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Horizon Credit Union

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Horizon Credit Union Rates & Review November 2026

Q: What are the current interest rates at Horizon Credit Union?

Current rates for Horizon Credit Union include: 12-Month CD: 2.78%, 24-Month CD: 3.61%, 60-Month CD: 3.55%, Savings: 3.03%

Q: What CD terms does Horizon Credit Union offer?

Horizon Credit Union CD rates are 4.38% APY for a 12 month CD, 3.61% APY for a 2 year CD, 3.61% APY for a 3 year CD, 3.45% APY for a 4 year CD and 3.55% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Horizon Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 30, 2026

Horizon Credit Union's 12 Month CD rates are at 4.38%, 24 Month CD rates are at 3.61%, 36 Month CD rates are at 3.61%, 60 Month CD rates are at 3.55%, 48 Month CD rates are at 3.45%. Horizon Credit Union's savings rates are at 3.03%. Horizon Credit Union's checking rates are as high as 3.03%. Horizon Credit Union's Personal Loan Rates are as low as 11.90%. Horizon Credit Union's Credit Card Rates are at 12.65%. Horizon Credit Union's CD rates are 27% higher than the MonitorBankRates national average, and it has an A+ health rating. 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 1.61%. Rates last updated and verified on 10/30/2026.

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.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.61%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Horizon Credit Union
Main Office

13224 E Mansfield Ave Ste 300
Spokane Valley, WA 99216

https://www.hzcu.org

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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 CD Rates

Product	Rate	APY	Term
15 Month Certificate Special	4.60%	4.70%	15 months
Details With .25% Bonus; requires Direct Deposit of $200.00 or more to an active Horizon Checking or Savings account Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.70% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
15 Month Certificate Special	4.35%	4.44%	15 months
Min Deposit $1,000 Details Balance: $1,000.00 Minimum Opening Deposit Last Updated 10/30/2026 Rate History 1 change since Oct 19, 2026 · 4.70% → 4.44% ▼ 0.26 pts · high 4.70% / low 4.44% Oct 19, 20264.44%▼ from 4.70% Oct 19, 20264.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
15 Month Certificate Special	4.35%	4.44%	15 months
Min Balance $25,000 Details Balance: $25,000.00 - $99,999.99 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.44% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
15 Month Certificate Special	4.35%	4.44%	15 months
Min Balance $100,000 Details Balance: $100,000.00 or more Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.44% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
12 Month Certificate	4.30%	4.38%	12 months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 Minimum Opening Deposit Last Updated 10/30/2026 Rate History No change since Oct 9, 2026 · 4.38% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
12 Month Certificate	4.30%	4.38%	12 months
Min Balance $25,000 Details Balance: $25,000.00 to $99,999.99 Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 3.35% → 4.38% ▲ 1.03 pts · high 4.38% / low 3.35% Oct 5, 20264.38%▲ from 3.35% Sep 18, 20263.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
12 Month Certificate	4.30%	4.38%	12 months
Min Balance $100,000 Details Balance: $100,000.00 or more Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 3.35% → 4.38% ▲ 1.03 pts · high 4.38% / low 3.35% Oct 5, 20264.38%▲ from 3.35% Sep 18, 20263.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
12 Month IRA	4.30%	4.38%	12 Month
Min Deposit $500 Details Balance: $500.00 Minimum Opening Deposit Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.38% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
12 Month IRA	4.30%	4.38%	12 Month
Min Balance $25,000 Details Balance: $25,000.00 - $99,999.99 Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 3.35% → 4.38% ▲ 1.03 pts · high 4.38% / low 3.35% Oct 1, 20264.38%▲ from 3.35% Sep 18, 20263.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
12 Month IRA	4.30%	4.38%	12 Month
Min Balance $100,000 Details Balance: $100,000.00 - $500,000.00 Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 3.35% → 4.38% ▲ 1.03 pts · high 4.38% / low 3.35% Oct 1, 20264.38%▲ from 3.35% Sep 18, 20263.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
24 Month Certificate	3.55%	3.61%	24 months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 Minimum Opening Deposit Last Updated 10/30/2026 Rate History No change since Oct 9, 2026 · 3.61% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
24 Month Certificate	3.55%	3.61%	24 months
Min Balance $25,000 Details Balance: $25,000.00 to $99,999.99 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.61% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
24 Month Certificate	3.55%	3.61%	24 months
Min Balance $100,000 Details Balance: $100,000.00 or more Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 4.12% → 3.61% ▼ 0.51 pts · high 4.12% / low 3.61% Sep 22, 20263.61%▼ from 4.12% Sep 18, 20264.12%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
24 Month IRA	3.55%	3.61%	24 Month
Min Deposit $500 Details Balance: $500.00 Minimum Opening Deposit Last Updated 10/30/2026 Rate History 1 change since Sep 22, 2026 · 4.12% → 3.61% ▼ 0.51 pts · high 4.12% / low 3.61% Oct 19, 20263.61%▼ from 4.12% Sep 22, 20264.12%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
24 Month IRA	3.55%	3.61%	24 Month
Min Balance $25,000 Details Balance: $25,000.00 - $99,999.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.61% APY · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
24 Month IRA	3.55%	3.61%	24 Month
Min Balance $100,000 Details Balance: $100,000.00 - $500,000.00 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 4.12% → 3.61% ▼ 0.51 pts · high 4.12% / low 3.61% Sep 18, 20263.61%▼ from 4.12% Sep 14, 20264.12%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
36 Month Certificate	3.55%	3.61%	36 months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 Minimum Opening Deposit Last Updated 10/30/2026 Rate History No change since Oct 9, 2026 · 3.61% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
36 Month Certificate	3.55%	3.61%	36 months
Min Balance $25,000 Details Balance: $25,000.00 to $99,999.99 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.61% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
36 Month Certificate	3.55%	3.61%	36 months
Min Balance $100,000 Details Balance: $100,000.00 or more Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 4.12% → 3.61% ▼ 0.51 pts · high 4.12% / low 3.61% Sep 22, 20263.61%▼ from 4.12% Sep 18, 20264.12%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
36 Month IRA	3.55%	3.61%	36 Month
Min Deposit $500 Details Balance: $500.00 Minimum Opening Deposit Last Updated 10/30/2026 Rate History 1 change since Sep 22, 2026 · 4.12% → 3.61% ▼ 0.51 pts · high 4.12% / low 3.61% Oct 19, 20263.61%▼ from 4.12% Sep 22, 20264.12%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
36 Month IRA	3.55%	3.61%	36 Month
Min Balance $25,000 Details Balance: $25,000.00 - $99,999.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.61% APY · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
36 Month IRA	3.55%	3.61%	36 Month
Min Balance $100,000 Details Balance: $100,000.00 - $500,000.00 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 4.12% → 3.61% ▼ 0.51 pts · high 4.12% / low 3.61% Sep 18, 20263.61%▼ from 4.12% Sep 14, 20264.12%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
60 Month Certificate	3.50%	3.55%	60 months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 Minimum Opening Deposit Last Updated 10/30/2026 Rate History No change since Oct 9, 2026 · 3.55% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
60 Month Certificate	3.50%	3.55%	60 months
Min Balance $25,000 Details Balance: $25,000.00 to $99,999.99 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.55% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
60 Month Certificate	3.50%	3.55%	60 months
Min Balance $100,000 Details Balance: $100,000.00 or more Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.55% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
60 Month IRA	3.50%	3.55%	60 Month
Min Deposit $500 Details Balance: $500.00 Minimum Opening Deposit Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.55% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
60 Month IRA	3.50%	3.55%	60 Month
Min Balance $25,000 Details Balance: $25,000.00 - $99,999.99 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.55% APY · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
60 Month IRA	3.50%	3.55%	60 Month
Min Balance $100,000 Details Balance: $100,000.00 - $500,000.00 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.55% APY · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
48 Month Certificate	3.40%	3.45%	48 months
Min Balance $1,000 Details Balance: $1,000.00 to $24,999.99 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.45% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
48 Month Certificate	3.40%	3.45%	48 months
Min Balance $25,000 Details Balance: $25,000.00 to $99,999.99 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.45% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
48 Month Certificate	3.40%	3.45%	48 months
Min Balance $100,000 Details Balance: $100,000.00 or more Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.45% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
48 Month IRA	3.40%	3.45%	48 Month
Min Deposit $500 Details Balance: $500.00 Minimum Opening Deposit Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.45% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
48 Month IRA	3.40%	3.45%	48 Month
Min Balance $25,000 Details Balance: $25,000.00 - $99,999.99 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.45% APY · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
48 Month IRA	3.40%	3.45%	48 Month
Min Balance $100,000 Details Balance: $100,000.00 - $500,000.00 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.45% APY · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
90 Day Certificate	3.40%	3.40%	90 days
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500 Minimum Opening Deposit Last Updated 10/30/2026 Rate History No change since Oct 9, 2026 · 3.40% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
90 Day Certificate	3.40%	3.40%	90 days
Min Balance $25,000 Details Balance: $25,000.00 to $99,999.99 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.40% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
90 Day Certificate	3.40%	3.40%	90 days
Min Balance $100,000 Details Balance: $100,000.00 or more Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.40% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
6 Month Certificate	3.30%	3.30%	6 months
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500 Minimum Opening Deposit Last Updated 10/30/2026 Rate History No change since Oct 9, 2026 · 3.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
6 Month Certificate	3.30%	3.30%	6 months
Min Balance $25,000 Details Balance: $25,000.00 to $99,999.99 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.30% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
6 Month Certificate	3.30%	3.30%	6 months
Min Balance $100,000 Details Balance: $100,000.00 or more Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.30% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
12 Month Student Certificate	2.75%	2.78%	12 months
Min Balance $250 Details Balance: $250.00 or more; Only eligible to students 25 and under Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.78% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%

Horizon Credit Union Savings Rates

Product	Rate	APY
HomeStart Savings	-	3.03%
Details Qualifications Required; Balance: $0.00 - $50,000.00; 0.05% APY paid on balances above $50,000; Bundled with Summit or Replenish Checking; $2,000 lender credit for first-time homebuyers; Rates effective as of September 28, 2026 Last Updated 10/30/2026 Rate History No change since Oct 13, 2026 · 3.03% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Tether Savings	3.00%	3.03%
Min Balance $0 Details Balance: $0.01 - $15,000.00; Bundled with Tether Checking; electronic statements required; bonus dividends require a monthly transfer of $50.00 or more from Tether Checking; balances above $15,000.00 earn the standard dividend rate Last Updated 10/30/2026 Rate History No change since Oct 1, 2026 · 3.03% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Explorer Savings	0.05%	0.05%
Min Balance $5 Details Balance: $5.00 or more Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Insurance Plus Shares	0.05%	0.05%
Min Balance $250 Details Balance: $250.00 or more Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
IRA Shares	0.05%	0.05%
Details Balance: All Balance Ranges Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Value Shares	0.05%	0.05%
Min Balance $250 Details Balance: $250.00 or more Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%

Horizon Credit Union Business Savings Rates

Product	Rate	APY
Small Business Savings	-	0.20%
Min Balance $5,000 Details Balance: $5000.00 or more Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Small Business Savings	-	0.10%
Min Balance $1,500 Details Balance: $1500.00 to $4999.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Small Business Savings	-	0.05%
Min Balance $500 Details Balance: $500.00 to $1499.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%

Horizon Credit Union Checking Rates

Product	Rate	APY
Summit Checking	3.00%	3.03%
Min Balance $50 Details Qualifications Required; Qualifying balance up to $10,000.00; Listed promotional APY is paid on balances up to $10,000 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.03% APY · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Replenish Checking	0.00%	0.00%
Min Balance $0 Details Balance: $0.00 Last Updated 10/30/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Tether Checking	0.00%	0.00%
Min Balance $0 Details Balance: $0.00 Last Updated 10/30/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Youth Checking	0.00%	0.00%
Min Balance $0 Details Balance: $0.00 Last Updated 10/30/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%

Horizon Credit Union Business Checking Rates

Product	Rate	APY
Regular Business Checking	-	0.05%
Min Balance $1,000 Details Balance: $1000.01 or more Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Regular Business Checking	-	0.00%
Min Balance $0 Details Balance: $0.00 to $1000.00 Last Updated 10/30/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%

Horizon Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto / Truck Loans	-	-	5.99%
Details As Low As; Rate shown applies to 2017 or newer model year vehicles or vehicles valued at $10,000 or greater; OAC; Not applicable on internal refinances; Rates displayed are the lowest available to qualified borrowers Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 5.49% → 5.99% ▲ 0.50 pts · high 5.99% / low 5.49% Sep 26, 20265.99%▲ from 5.49% Sep 14, 20265.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%

Horizon Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR
Boat and RV Loans	-	6.49%
Details As Low As; Limited time offer: 90 day no payment, interest continues to accrue; New money only; rate is the lowest available to qualified borrowers and may be higher based on loan type, model year, term, amount financed and credit history; membership fee and restrictions may apply Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.49% APR · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Powersport loan	-	8.49%
Details As Low As; Rate shown applies to 2022 or newer model year vehicles. Powersports covers motorcycles, ATVs, PWCs, UTVs, tractors, trailers and snowmobiles. OAC. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 8.49% APR · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%

Horizon Credit Union Credit Card Rates

Product	Rate	APR	View More
VISA Credit Card	-	12.65%
Details Published APR range: 12.65% to 21.25%. APR for purchases, cash advances and balance transfers: 12.65% to 21.25% when account is opened, then varies with the market based on the prime rate; rate based on credit qualification and the VISA card selected; Penalty APR:; Annual Fee:; Balance Transfer fee: 3% of each transfer (minimum $3.00); Cash Advance fee: 3% of advance (minimum $3.00); Late Payment fee: $15 or 5% of minimum payment, whichever is greater Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 12.65% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%

Horizon Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Unsecured Loan	11.90%
Details As Low As; Fixed rate, terms up to 60 months available depending on credit score and amount financed; rate shown applies to Personal Unsecured, Autos, Boats and RVs 2016 or older model year vehicles or vehicles valued at under $10,000 and Cycle Products 2021 or older model year vehicles; Secured and Unsecured Loans available Last Updated 10/30/2026 Rate History No change since Oct 13, 2026 · 11.90% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%

Horizon Credit Union Other Rates

Product	Rate	Points	APY/APR
Elevate First Lien+ - Fixed	-	-	8.25%
Details As Low As; Fixed APR; Minimum Loan Amount: $50,000.00; Home Equity; Horizon pays most closing costs, member pays title fee and appraisal if required; Membership required Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 8.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Elevate First Lien+ - Variable Loan	-	-	7.00%
Details As Low As; Variable APR; Minimum Loan Amount: $50,000.00; Home Equity; Horizon pays most closing costs, member pays title fee and appraisal if required; Membership required Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Momentum First Lien - Fixed	-	-	8.50%
Details As Low As; Fixed APR; Minimum Loan Amount: $10,000.00; Home Equity 1st Lien; Membership required Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 8.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Momentum First Lien - Variable Loan	-	-	7.00%
Details As Low As; Variable APR; Minimum Loan Amount: $10,000.00; Home Equity 1st Lien; Membership required Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Momentum Introductory Rate - Fixed	-	-	4.99%
Details For 3 months; Fixed APR; Minimum Loan Amount: $10,000.00; $99 annual fee; converts to standard variable rate after introductory period; OAC Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Momentum Introductory Rate - Variable Loan	-	-	4.99%
Details For 3 months; Variable APR; Minimum Loan Amount: $10,000.00; $99 annual fee; converts to standard variable rate after introductory period; OAC Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Momentum Second Lien - Fixed	-	-	9.50%
Details As Low As; Fixed APR; Minimum Loan Amount: $10,000.00; Home Equity 2nd Lien; Membership required Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 9.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Momentum Second Lien - Variable Loan	-	-	7.00%
Details As Low As; Variable APR; Minimum Loan Amount: $10,000.00; Home Equity 2nd Lien; Membership required Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Momentum Standard Rate - Fixed	-	-	9.25%
Details As Low As; Fixed APR; Minimum Loan Amount: $10,000.00; $99 annual fee; OAC Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 9.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Momentum Standard Rate - Variable Loan	-	-	7.00%
Details As Low As; Variable APR; Minimum Loan Amount: $10,000.00; $99 annual fee; OAC Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
High Yield	0.30%	-	0.30%
Min Balance $25,000 Details Balance: $25,000.00 - $74,999.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
High Yield	0.65%	-	0.65%
Min Balance $75,000 Details Balance: $75,000.00 - $149,999.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.65% APY · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
High Yield	0.80%	-	0.80%
Min Balance $150,000 Details Balance: $150,000.00 - $249,999.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.80% APY · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
High Yield	1.50%	-	1.51%
Min Balance $250,000 Details Balance: $250,000.00 or more Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.51% APY · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Horizon Focus	0.10%	-	0.10%
Min Balance $2,500 Details Balance: $2,500.00 - $9,999.99 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Horizon Focus	0.10%	-	0.10%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Horizon Focus	0.10%	-	0.10%
Min Balance $25,000 Details Balance: $25,000.00 or more Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Horizon Vision	0.20%	-	0.20%
Min Balance $0 Details Balance: $0.00 - $24,999.99 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.20% APY · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Horizon Vision	0.20%	-	0.20%
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.20% APY · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Horizon Vision	0.45%	-	0.45%
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.45% APY · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Horizon Vision	0.50%	-	0.50%
Min Balance $100,000 Details Balance: $100,000.00 or more Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
HSA	0.05%	-	0.05%
Min Balance $500 Details Balance: $500.01 or more Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Horizon Credit Union’s Texas Ratio fell from 2.20% in Q3 2023 to 1.61% 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 — this credit union’s entire history sits far below the 15% threshold 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 Grade

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$2.0B	1.61%	5.0	A+
March 31, 2026	$2.0B	0.84%	5.0	A+
December 31, 2025	$2.0B	1.47%	5.0	A+
September 30, 2025	$2.0B	1.46%	5.0	A+
June 30, 2025	$2.0B	1.33%	5.0	A+
March 31, 2025	$2.0B	0.83%	5.0	A+
December 31, 2024	$2.0B	1.50%	5.0	A+
September 30, 2024	$2.0B	1.69%	5.0	A+
June 30, 2024	$2.0B	1.49%	5.0	A+
March 31, 2024	$2.1B	1.40%	5.0	A+
December 31, 2023	$2.1B	3.10%	5.0	A+
September 30, 2023	$2.1B	2.20%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates 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 362

Part-Time Employees 8

Branch Locations 28

ATM Locations 27

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.61%

Return on Assets (ROA)

0.3198%

Return on Equity (ROE)

2.4458%

Non-Performing Loans Ratio (NPL)

0.27%

Total Assets

1,969,420,903

Total Amount of Shares and Deposits

1,619,462,854

Total Shares and Deposits < 1 Year

1,567,085,963

Total Shares and Deposits 1 3 Years

44,869,089

Total Shares and Deposits > 3 Years

7,507,802

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

130,805,581

Total Uninsured Shares and Deposits > $250K (F+J)

130,805,581

Total Insured Shares and Deposits > $250K (item 17 less item K)

1,488,657,273

Total Interest Expense (Sum of items 6 8)

14,376,342

Share Certificates

16,721

Number of Accounts for Share Drafts

52,067

IRA KEOGH Accounts

2,249

Number of Accounts for Regular Shares

60,187

All other shares

729

Money Market Shares

4,836

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)

80,421,947

Total Liabilities

1,705,885,359

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Horizon Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Horizon Credit Union yet. Feel free to create one below.

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Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Horizon Credit Union

Frequently Asked Questions About Horizon Credit Union

Does Horizon Credit Union offer CDs?

Yes. Horizon Credit Union current CD rates include its 12 Month CD at 4.38% APY, its 24 Month CD at 3.61% APY and its 36 Month CD at 3.61% APY, verified by MonitorBankRates as of October 30, 2026.

Are CDs from Horizon Credit Union NCUA insured?

Yes. Horizon Credit Union 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?

The highest Horizon Credit Union CD rate is its 15 Month CD Special at 4.70% APY, verified by MonitorBankRates as of October 30, 2026.

What CD terms does Horizon Credit Union offer?

Horizon Credit Union CD rates are 4.38% APY for a 12 month CD, 3.61% APY for a 2 year CD, 3.61% APY for a 3 year CD, 3.45% APY for a 4 year CD and 3.55% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Horizon Credit Union for its full lineup.

What is the highest savings rate at Horizon Credit Union?

The highest Horizon Credit Union savings rate is its HomeStart Savings at 3.03% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest checking rate at Horizon Credit Union?

The highest Horizon Credit Union checking rate is its Summit Checking at 3.03% APY, verified by MonitorBankRates as of October 30, 2026.

What is the lowest auto loan rate at Horizon Credit Union?

The lowest Horizon Credit Union auto loan rate is its Auto / Truck Loans at 5.99% APR, verified by MonitorBankRates as of October 30, 2026.

What is the lowest personal loan rate at Horizon Credit Union?

The lowest Horizon Credit Union personal loan rate is its Personal Unsecured Loan at 11.90% APR, verified by MonitorBankRates as of October 30, 2026.

What is the lowest credit card APR at Horizon Credit Union?

The lowest Horizon Credit Union credit card APR is its VISA Credit Card at 12.65% APR, verified by MonitorBankRates as of October 30, 2026.

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.

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 rates compare?

Horizon Credit Union's CD rates are 27% higher than the MonitorBankRates national average, and it has an A+ health rating. Horizon Credit Union's top rates are its 15 Month CD Special at 4.70% APY, its HomeStart Savings at 3.03% APY, its Summit Checking at 3.03% APY, its Personal Unsecured Loan at 11.90% APR and its VISA Credit Card at 12.65% APR, verified by MonitorBankRates on October 30, 2026.

Current Horizon Credit Union Rates

12-Month CD2.78%
24-Month CD3.61%
60-Month CD3.55%
Savings3.03%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Horizon Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Horizon Credit Union Texas Ratio

Horizon Credit Union Health Trend

Horizon Credit Union CD Rates

Horizon Credit Union Savings Rates

Horizon Credit Union Business Savings Rates

Horizon Credit Union Checking Rates

Horizon Credit Union Business Checking Rates

Horizon Credit Union Auto Loan Rates

Horizon Credit Union RV, Boat and Powersport Loan Rates

Horizon Credit Union Credit Card Rates

Horizon Credit Union Personal Loan Rates

Horizon Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Horizon Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Horizon Credit Union

Does Horizon Credit Union offer CDs?

Are CDs from Horizon Credit Union NCUA insured?

What is the highest CD rate at Horizon Credit Union?

What CD terms does Horizon Credit Union offer?

What is the highest savings rate at Horizon Credit Union?

What is the highest checking rate at Horizon Credit Union?

What is the lowest auto loan rate at Horizon Credit Union?

What is the lowest personal loan rate at Horizon Credit Union?

What is the lowest credit card APR at Horizon Credit Union?

How many branches does Horizon Credit Union operate?

Is a member application needed to join Horizon Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Horizon Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Horizon Credit Union rates compare?

Current Horizon Credit Union Rates

Compare to Other Credit Unions