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How will you reach your financial Goals?

With the help of New Horizons Credit Union, your goals can be met with favorable interest rates and profitable products. 
New Horizons Credit Union is committed to helping our members reach all of their financial goals. There comes a time in our members lives when a savings account isn’t enough; in fact you’re compelled to take your financial freedom one step further.  New Horizons Credit Union offers several insured accounts that offer a better dividend rate than a regular savings account.  These include Money Market accounts, Certificate Accounts, and Individual Retirement Accounts (IRAs).
Learn more about the products we have to offer:

Money Market Accounts

A Money Marketing Account is ideal for the member that wants to earn more, but cannot lock in funds for set term like a Certificate or IRA account and needs some flexibility.  Because a Money Market account is still considered differently from a traditional savings account, the number of transactions are limited by the Federal Reserve.  Other items of note:

- Minimum to open is $2,500.00

- Maximum of six transfers per month

- Maximum of three transfers by check, draft, or similar order payable to a third party

- Account is insured by the NCUA and safe from market risk

- A great investment option with flexibility for emergencies

- Offers quick access to cash

- View Money Market Rates here.



New Horizons Credit Union offers short and long term investment plans designed to accommodate all of our members needs. With your investments, small or large, you can be assured of competitive rates and high yield. A Certificate Account is insured by the NCUA and offers a higher dividend rate because funds can be locked in for a set term to help your investment grow.
Certificate Account terms range from 3 to 36 months with a minimum deposit of $500.00. Dividends are calculated and posted monthly.
Call or visit any of our offices for information regarding our specific investment options and current rates. You can also view our rates online.


At different stages in your life, you face different financial needs. Whether you want to start saving for your future, avoid taxes on a pension plan payout, or protect a lifetime of savings, a New Horizons Credit Union IRA may be the right solution. IRAs offer advantages over other savings options, such as the opportunity for tax-deductible contributions or tax-free savings depending on your tax situation. Always consult with your tax advisor on the best option to take.  New Horizons Credit Union offers the following IRA investment options for Traditional, Roth or Coverdell Education IRAs:


  • IRA Savings account (no minimum balance)
  • IRA Certificate Accounts (minimum balance as low as $500)


IRAs at New Horizons Credit Union are federally insured up to $250,000 per member (separate from your other New Horizons Credit Union accounts) by the National Credit Union Administration.


For more information on IRAs, visit one of our branches or call a Member Service Representative at (251) 316-3240.




If you are looking to earn higher dividend rates and are willling to take some risk, you may be interested in additional Investment Services are Offered by Tracy Moseley, CLTC.*


Tracy Mosely 

Tracy F. Moseley, CLTC

3578 Oaktree Drive, Suite B
Semmes, AL  36575
(251) 645-2626

*Other investments are offered through a third party.  These products are not federally insured, are not obligations of or guaranteed by New Horizons Credit Union, and may involve investment risk.


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