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Horizon Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/8/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/8/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/8/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/8/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/8/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/8/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.hzcu.org
800-852-5316
13224 E Mansfield Ave Ste 300
Spokane Valley, WA 99216

Horizon Credit Union is headquartered in Spokane Valley and is the 14th largest credit union in the state of Washington. It is also the 253rd largest credit union in the nation. It was established in 1948 and as of March of 2025, it had grown to 366 employees and 109,214 members at 30 locations. Horizon Credit Union's CD rates are 5X the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in Horizon Credit Union is open to individuals who live, work, or worship within the school districts of the State of Washington; the Montana counties of Beaverhead, Broadwater, Cascade, Chouteau, Deer Lodge, Gallatin, Granite, Jefferson, Judith Basin, Lake, Lewis and Clark, Mineral, Missoula, Pondera, Powell, Ravalli, Sanders, Silver Bow or Teton; or the Idaho counties of Ada, Adams, Benewah, Bonner, Boundary, Canyon, Kootenai, Latah, Lewis, Nez Perce, Shoshone, Valley, or Washington. Individuals who live or work in the Oregon counties of Baker, Grant, Malheur, Umatilla, Union, or Wallowa are also eligible to join. Federal employees living or working in Region One (Montana) of the United States Forest Service also qualify for membership.
See current membership details

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Health
A

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #67264
Year Chartered1948
Employees366
Primary Regulator
Profit Margin
Return on Assets - YTD0.42%
Return on Equity - YTD3.39%
Annual Interest Income$25.3MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$1.99B$2.09B
LoansQ1 2025vs Q1 2024$1.68B$1.69B
DepositsQ1 2025vs Q1 2024$1.68B$1.82B
Equity CapitalQ1 2025vs Q1 2024$247.3MM$241.2MM
Loan Loss AllowanceQ1 2025vs Q1 2024$11.6MM$9.7MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$2.1MM$3.5MM
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/8/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/8/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/8/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/8/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/8/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/8/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Horizon Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.03%$50$15kTether Shares
0.20%*$5k*-Small Business Savings
OTHER TIERS: 0.05% → $500 - $1.5k | 0.10% → $1.5k - $5k
0.05%$5k-HSA Checking
0.05%$250-Value Share Savings
0.05%$5-Explorer Savings
0.05%$250-Insurance Plus Shares

Horizon Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.51%*$250k*-High Yield Money Market
OTHER TIERS: 0.30% → $25k - $75k | 0.65% → $75k - $150k | 0.80% → $150k - $250k
0.50%*$100k*$2.5kHorizon Vision Money Market
OTHER TIERS: 0.20% → $0 - $50k | 0.45% → $50k - $100k
0.10%$2.5k-Horizon Focus Money Market

Horizon Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.03%*$50*$10kSummit Checking
OTHER TIERS: 0.05% → $10k+
0.05%$1k-Regular Business Checking

Horizon Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.33%$1k$10m13 Month CD Special - New Money
4.13%$1k-12 Month CD
3.76%$1k-24 Month CD
3.76%$1k-36 Month CD
3.75%$2.5k-90 Day CD
3.70%$2.5k-6 Month CD
3.40%$1k-60 Month CD
3.30%$1k-48 Month CD
2.78%$250$10k12 Month Student CD

Horizon Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.13%$500-12 Month IRA
3.76%$500-24 Month IRA
3.76%$500-36 Month IRA
3.40%$500-60 Month IRA
3.30%$500-48 Month IRA
0.05%$0-IRA Shares
Locations

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