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: 0.05%

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Horizon Credit Union

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Horizon Credit Union Rates & Review September 2026

Q: 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.

Q: 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.

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 22, 2026

Horizon Credit Union's 15 Month CD rates are at 4.12%, 24 Month CD rates are at 4.12%, 24 Month IRA rates are at 4.12%, 36 Month CD rates are at 4.12%, 36 Month IRA rates are at 4.12%. Horizon Credit Union's savings rates are at 0.05%. Horizon Credit Union's Personal Loan Rates are as low as 11.90%. Horizon Credit Union's Credit Card Rates are at 12.65%. 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 0.84%. Rates last updated and verified on 09/22/2026.

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: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.84%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Horizon Credit Union
Main Office

13224 E Mansfield Ave Ste 300
Spokane Valley, WA 99216

https://www.hzcu.org

Horizon Credit Union CD Rates

Product	Rate	APY	Term
15 Month Certificate	4.05%	4.12%	15 Month
Min Deposit $1,000 Details With .50% Bonus** Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.84%
24 Month Certificate	4.05%	4.12%	24 Month
Min Deposit $1,000 Details With .50% Bonus** Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.84%
24 Month IRA	4.05%	4.12%	24 Month
Min Deposit $500 Details With .50% Bonus* Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.84%
36 Month Certificate	4.05%	4.12%	36 Month
Min Deposit $1,000 Details With .50% Bonus** Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.84%
36 Month IRA	4.05%	4.12%	36 Month
Min Deposit $500 Details With .50% Bonus* Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.84%
15 Month Certificate	3.55%	3.61%	15 Month
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000.00 to $99,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.84%
15 Month Certificate	3.55%	3.61%	15 Month
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00 or more; With .50% Bonus** Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.84%
24 Month Certificate	3.55%	3.61%	24 Month
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000.00 to $99,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.84%
24 Month Certificate	3.55%	3.61%	24 Month
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00 or more; With .50% Bonus** Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.84%
24 Month IRA	3.55%	3.61%	24 Month
Min Deposit $500 Min Balance $25,000 Details With .50% Bonus*; Balance: $25,000.00 to $99,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.84%
24 Month IRA	3.55%	3.61%	24 Month
Min Deposit $500 Min Balance $100,000 Details With .50% Bonus*; Balance: $100,000.00 to $500,000.00 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.84%
36 Month Certificate	3.55%	3.61%	36 Month
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000.00 to $99,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.84%
36 Month Certificate	3.55%	3.61%	36 Month
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00 or more; With .50% Bonus** Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.84%
36 Month IRA	3.55%	3.61%	36 Month
Min Deposit $500 Min Balance $25,000 Details With .50% Bonus*; Balance: $25,000.00 to $99,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.84%
36 Month IRA	3.55%	3.61%	36 Month
Min Deposit $500 Min Balance $100,000 Details With .50% Bonus*; Balance: $100,000.00 to $500,000.00 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.84%
60 Month Certificate	3.50%	3.55%	60 Month
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000.00 to $99,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.84%
60 Month Certificate	3.50%	3.55%	60 Month
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00 or more Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.84%
60 Month IRA	3.50%	3.55%	60 Month
Min Deposit $500 Min Balance $25,000 Details Balance: $25,000.00 to $99,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.84%
60 Month IRA	3.50%	3.55%	60 Month
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000.00 to $500,000.00 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.84%
48 Month Certificate	3.40%	3.45%	48 Month
Min Balance $1,000 Details Balance: $1,000.00 to $24,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.84%
48 Month Certificate	3.40%	3.45%	48 Month
Min Balance $25,000 Details Balance: $25,000.00 to $99,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.84%
48 Month Certificate	3.40%	3.45%	48 Month
Min Balance $100,000 Details Balance: $100,000.00 or more Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.84%
48 Month IRA	3.40%	3.45%	48 Month
Min Deposit $500 Min Balance $25,000 Details Balance: $25,000.00 to $99,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.84%
48 Month IRA	3.40%	3.45%	48 Month
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000.00 to $500,000.00 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.84%
90 Day Certificate	3.40%	3.40%	90 Day
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000.00 to $99,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.84%
90 Day Certificate	3.40%	3.40%	90 Day
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000.00 or more Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.84%
12 Month Certificate	3.30%	3.35%	12 Month
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000.00 to $99,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.84%
12 Month Certificate	3.30%	3.35%	12 Month
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00 or more Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.84%
12 Month IRA	3.30%	3.35%	12 Month
Min Deposit $500 Min Balance $25,000 Details Balance: $25,000.00 to $99,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.84%
12 Month IRA	3.30%	3.35%	12 Month
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000.00 to $500,000.00 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.84%
6 Month Certificate	3.30%	3.30%	6 Month
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000.00 to $99,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.84%
6 Month Certificate	3.30%	3.30%	6 Month
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000.00 or more Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.84%
12 Month Student	2.75%	2.78%	12 Month
Min Balance $250 Details Balance: $250.00 to $10,000.00 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.84%

Horizon Credit Union Savings Rates

Product	Rate	APY
HomeStart Savings	-	3.03%
Min Balance $50,000 Details Qualifications Required: 1 direct deposit or ACH credit; 15 debit card transactions; e-statements enrollment; online banking enrollment/login; Listed promotional APY paid on balances up to $50,000; 0.05% APY paid on balances above $50,000. To qualify for bonus dividends, you must Bundle with a Horizon checking account (excluding - Tether and Explorer Checking). Log on to online banking at least one time each calendar month. Receive at least one direct deposit that successfully posts to an account in the membership each calendar month. Conduct a minimum of 15 debit card transactions via the checking account in each calendar month. Be enrolled in electronic statements. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.84%
Tether Savings	3.00%	3.03%
Min Balance $50 Details Balance: $50.00 - $15,000.00 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.84%
Small Business Savings	-	0.20%
Min Balance $5,000 Details Balance: $5000.00 or more Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.84%
Small Business Savings	-	0.10%
Min Balance $1,500 Details Balance: $1500.00 to $4999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.84%
Explorer Savings	0.05%	0.05%
Min Balance $5 Details Balance: $5.00 or more Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.84%
Small Business Savings	-	0.05%
Min Balance $500 Details Balance: $500.00 to $1499.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.84%

Horizon Credit Union Checking Rates

Product	Rate	APY
Summit Checking	3.00%	3.03%
Min Balance $50 Details Balance: $50.00 to $10,000.00 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.84%
Summit Checking	-	3.03%
Min Balance $10,000 Details Qualifications Required: 1 direct deposit or ACH credit; agree to receive online statements; fifteen purchases using your debit card; log into online banking at least one time; Qualifying balance up to $10,000.00; OAC. APY = Annual Percentage Yield. Rates and offer details are subject to change without notice. Membership fee may apply. The rates and terms shown are effective as of September 17, 2026. For the most current rates available contact us at 800.852.5316 . Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.84%
Regular Business Checking	-	0.05%
Min Balance $1,000 Details Balance: $1000.01 or more Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.84%
Summit Checking	0.05%	0.05%
Min Balance $10,000 Details Balance: $10,000.01 or more Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.84%

Horizon Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto / Truck Loans	-	-	5.49%
Details OAC. APR = Annual percentage rate. Not applicable on internal refinances. Rate shown applies to 2017 or newer model year vehicles or vehicles valued at $10,000 or greater. Loan rates available on approved credit. Loan rates subject to change without notice. Rates displayed are the lowest available to qualified borrowers. Your rate may be higher and will be determined by loan type, applicable fees, the terms you request, the amount you finance and your credit history. Membership fee and restrictions may apply. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.84%

Horizon Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR
Boat and RV Loans	-	6.49%
Details As low as; OAC. Limited time offer. 90 day no payment. Interest continues to accrue. Rate displayed is the lowest available to qualified borrowers; your rate may be higher and will be determined by the loan type, model year, term, amount you finance and your credit history. New money only. Membership fee and restrictions may apply. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.84%
Powersport loan	-	8.49%
Details OAC. APR = Annual percentage rate. Powersports covers a broad range of cycle products including but not limited to motorcycles, ATVs, PWCs, UTVs, tractors, trailers and snowmobiles. Rate shown applies to 2022 or newer model year vehicles. Loan rates are available on approved credit. Loan rates are subject to change without notice. Rates displayed are the lowest available to qualified borrowers. Your rate may be higher and will be determined by loan type, applicable fees, the terms you request, the amount you finance and your credit history. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.84%

Horizon Credit Union Credit Card Rates

Product	Rate	APR	View More
VISA Credit Card	-	12.65%
Details Published APR range: 12.65% to 21.00%. Your rate is based on your credit qualification and the VISA Credit Card that you select. After that, your APR will vary with the market based on the prime rate. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.84%

Horizon Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Unsecured Loan	11.90%	up to 60 months
Details As low as 11.90%; 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. OAC. APR = Annual Percentage Rate. Loan rates are available on approved credit. Loan rates are subject to change without notice. Rates displayed are the lowest available to qualified borrowers. Your rate may be higher and will be determined by loan type, applicable fees, the terms you request, the amount you finance, and your credit history. Secured and Unsecured Loans are available. Qualified borrowers can receive financing for personal loan needs including Dental, Vision, Cosmetics Procedures, Computers, Lawn Tractors, Older Autos, Snowmobiles, ATVs, Boats and RVs. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.84%

Horizon Credit Union Other Rates

Product	Rate	Points	APY/APR
Elevate First Lien+ Loan	6.75%	-	8.25%
Details As low as; Variable Annual Percentage Rate (APR); Fixed Annual Percentage Rate (APR) Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.84%
Momentum First Lien Loan	6.75%	-	8.25%
Details As low as; Variable Annual Percentage Rate (APR); Fixed Annual Percentage Rate (APR) Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.84%
Momentum Introductory Rate Loan	4.99%	-	4.99%
Details For 3 months; Variable Annual Percentage Rate (APR); Fixed Annual Percentage Rate (APR) Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.84%
Momentum Second Lien Loan	7.00%	-	9.25%
Details As low as; Variable Annual Percentage Rate (APR); Fixed Annual Percentage Rate (APR) Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.84%
Momentum Standard Rate Loan	7.00%	-	9.25%
Details As low as; Variable Annual Percentage Rate (APR); Fixed Annual Percentage Rate (APR) Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.84%
High Yield	0.30%	-	0.30%
Min Balance $25,000 Details Balance: $25,000.00 - $74,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.84%
High Yield	0.65%	-	0.65%
Min Balance $75,000 Details Balance: $75,000.00 - $149,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.84%
High Yield	0.80%	-	0.80%
Min Balance $150,000 Details Balance: $150,000.00 - $249,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.84%
High Yield	1.50%	-	1.51%
Min Balance $250,000 Details Balance: $250,000.00 or more Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.84%
Horizon Focus	0.10%	-	0.10%
Min Balance $2,500 Details Balance: $2,500.00 - $9,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.84%
Horizon Focus	0.10%	-	0.10%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.84%
Horizon Focus	0.10%	-	0.10%
Min Balance $25,000 Details Balance: $25,000.00 or more Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.84%
Horizon Vision	0.20%	-	0.20%
Min Balance $0 Details Balance: $0.00 - $24,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.84%
Horizon Vision	0.20%	-	0.20%
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.84%
Horizon Vision	0.45%	-	0.45%
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.84%
Horizon Vision	0.50%	-	0.50%
Min Balance $100,000 Details Balance: $100,000.00 or more Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.84%
HSA	0.05%	-	0.05%
Min Balance $500 Details Balance: $500.01 or more Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.84%
Insurance Plus Shares	0.05%	-	0.05%
Min Balance $250 Details Balance: $250.00 or more Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.84%
IRA Shares	0.05%	-	0.05%
Details All Balance Ranges Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.84%
Value Shares	0.05%	-	0.05%
Min Balance $250 Details Balance: $250.00 or more Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.84%

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.
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Financial Health History

Horizon Credit Union’s Texas Ratio fell from 2.04% in Q2 2023 to 0.84% in Q1 2026, so its financial health has improved and is now 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
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+
June 30, 2023	$2.1B	2.04%	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 365

Part-Time Employees 9

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+ (100/100)

Texas Ratio

0.84%

Return on Assets (ROA)

0.1365%

Return on Equity (ROE)

1.0766%

Non-Performing Loans Ratio (NPL)

0.14%

Total Assets

2,002,353,464

Total Amount of Shares and Deposits

1,678,065,009

Total Shares and Deposits < 1 Year

1,651,865,960

Total Shares and Deposits 1 3 Years

18,613,049

Total Shares and Deposits > 3 Years

7,586,000

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

132,597,625

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

132,597,625

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

1,545,467,384

Total Interest Expense (Sum of items 6 8)

7,484,491

Share Certificates

17,550

Number of Accounts for Share Drafts

52,229

IRA KEOGH Accounts

2,265

Number of Accounts for Regular Shares

60,830

All other shares

737

Non Member Deposits

Money Market Shares

4,926

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)

107,005,087

Total Liabilities

1,741,780,153

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Horizon Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About Horizon Credit Union

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

12-Month CD2.78%
24-Month CD3.61%
60-Month CD3.55%
Savings0.05%

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

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Horizon Credit Union Rates & Review September 2026

Brian McKay

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Frequently Asked Questions About 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?

Current Horizon Credit Union Rates

Compare to Other Credit Unions