Vale Stirling Scard

Vale Stirling Scard We celebrate the life of a remarkable man, Stirling Scard—a name synonymous with integrity, dedication, and service. Stirling, by name and truly sterling by nature, he lived a full and impactful life. He leaves behind a legacy of wisdom, leadership, and unwavering commitment to his community, and he will be dearly missed. Stirling dedicated 30 years to Horizon Bank, with 17 of those years as Chairman. His tenure was marked by vision, innovation, and a steadfast belief in the power of community. He joined the Board of what was then known as the Southern Counties Credit Union in 1983, bringing with him sharp wit, financial savvy, and a deep sense of purpose. It was no surprise when, just five years later, his peers entrusted him with the mantle of Chairman—a role he embraced with vigour and determination. Under Stirling’s guidance, Horizon Bank experienced transformative growth. He oversaw milestones that reshaped the organisation, including the pivotal merger with Shoalhaven City Council Employees’ Credit Union in 1995 and the renaming to Horizon Credit Union. That same year, Stirling championed the opening of a flagship branch in Nowra’s CBD, a significant step in broadening the Horizon’s reach. Not stopping there, Stirling oversaw the establishment of a new head office in 1997 and led the opening of branches in Bermagui, Albion Park, and Thirroul—strategic moves that expanded Horizon’s footprint and reinforced its commitment to serving its communities. Stirling’s leadership shone brightest during challenging times. He guided Horizon through the turbulence of the Global Financial Crisis in 2007 with a steady hand and a clear vision. His final achievement—a merger with Eurobodalla Credit Union—was the crowning glory of an extraordinary thirty year tenure. To say Stirling’s contributions to Horizon Bank were immense would be an understatement. His wisdom, humility, and passion were the cornerstones of his leadership, and his impact will continue to ripple through the organisation and the community for years to come. Beyond his professional achievements, Stirling was a family man. His love for Joan, his wife, and the entire Scard family was unwavering. Our thoughts and heartfelt condolences go out to Joan and the family during this time of loss. Stirling was more than a leader; he was a custodian of trust, a beacon of progress, and a pillar of strength. His legacy is etched in the history of Horizon Bank and in the hearts of all who knew him. Thank you Stirling, for your service, your wisdom, and your unwavering belief in the power of community. Vale, Stirling Scard.

Scams

Card Collection Scam

Card collection scam How to spot the scam Criminals pretend to be from your bank, IT company or phone company and tell you that your account or computer is not secure. They will ask you to provide your PIN and leave your card out for collection in your letterbox so it can be cancelled and replaced, or to withdraw cash and hand this over instead. How the scam works Scammers impersonate organisations you know and trust so that you will believe what they’re saying.They will try to make you scared about the security of your money or device, so you’ll do what they say without stopping to check that what they're saying is real. Once they have your card and PIN, they’ll withdraw as much money from your account as possible. What you should know Your bank or phone company will never ask you to:• disclose your PIN• leave your card out to be collected• withdraw cash from your account• transfer money to another account to keep it secure.Speak up and report if you are ever asked to do any of these things. Visit the Scamwatch website to find out more. Stay protected STOP – Never tell anyone your PIN, or give your card or cash to someone you don’t know. Say no, hang up, delete.CHECK – Scammers call and pretend to be from organisations that you know and trust – like your bank. If you’re not sure, call the official number of the organisation to check. You can find this on their website, app or the back of your bank card.PROTECT – If a scammer has taken your money, bank card or personal details, contact your bank or card provider immediately to report the scam and ask them to stop any transactions. Call the police if your cash or card has been taken by someone you don’t know. Report scams to Scamwatch. If you’ve been affected If a scammer has taken your money, bank card or personal details, contact your bank or card provider immediately to report the scam and ask them to stop any transactions. Help others by reporting scams to Scamwatch. The information you provide helps the National Anti-Scam Centre make Australia a harder target for scammers.For more information about how to avoid or report a scam, visit the Scamwatch website.

Horizon's 60th Anniversary

We’re proudly celebrating our 60th Anniversary throughout November, commemorating six decades of dedicated service as a customer-owned financial institution in the Illawarra and South Coast. It all began in 1964 when a government appointed organiser of Credit Unions visited Wollongong and spoke to employees of the Illawarra County Council about the possibility of forming a Credit Union. They agreed to a formation meeting which occurred on the 20th November 1964. Since that day Horizon Bank has grown exponentially while remaining the only true South Coast & Illawarra based financial institution. There have been multiple mergers along the way to form what Horizon is today. Visit our history page for more information.  We now proudly have 18,000+ members as well as 10 branches that span the Illawarra & South Coast. 60 years on, we remain committed to providing gold star service to our members through our extensive range of banking products & services. We thank all our members & staff for the support and look forward to continuing to make a positive impact in the Illawarra & South Coast for decades to come.  We invite you to join us in your local branch on 20 November to celebrate with a sweet treat!

Safe & Savvy Guide

Safe & Savvy Guide    The Australian Banking Association (ABA) has a guide to help older people avoid abuse, scams and fraud. Elder financial abuse can take many forms and happen to anyone. This 6-part guide aims to: Introduce the concept of elder financial abuse, and explain why it matters to you. Make sure you can recognise the types and signs of elder financial abuse. Give you practical steps to help safeguard yourself and your loved ones against potential abuse - now and in the future.  Learn and understand common scams and fraud and how they can affect you. To access the guide, click here.

Horizon Bank's Year in Review 2023-2024

Horizon's Year in Review for 2023-2024 is now available.  Featuring: Horizon in the community, financials, member satisfaction, a word from our Chair & CEO, highlights, achievements and more ... Check it out below: 

Security

Cyber Security Awareness Month 2024

October is Cyber Security Awareness Month and an annual reminder for all Australians to stay secure online.  Here are 4 simple steps that can help you improve your cyber security: Turn on multi-factor authentication.  Keep your devices and software up to date. Use strong and unique passwords, such as a passphrase. Recognise and report phishing. We encourage you to take the time to talk to your family, friends and colleagues about cyber security and take action to secure your devices or accounts from cyber threats.  You can find more information here. 

Notice of Annual General Meeting 2024

NOTICE OF ANNUAL GENERAL MEETING HORIZON CREDIT UNION LTDABN 66 087 650 173 Notice is hereby given that the Annual General Meeting (AGM) of Horizon Credit Union Ltd ABN 66 087 650 173 trading as Horizon Bank, will be held on Thursday, 7th November 2024, 5.30pm at 27 Stewart St, Wollongong. For more information, click here. 

Annual Report 2023/2024 (FY24)

Horizon is excited to unveil our Annual Report for the 2023/2024 financial year (FY24). This report contains yet another year of strong financial results. It also showcases Horizon's ongoing focus & commitment to our communities, continued investment in technology and a growing branch network. We're proud to share our progress with you.  See the full Annual Report below. 

Community

Eurobodalla Woodcraft Guild Receives Community Grant from Horizon Bank

The Eurobodalla Woodcraft Guild were thrilled to receive a Community Grant from Horizon Bank totaling $1,958, enabling the purchase of a new chainsaw, case, and helmet set. This essential equipment will enhance the safety and efficiency of their members as they work on local timber projects. According to Rick Stanford, Vice President of the Guild, the new equipment allows members to safely trim donated tree trunks to fit into their milling machine, resulting in usable timber slabs for various community projects. “This grant will significantly improve our operations and enable us to support even more local initiatives,” Stanford stated in their Grant application. The Woodcraft Guild has a proud history of providing services to local organisations, including Anglicare, Eurobodalla Council, the Tai Chi Club, and the Moruya Jockey Club. The group benefits from skilled ex-Forestry members who offer safety and usage training, ensuring all members are equipped to handle the equipment responsibly. Jenny McKenzie, Horizon Bank Moruya Branch Manager, expressed pride in the bank’s commitment to supporting local communities. “The Horizon Bank Community Grants program has delivered over $22,000 to Eurobodalla-based organisations over the last couple of years. We are excited to support initiatives that make a real difference in the community,” Jenny said. Here you can see one of their senior members, Malcolm, giving a demonstration and training of the new chainsaw to some other members.    Horizon’s Community Grants Program will open for applications in mid-2025. 

Community

Moruya's Festival of Sustainable Choices

Our Moruya Branch team spent their Saturday in the sun recently at the Festival for Sustainable Choices in Moruya held by the Eurobodalla Shire Council.Everyone gathered in Riverside Park Amphitheatre on September 14th for great day with plenty of stalls, activities, workshops, panel discussions and more, providing lots of information on how to make more sustainable choices. Jenny, Ella & Kim-Maree from our Moruya Branch manned a Horizon Bank stall at the festival. They enjoyed spending time chatting to the festival-goers about how Horizon could help them in making more sustainable choices. They provided information about our competitively priced Green Personal Loans as well as our Green Car Loans. At Horizon Bank we acknowledge our environmental responsibility. ‘Green Horizons’ is a key strategic initiative to be, and be seen as being, a responsible & influential environmental citizen. Being able to be a part of events such as this aligns with our values is fantastic and we look forward to more opportunities like this in the future. Well done to all involved.