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 Horizon Credit Union Macon, MO Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 29, 2026
Horizon Credit Union Macon, MO's 24 Month CDs of Deposit rates are at 4.16%, 60 Month CDs of Deposit rates are at 3.29%, 48 Month CDs of Deposit rates are at 3.03%, 36 Month CDs of Deposit rates are at 2.78%, 12 Month CDs of Deposit rates are at 2.27%. Horizon Credit Union Macon, MO's savings rates are at 0.50%. Horizon Credit Union Macon, MO's Personal Loan Rates are as low as 12.00%. Horizon Credit Union Macon, MO's Credit Card Rates are at 13.90%. Horizon Credit Union Macon, MO's CD rates are 7% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Horizon Credit Union Macon, MO with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.27%. Rates last updated and verified on 10/29/2026. Horizon Credit Union Macon, MO money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Horizon Credit Union Macon, MO? Share your experience about Horizon Credit Union Macon, MO by leaving a review below, or read customer reviews before you decide to use Horizon Credit Union Macon, MO. Horizon Credit Union Macon, MO
Horizon Credit Union 310 N Missouri St
https://www.yourhcu.com Macon, MO 63552  Customer Reviews
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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. Horizon Credit Union Macon, MO CD Rates
Horizon Credit Union Macon, MO Savings Rates
Horizon Credit Union Macon, MO Auto Loan Rates
Horizon Credit Union Macon, MO Credit Card Rates
Horizon Credit Union Macon, MO Personal Loan Rates
Horizon Credit Union Macon, MO Other Rates
Financial Health HistoryHorizon Credit Union Macon, MO’s Texas Ratio rose from 2.00% in Q3 2023 to 4.27% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Horizon Credit Union Macon, MO is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Horizon Credit Union Macon, MO rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Horizon Credit Union Macon, MO's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Horizon Credit Union Macon, MO
Website
https://www.yourhcu.com
Address
310 N Missouri St,
Macon, MO 63552
Phone
660-385-8205
Fax
660-385-6662
President
Dennis Fessler
CEO
Lara Lucas
Full-Time Employees
19
Part-Time Employees
1
Branch Locations
2
ATM Locations
2
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
4.27%
Return on Assets (ROA)
0.1721%
Return on Equity (ROE)
1.4549%
Non-Performing Loans Ratio (NPL)
0.84%
Total Assets
58,755,600
Total Amount of Shares and Deposits
51,263,997
Total Shares and Deposits < 1 Year
44,726,450
Total Shares and Deposits 1 3 Years
5,990,634
Total Shares and Deposits > 3 Years
546,913
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
2,743,098
Total Uninsured Shares and Deposits > $250K (F+J)
2,743,098
Total Insured Shares and Deposits > $250K (item 17 less item K)
48,520,899
Total Interest Expense (Sum of items 6 8)
390,024
Share Certificates
287
Number of Accounts for Share Drafts
2,605
Number of Accounts for Regular Shares
6,390
All other shares
307
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
9,796,456
Total Liabilities
51,878,774
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Add Your Rating and Review for Horizon Credit Union Macon, MO
Frequently Asked Questions About Horizon Credit Union Macon, MODoes Horizon Credit Union Macon, MO offer CDs?Yes. Horizon Credit Union Macon, MO current CD rates include its 24 Month CDs of Deposit at 4.16% APY, its 60 Month CDs of Deposit at 3.29% APY and its 48 Month CDs of Deposit at 3.03% APY, verified by MonitorBankRates as of October 29, 2026. Are CDs from Horizon Credit Union Macon, MO NCUA insured?Yes. Horizon Credit Union Macon, MO is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Horizon Credit Union Macon, MO?The highest Horizon Credit Union Macon, MO CD rate is its 24 Month CDs of Deposit at 4.16% APY, verified by MonitorBankRates as of October 29, 2026. What CD terms does Horizon Credit Union Macon, MO offer?Horizon Credit Union Macon, MO CD rates are 2.27% APY for a 12 month CD, 4.16% APY for a 2 year CD, 2.78% APY for a 3 year CD, 3.03% APY for a 4 year CD and 3.29% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Horizon Credit Union Macon, MO for its full lineup. What is the highest savings rate at Horizon Credit Union Macon, MO?The highest Horizon Credit Union Macon, MO savings rate is its Savings Accounts at 0.50% APY, verified by MonitorBankRates as of October 29, 2026. What is the lowest auto loan rate at Horizon Credit Union Macon, MO?The lowest Horizon Credit Union Macon, MO auto loan rate is its Vehicle Loans: 2027/26/25/24/23 models at 4.50%, verified by MonitorBankRates as of October 29, 2026. What is the lowest personal loan rate at Horizon Credit Union Macon, MO?The lowest Horizon Credit Union Macon, MO personal loan rate is its Signature Loans at 12.00%, verified by MonitorBankRates as of October 29, 2026. What is the lowest credit card APR at Horizon Credit Union Macon, MO?The lowest Horizon Credit Union Macon, MO credit card APR is its Credit Card at 13.90% APR, verified by MonitorBankRates as of October 29, 2026. How many branches does Horizon Credit Union Macon, MO operate?Horizon Credit Union Macon, MO currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Horizon Credit Union Macon, MO?Yes, to access services at Horizon Credit Union Macon, MO, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Horizon Credit Union Macon, MO does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Horizon Credit Union Macon, MO provides members with tools to manage their accounts and build a solid financial history. Does Horizon Credit Union Macon, MO offer online and mobile banking?Most modern institutions like Horizon Credit Union Macon, MO provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.yourhcu.com. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Horizon Credit Union Macon, MO rates compare?Horizon Credit Union Macon, MO's CD rates are 7% higher than the MonitorBankRates national average, and it has an A+ health rating. Horizon Credit Union Macon, MO's top rates are its 24 Month CDs of Deposit at 4.16% APY, its Savings Accounts at 0.50% APY, its Signature Loans at 12.00% APR and its Credit Card at 13.90% APR, verified by MonitorBankRates on October 29, 2026. Current Horizon Credit Union Macon, MO Rates
Retrieved from our database of financial products. Rates subject to change.
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