Member Frequently Asked Questions

This page will be updated periodically as information becomes available.
Updated 4/5/2022.

How do I vote?

Online or by paper ballot.  There are laptops in both lobbies as well.  Voting is open from March 16 to May 5.

Where can I get my member number?

Your membership card has your number, or you can call us, and we will provide it.  Be prepared to answer questions to allow us to verify your identity.

I have already voted. Can I change my mind and vote again by May 5?

Yes, we will have extra paper ballots at our offices.  If you vote more than once, the last ballot received by CU Ballot (the independent third party) is the one that will count.

Can I drop my ballot off at one of the branches?

No, all ballots are handled by a third party (CU Ballot).  We will provide a mailing envelope for you to mail to CU Ballot.

Who can I talk to for more information?

If you contact the credit union with merger questions, you will be directed to one of our management or marketing staff.

Where can I learn more about Horizon Credit Union?

We have placed a link to Horizon in the “Planned Merger” tab here on Embark’s website or you can type it in your browser-

When would the merger happen?

It is expected to happen on the last weekend of July.

Is Embark in trouble financially?

No, quite the opposite.  Embark is a financially strong credit union.  We are not looking to merge to solve financial issues.

Will my member number change?

Yes, they will change.  We will help you every step of the way.

Will the branches both remain open?


Will Embark still have a Board of Directors?

No.  When the merger is completed, the Horizon Board is the legal board for the credit union.  However, Embark will have an Embark Advisory Board committee for 18 months post-merger.  The Advisory Board will ensure that the merger proceeds as outlined in the legal merger agreement.

Why are we merging?

We want to be here for the long term, to serve our members for years to come. In a highly competitive and rapidly evolving landscape, it became clear the best way to achieve this goal was to find one or more partners that share our vision and culture for long term success. This merger of two independently strong credit unions gives you, our member, the benefits of a large-scale organization, via better products and services, more branches across four states including Montana, and other advantages that strengthen our ability to compete.

Who is Horizon? Why did we choose them?

Horizon, founded in 1947 to support the financial needs of aluminum workers in eastern Washington, has maintained a strong commitment to placing members’ needs first for 73 years. They have proactively addressed changes in the financial world while continuing to offer competitive rates, friendly service, and the latest technologies. Horizon is based out of Spokane, WA and currently has twenty-nine branches in Washington, Montana, Idaho, and eastern Oregon.

It was a priority to find a credit union that aligns with our culture and values. Horizon Credit Union is a great fit for us, and we align on many aspects including a focus on member service.

Why a non-Montana credit union?

Horizon has been serving Montana since 2012 with branches in Missoula, Butte, and soon opening in Bozeman in the first quarter of 2022. They have a large fourteen county charter in Montana. With our Great Falls locations, our members will gain five additional branches in Western Montana as well as top- of-the-line technology for digital services. Horizon Credit Union recognizes the value of our market, understands our combined strength of culture, values, financial strengths, and maintains a strong commitment to members. This was critical for our Board of Directors.

How will this benefit me?

Our members will see immediate benefits after the completed merger. You will have full access at any of the more than 30 Horizon branches across Washington, Idaho, Oregon, and Montana as well as more ATM locations.

Horizon has a wider suite of products and services that will appeal to Embark members including Investment products and services and an expanding slate of electronic services.

Embark members will also benefit from an internal member contact center staffed by Horizon employees as the Embark outsourced solution was less than ideal.

When is this happening?

Nothing is changing right now. Both credit union Boards have signed an agreement to move forward. Internally, we are developing plans to integrate the two organizations once regulatory and membership approvals are obtained. Embark members will receive informational updates and eventually a detailed transition packet outlining the process. Both organizations will continue to serve members as usual.

Will we have the same people in the branches?

Yes. Our employees are key to our relationships with you and Horizon Credit Union will be keeping all our employees. We do not anticipate any changes in staff, and you should see the same faces and receive the attentive service to which you are accustomed.

Where can I find more information?

You can look on our website at as we will continue to add to this list of FAQs as we receive them from you.

Will both of our Embark branches remain open?

Yes. Our branches will continue to be open and will be part of Horizon’s branch network within their 4- state branch system.

Are we changing our name?

Yes. Embark will become Horizon Credit Union. External building signage at both branches will indicate “Embark Branch” below the Horizon name.

Next Up: Answers to these questions, and more, will be coming soon.

• What will happen to my products and services?
• Will Fees change?
• What will happen to my direct deposits and automatic payments?
• What will happen to my loan payments?