Dedicated to Deposits: Deals, Data, and Discussion
Horizon CU (WA)1.11%$1k-18 Month Special CD
Accounts mentioned in this post. Rates as of August 23, 2014

Hot 18-Month CD Special at Horizon Credit Union in WA, ID and MT


Horizon CU (WA)

There is competition for your money in the Spokane area of Washington State. Yesterday, I reported on the CD special at Numerica Credit Union. Today I came across an even better CD special at Horizon Credit Union. It’s an 18-month CD with a 2.02% APY. Minimum deposit is $10,000, and new money is required. The offer is scheduled to end on August 30. This CD special is listed in the credit union’s certificates rates page as of 8/9/2013.

Credit union membership is open to residents of Washington State, parts of northern Idaho and parts of Montana around Missoula. Please refer to the credit union’s membership page for the full details.

Horizon Credit Union branches are located in the Washington cities of Spokane, Spokane Valley, Liberty Lake, Deer Park, Colville, Davenport, Moses Lake and Ephrata; in the Idaho cities of Coeur d'Alene, Ponderay, Sandpoint and Post Falls; and in the Montana city of Missoula.

The credit union has an overall health score at of 5 stars (out of 5) with a Texas ratio of 4.35% (excellent) based on March 2013 data. Please refer to our financial overview of Horizon Credit Union for more details. The credit union is federally insured by the NCUA (Charter # 67264).

How This CD Rate Compares

The highest 18-month CD rate that’s nationally available is 1.10% APY at GE Capital Bank. The best nationwide CD special with a term around 18 months is the 15-month CD at Aspire Federal Credit Union. It has a 1.25% APY. These rates are accurate a of 8/9/2013.

To search for nationwide CD rates and CD rates in your state, please refer to the best CD rates section of

  Tags: Horizon CU (WA), Washington, Idaho, Montana, CD rates

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Comment #1 by Anonymous posted on
Has anyone actually been able to buy this CD by mail?  I tried to do it online but their authentication failed due to a problem on their site, and was told I couldn't do it.  Then I found a branch manager who said I could send in a notarized letter, but when I went to the effort to do exactly that, they said they couldn't accept it due to Patriot Act.  Then I offered to come in person even though it was a 4 hour drive, and then they said they couldn't let me open an account because I have a security freeze on my credit report.  I've had a security freeze for years and during that time no bank has ever had to run a credit check on me for a deposit, especially an 18mo verifiable one.  It seems like they really don't want to offer this deal - bait and switch perhaps?

Comment #2 by lou posted on
Why don't you temporarily lift the security freeze?

Comment #3 by Anonymous posted on
Set up the act. At Horizon on Weds. Of last week. Linked to my bank act. on Friday and I wired the money for the CD today (Monday). Friendly Horizon employee called back to verify the funds had been deposited and will be sending me the CD in the mail today. Worked great for me. At over double the national average for a CD of this term and federally insured, why wait? Friday 8-30 last day available

Comment #4 by lou posted on
#3, do you live in Washington or Idaho?

Comment #5 by Anonymous posted on
Live in WA. Did everything over the internet