picture of Lafayette dome building

Lafayette Community Bank is now Horizon Bank. While the bank's name is changing, the exceptional, personal service is not. We continue to care about the community where our customers and advisors live.  We understand there are benefits to doing business with a local, community bank and want to assure you that banking with Horizon will be the difference that local service really makes in your financial life. 

Your Hometown Team

    Brad Marley    Jon_DeSmet_picturePam_Hershberger_pictureSteve_Hickman_pictureDan_Komarchuk

Dick Murray picutreKim Clark picture    Marilyn Metzger pictureCathy_Stachowicz pictureJustine_Thayer    

Our committment to local service

When you walk into one of our branches, you’ll still talk to someone from your hometown — a local banking professional who knows the community.

Expanded branch and ATM network providing access to 60 full-service branch locations. Along with expanded ATMs at each branch, customers will also enjoy access to the MoneyPass ATM network providing surcharge free ATMs nation-wide. 

Robust business services to improve how business owners manage their finances with online banking, treasury management services, remote deposit capture, merchant processing, and more.

Higher lender limits on business and agricultural loans offered by local expert lenders for increased financing options.

Guaranteed decision time of one business day on loans up to $100,000 and preferred lender status for SBA loans resulting in faster decisions and quicker loan closings.


Offers just for you


Horizon's mortgage options include a 30 business day closing guarantee on purchases, an online mortgage center with helpful tools and resources with the option to apply online, anytime for added convenience.

Find an advisor near you


When you need a loan fast for financing that major purchase, consolidating bills, your dream vacation, or just help covering unexpected expenses, we’ll get to a decision quickly.  If approved, we can get you the cash the same day.

Apply Today, Cash Today Guaranteed!


 
 
 

Details about these offers

New home loan Guarantee

Horizon Bank N.A. will guarantee that new home purchase loans will close within 30 business days. This guarantee requires that the applicant, the sellers, and the real estate agents must be available to close the transaction on or before the 30th business day. The 30 business day closing window is dependent upon receiving the following documentation within 2 business days after the date on the original signed application:

  • Receipt of the required signed application disclosures returned to the bank from the applicant.
  • All requested loan documentation as required from the applicant. This required information is provided by the mortgage loan advisor during the application process or via online disclosure when the application is submitted online.

In addition, access to the property for appraisal must be given within 3 business days after the seller is contacted by the bank’s assigned appraiser.

This new home loan guarantee applies to the following mortgage loans:

  • New home purchases using one of the following 3 loan types: 1. A conventional mortgage loan in the amount no greater than $417,000 with a minimum down payment of 10%; 2. An FHA mortgage loan or; 3. A VA mortgage loan.
  • The home being purchased must be located on a property of less than 10 acres, within a 50-mile radius of the nearest Horizon Bank Office, and occupied as your primary residence or second home.

The guarantee is void if Horizon Bank is delayed or unable to obtain information from third party vendors when obtaining verification of employment, assets, income, approval from private mortgage insurance, or eligibility related to government benefits. The guarantee is also void if any change in circumstances occurs requiring that revised, federal disclosures be re-issued to you. Examples of such circumstances are a change of loan amount, loan terms, loan rates or fees; a change of loan program or product; or a change of sales price or appraised value.
 

If the loan is approved and the loan is not closed within the 30 business days of receipt of all required documentation as noted above, Horizon Bank will credit the borrowers $500 off the closing costs of the loan. This new home purchase guarantee offer is for loans closed with Horizon Bank and is subject to change without notice, and may be modified or discontinued at the Bank’s sole discretion.

Next Day Business Loan Guarantee

Horizon Bank will guarantee that business loan decisions are ready for the applicant by the next business day of the application being submitted for review. This next business day loan decision guarantee applies to new business loan applications that are up to $100,000 in amount, submitted via phone or in person, and taken Monday through Friday between the hours of 8:00 AM – 4:00 PM CST (9:00 AM – 5:00 PM EST). Applications are considered 'submitted' once the application is uploaded to the bank's electronic loan processing system. An electronic time stamp is placed upon the application for tracking purposes as soon as it is submitted.

Loan decisions for applications will be provided to a customer service representative of the bank and available to the applicant the next business day. All normal underwriting standards will apply to each loan request and if an approval is given, it may be conditional and subject to additional information needed prior to final approval of the loan request. If the loan is approved and the decision is not provided by the next business day of the submission of the application, the Bank will credit up to $250 towards the closing costs of the final loan.

This loan decision guarantee offer is for new loan requests – not for renewing of existing Horizon Bank loans – closed with Horizon Bank and is subject to change without notice, and may be modified or discontinued at the Bank's sole discretion.

Discount on Consumer Loan

Annual Percentage Rate discount of .50% applies to new closed-end consumer loans with auto payments from a Horizon checking account and sign up for eStatements.
Not available on home equity loans.