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Horizon Credit Union


Overview / Commentary
www.hzcu.org
800-852-5316
13224 E Mansfield Ave Ste 300
Spokane Valley, WA 99216-1653

Horizon Credit Union is headquartered in Spokane Valley and is the 15th largest credit union in the state of Washington. It is also the 297th largest credit union in the nation. It was established in 1948 and as of September of 2019, it had grown to 238 employees and 75,284 members at 22 locations. Horizon Credit Union's money market rates are 3X 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, worship or work in the school districts of the state of Washington; the Montana counties of Beaverhead, Broadwater, Deer Lodge, Gallatin, Granite, Jefferson, Lake, Lewis and Clark, Mineral, Missoula, Powell, Ravalli, Sanders, and Silver Bow; or the Idaho counties of Benewah, Bonner, Boundary, Kootenai, Latah, Lewis, Nez Perce, and Shoshone. Federal employees living or working in Region One of the United States Forest Service are also eligible to join.
See current membership details

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Health
A

Data as of Q3 2019

Learn why bank health matters

Health Grade Components

Overall
NCUA #67264
Year Chartered1948
Employees238
Primary Regulator
Profit Margin
Return on Assets - YTD1.16%
Return on Equity - YTD9.71%
Annual Interest Income$34.6MM
Assets and Liabilities
AssetsQ3 2019vs Q3 2018$1.09B$1.06B
LoansQ3 2019vs Q3 2018$902.4MM$818.1MM
DepositsQ3 2019vs Q3 2018$945.9MM$919.9MM
Equity CapitalQ3 2019vs Q3 2018$129.6MM$116.7MM
Loan Loss AllowanceQ3 2019vs Q3 2018$4.0MM$3.8MM
Unbacked Noncurrent LoansQ3 2019vs Q3 2018$1.5MM$971.00K
Real Estate OwnedQ3 2019vs Q3 2018$281.00K$46.00K
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
2.01%$50$15kTether Shares
0.05%$5k-HSA Checking
0.05%$250-Value Share Savings
0.05%$5-Explorer Savings
0.05%$500-Overdraft Share Savings
0.05%--IRA Shares

Horizon Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.26%*$250k*-High Yield Money Market
OTHER TIERS: 0.50% → $25k - $75k | 0.75% → $75k - $150k | 1.00% → $150k - $250k
0.50%*$100k*-Horizon Vision Money Market
OTHER TIERS: 0.20% → $25k - $50k | 0.35% → $50k - $100k
0.20%*$25k*-Horizon Focus Money Market
OTHER TIERS: 0.10% → $2.5k - $10k | 0.15% → $10k - $25k

Horizon Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$1k-Horizon Bridge Checking

Horizon Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.43%$5k-36 Month Step-Up CD
1.91%$1k-15 Month CD Special
1.71%*$25k*-60 Month CD
OTHER TIERS: 1.66% → $1k - $25k
1.70%$25k-9 Month No Penalty CD Special
1.66%*$25k*-48 Month CD
OTHER TIERS: 1.61% → $1k - $25k
1.61%*$100k*-24 Month CD
OTHER TIERS: 1.51% → $1k - $25k | 1.56% → $25k - $100k
1.61%*$25k*-36 Month CD
OTHER TIERS: 1.56% → $1k - $25k
1.27%$250-12 Month Student CD Special
1.20%*$100k*-12 Month CD
OTHER TIERS: 1.10% → $1k - $25k | 1.15% → $25k - $100k
0.85%*$100k*-6 Month CD
OTHER TIERS: 0.75% → $2.5k - $25k | 0.80% → $25k - $100k
0.40%*$100k*-90 Day CD
OTHER TIERS: 0.30% → $2.5k - $25k | 0.35% → $25k - $100k

Horizon Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.71%*$25k*-60 Month IRA
OTHER TIERS: 1.66% → $500 - $25k
1.66%*$25k*-48 Month IRA
OTHER TIERS: 1.61% → $500 - $25k
1.61%*$100k*-24 Month IRA
OTHER TIERS: 1.51% → $500 - $25k | 1.56% → $25k - $100k
1.61%*$25k*-36 Month IRA
OTHER TIERS: 1.56% → $500 - $25k
1.20%*$100k*-12 Month IRA
OTHER TIERS: 1.10% → $500 - $25k | 1.15% → $25k - $100k
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