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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Horizon Credit Union Rates & Review April 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.
Read Full Bio →
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: March 27, 2026
Horizon Credit Union's savings rates are at 0.05%. Horizon Credit Union's Personal Loan Rates are at 11.90%. MonitorBankRates evaluates the financial stability of Horizon Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.53%. Rates were last updated on 03/27/2026. Horizon Credit Union 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? Share your experience about Horizon Credit Union by leaving a review below, or read customer reviews before you decide to use Horizon Credit Union. Horizon Credit Union
Main Office 13224 E Mansfield Ave Ste 300
https://www.hzcu.org Spokane Valley, WA 99216 
Horizon Credit Union Savings Rates
Horizon Credit Union Checking Rates
Horizon Credit Union Mortgage Rates
Horizon Credit Union Home Equity & HELOC
Horizon Credit Union Credit Card Rates
Horizon Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Horizon Credit Union 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 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's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Horizon Credit Union
Website
https://www.hzcu.org
Address
13224 E Mansfield Ave Ste 300,
Spokane Valley, WA 99216
Phone
509-928-6494
Fax
509-928-9475
President
Steve Sharon
CEO
Jeffry Adams
Full-Time Employees
363
Part-Time Employees
9
Branch Locations
28
ATM Locations
31
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.53%
Return on Assets (ROA)
0.4651%
Return on Equity (ROE)
3.8035%
Non-Performing Loans Ratio (NPL)
0.23%
Total Assets
2,035,747,396
Total Amount of Shares and Deposits
1,717,374,149
Total Shares and Deposits < 1 Year
1,666,444,699
Total Shares and Deposits 1 3 Years
43,641,397
Total Shares and Deposits > 3 Years
7,288,053
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
134,415,145
Total Uninsured Shares and Deposits > $250K (F+J)
134,415,145
Total Insured Shares and Deposits > $250K (item 17 less item K)
1,582,959,004
Total Interest Expense (Sum of items 6 8)
24,676,848
Share Certificates
18,439
Number of Accounts for Share Drafts
52,872
IRA KEOGH Accounts
2,337
Number of Accounts for Regular Shares
62,493
All other shares
746
Non Member Deposits
6
Money Market Shares
5,034
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
104,472,153
Total Liabilities
1,781,128,550
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Horizon Credit UnionIs Horizon Credit Union a safe place to deposit money?Yes, Horizon Credit Union is considered a safe financial institution. With a Texas Ratio of 1.5317914383104%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Horizon Credit Union operate?Horizon Credit Union 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?Yes, to access services at Horizon Credit Union, 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 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 provides members with tools to manage their accounts and build a solid financial history. Does Horizon Credit Union offer online and mobile banking?Most modern institutions like Horizon Credit Union 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.hzcu.org. Current Horizon Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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