Become a Member

How can you become a member/owner?

If you live, work, worship or attend school in Mobile, Baldwin, Washington, Clarke, Monroe or Escambia counties in Alabama, or Escambia, Santa Rosa or Okaloosa counties in Florida, you are eligible for membership at New Horizons Credit Union. You can also join New Horizons Credit Union if you are related to a current member or if you work for a member company.

Joining is easy. All that is needed is valid identification, such as a driver's license, and a $25 minimum balance to open a savings account. There are no hidden fees to join.

If you have any questions about your eligibility, please contact us at (251) 316-3240 or (800) 824-3610. Or, you can stop by one of our branches and speak with one of our Member Service Representatives.

Once a member, always a member

As long as your Credit Union account remains open, you remain eligible for membership, for life. If you are already a member, encourage your family, friends and co-workers to join so they can share in the benefits of membership, contributing to the Credit Union’s strength, which benefits us all.


Member Owned

Credit unions are true not-for-profit cooperatives. This means that every member is automatically an owner, and ownership has its advantages. This includes lower loan rates, higher savings, and reduced or no fees for services.


Member Operated

Unlike other financial institutions that are owned and operated by stockholders with the objective of making a profit, credit unions are not-for-profit cooperatives operated by a volunteer Board of Directors. The Board of Directors is elected by the members, and each member, regardless of the amount on deposit, has one vote in the election.

Insured Deposits

Your deposits are insured up to $250,000.00 by the National Credit Union Administration. IRAs are insured separately and are also protected up to $250,000.00.


Ready to become a member?

Stop by one of our convenient locations today and join New Horizons Credit Union! All you need is a valid drivers license and a $25 deposit.