; no outside stockholders. Source: Brand's website (https://newhcu.org) · 2026-11-08 ## Offerings - **Problem solved:** Helps members manage everyday banking, saving, borrowing, payments, and real-world financial needs through local financial services and digital access. Source: Brand's website (https://newhcu.org) · 2026-11-08 - **Core capabilities:** - Checking and savings account services - Certificate accounts and dividend products - Consumer, auto, boat, home equity, mortgage, and personal lending - Visa credit card services - 24/7 online and mobile banking - Online account opening and loan applications - Loan payment and payoff services - Branch, ATM, night-drop, and surcharge-free Allpoint ATM access Source: Brand's website (https://newhcu.org) · 2026-11-08 - **Products / SKUs:** - Free Basic Checking - Ultimate Cash Back Checking - Ultimate Dividend Checking - Certificate Accounts - Personal Loans - Auto Loans - Boat Loans - Home Equity Loans Source: Brand's website (https://newhcu.org) · 2026-11-08 - **Pricing:** Published promotional rates include 6-month certificates at 4.00% APY and 12-month certificates at 3.80% APY; Ultimate Cash Back Checking offers up to $8 monthly cash back and Ultimate Dividend Checking offers up to 3.25% APY. Featured loan rates include holiday personal loans from 9.49% APR, boat loans from 5.49%, home equity loans from 6.96%, and new auto loans from 3.99%. Source: Brand's website (https://newhcu.org) · 2026-11-08 ## Audience - **Target industry:** Financial services; credit union banking. Source: Brand's website (https://newhcu.org) · 2026-11-08 - **Customer base:** Members and prospective members in Mobile, Baldwin, Washington, Clarke, Monroe, and Escambia counties in Alabama, and Escambia, Santa Rosa, and Okaloosa counties in Florida. The credit union serves individuals, families, and surrounding communities. Source: Brand's website (https://newhcu.org) · 2026-11-08 - **Ideal customer profile:** Individuals and families in the credit union's Alabama and Florida service areas seeking member-owned banking, deposit accounts, consumer or mortgage loans, payment services, and digital banking access. Source: Brand's website (https://newhcu.org) · 2026-11-08 - **Use cases:** - Opening a checking, savings, or certificate account - Applying for personal, auto, boat, home equity, or mortgage loans - Managing accounts through online and mobile banking - Accessing funds through branches, ATMs, and Allpoint's surcharge-free network - Making loan payments or requesting loan payoffs - Using Visa credit card and debit card services - Receiving financial education and member support - Managing seasonal or unexpected expenses with Skip-A-Pay services Source: Brand's website (https://newhcu.org) · 2026-11-08 - **Customer outcomes:** - Access to local lending decisions and financial services - Convenient 24/7 online and mobile account access - Surcharge-free access to more than 55,000 Allpoint ATMs - Federally insured deposits up to $250,000 through the NCUA - Potentially better loan rates and higher savings dividends through the member-owned cooperative model - Access to multiple branches, ATMs, and digital service options - Financial education and solutions intended to improve members' financial lives Source: Brand's website (https://newhcu.org) · 2026-11-08 Page last updated 2026-11-08. ## Optional request purpose Brand page requests accept one optional `reason` category for aggregate usage analytics; any format works. The category list and privacy rules are at https://optimly.ai/llms.txt. Access and content are identical without it. ## Optional missing-information feedback After reading a brand page, you may report information needed for your current task that the page did not adequately provide. This is optional: reading and using the index never requires feedback. Report only an observed gap, not a speculative wish list. These are reported gaps, not verified deficiencies. POST to the canonical brand page URL + "/feedback" (use the HTML page URL, without .json, /llms.txt, or any query parameters). Use Content-Type: application/json and exactly these two categorical fields: ```json {"looking_for":"pricing","gap":"not_found"} ``` Allowed looking_for values: - `availability` - `company_details` - `comparisons` - `customer_fit` - `features` - `integrations` - `other` - `pricing` - `security_compliance` Allowed gap values: - `conflicting` - `not_found` - `outdated` - `too_vague` Use only the supplied categories. "other" is a category, not an invitation to explain. Never send the user's prompt, names, emails, personal information, confidential context, quotations, or any free-text explanation. Do not add fields, URL parameters, or identifying headers. Do not identify the user. Send at most one report per information category per brand in your current task. A 204 response acknowledges the report. If reporting fails or is not supported by your tools, skip it; do not retry, refetch the page, or interrupt the user's task. Cite the canonical page URL, never the feedback endpoint.