☰

Home›
Banks›
Horizon Financial Bank

iAdvertiser Disclosure

Horizon Financial Bank Rates & Review March 2026

Q: How many branches does Horizon Financial Bank operate?

Horizon Financial Bank currently maintains approximately 5 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Horizon Financial Bank 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 Financial Bank 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: March 20, 2026

You can compare Horizon Financial Bank rates to other rates in our database, including 12-month CD rates currently at 3.80%, 6-month CD rates at 3.00% and 3-month CD rates at 0.10%. Savings rates are at 0.10% and money market rates are at 0.50%. Mortgage rates on 30-year fixed loans are around 6.00%. All these rates can be compared to Horizon Financial Bank rates. MonitorBankRates evaluates the financial stability of Horizon Financial Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.53%. Rates were last updated on 03/20/2026.

Horizon Financial Bank 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 Financial Bank? Share your experience about Horizon Financial Bank by leaving a review below, or read customer reviews before you decide to use Horizon Financial Bank.

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.53%

Excellent Lower than avg

Horizon Financial Bank

416 Main St
Munich, ND 58352

https://www.HorizonFinancialBank.com

Current Rate Availability

We do not have Horizon Financial Bank rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Horizon Financial Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer 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 bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Horizon Financial Bank 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 Financial Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Horizon Financial Bank

Bank Holding Company MUNICH BANCSHARES INC

Address 416 Main St, Munich, ND 58352 · Cavalier

Website https://www.HorizonFinancialBank.com

FDIC Certificate # 15598

Established 01/01/1905

FDIC Insurance Date 05/02/1938

Domestic Offices 5

Total Branches 5

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 99/100

5.0

Exceptional Out of 5.0 Stars

2.53%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.8007%

Return on Equity (ROE) 7.9400%

Non-Performing Loans (NPL) 0.24%

Total Assets $206,010,000

Total Deposits $176,827,000

Equity Capital $22,409,000

Net Income $2,114,000

Headquarters Munich

Total Offices 5

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

There are no reviews for Horizon Financial Bank yet. Feel free to create one below.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Horizon Financial Bank

Frequently Asked Questions About Horizon Financial Bank

Is Horizon Financial Bank a safe place to deposit money?

Yes, Horizon Financial Bank is considered a safe financial institution. With a Texas Ratio of 2.5316455696203%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

How many branches does Horizon Financial Bank operate?

Horizon Financial Bank currently maintains approximately 5 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Horizon Financial Bank 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 Financial Bank provides members with tools to manage their accounts and build a solid financial history.

Does Horizon Financial Bank offer online and mobile banking?

Most modern institutions like Horizon Financial Bank 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.HorizonFinancialBank.com.