Horizon Credit Union (WA/ID/MT) Debuts 34-Month Special CD

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Deal Summary: 34-month Special Certificate, 3.25% APY (w/checking), 2.99% APY (w/o checking), $1k minimum deposit. 26-month New Deposit Special Certificate, 3.04% APY (w/checking), 2.78% APY (w/o checking), $1k minimum deposit, new money.

Availability: Residents of Washington State, eight Idaho Panhandle counties, and 14 western Montana counties.

Horizon Credit Union (Horizon CU) has once again added a new, competitive Certificate Special. The latest addition to the product line is a 34-month Special Certificate that earns 3.25% APY when coupled with a direct deposit to a Horizon CU checking account; without the checking relationship, the APY is 2.99%. This limited-time offer does not require new money to earn the stated APY.

As stated in the Truth In Savings disclosure, the Early Withdrawal Penalty for Horizon CU’s Special Certificates reads as follows:

The penalty is forfeiture of all dividends earned
and paid to the account at time of early withdrawal.

26-month New Deposit Special Certificate

Just two weeks ago, I wrote about Horizon CU’s 26-month New Deposit Special Certificate (3.04% APY), which requires new money and a direct deposit to a Horizon CU checking account. Without the checking relationship, the 26-month Certificate earns 2.78% APY. The minimum deposit is $1k, with no stated balance cap. This limited-time offer is still available.

APYMINMAXINSTITUTIONPRODUCTDETAILS
2.42*%$50k-Horizon Credit Union26 Month CD Special
OTHER TIERS: 1.91% $10k - $50k
Rates as of December 13, 2018.

Excess Share Insurance

Horizon CU offers Excess Share Insurance, which provides an additional $250k of coverage beyond the NCUA’s standard $250k coverage.

With ESI Excess Share Insurance in place, a member may have as much as an additional $250,000 of coverage, raising their total deposit insurance protection on their individual share accounts to as much as $500,000.

Availability

Headquartered in Spokane Valley, Washington, Horizon Credit Union’s field of membership (FOM) is primarily residency based, with individuals who live, work, or worship in any of the following locales eligible to join:

Washington State – all school districts.

Idaho Counties – Benewah, Bonner, Boundary, Kootenai, Latah, Lewis, Nez Perce, and Shoshone.

Montana Counties – Beaverhead, Broadwater, Deer Lodge, Gallatin, Granite, Jefferson, Lake, Lewis and Clark, Mineral, Missoula, Powell, Ravalli, Sanders, and Silver Bow.

In addition, federal employees living or working in Region One of the United States Forest Service are also eligible for membership.

Joining Horizon Credit Union and/or opening a Special Certificate can be done at any of the 22 full-service branches located in Washington (Colville, Davenport, Deer Park, Ephrata, Liberty Lake, Moses Lake [2], Spokane [3] and Spokane Valley [4]); Idaho (Coeur de Alene, Ponderay, Post Falls, and Sandpoint); and Montana (Butte, Missoula [2], and Warm Springs).

Credit Union Overview

Horizon Credit Union has an overall health grade of "A+" at DepositAccounts.com, with a Texas Ratio of 1.53% (excellent) based on March 31, 2018 data. In the past year, Horizon CU has increased its total non-brokered deposits by $47.74 million, an excellent annual growth rate of 5.95%. Please refer to our financial overview of Horizon Credit Union (NCUA Charter # 67264) for more details.

Horizon Credit Union was originally founded in 1947 as the Kaiser Employees Federal Credit, for the financial benefit of Kaiser Aluminum employees. By 1966, the Credit Union’s assets had reached $2 million, and soon thereafter, a series of charter expansions began. The Horizon Credit Union re-brand occurred in 1991, following the change from a federal to a state charter. Mergers with eight other credit unions (located in Washington, Idaho, and Montana), further expanded the FOM. Currently the 16th largest credit union in Washington, Horizon Credit Union currently has more than 71,500 members and assets in excess of $987 million.

How the Special Certificates Compare

When compared to the 233 similar length-of-term CDs tracked by DepositAccounts.com, which require a similar minimum deposit and are available with the FOM, Horizon Credit Union's 34-month Special Certificate APYs currently rank first and third.

When compared to the 233 similar length-of-term CDs tracked by DepositAccounts.com, which require a similar minimum deposit and are available with the FOM, Horizon Credit Union's 26-month New Deposit Special Certificate APYs currently rank first and third.

The above rates are accurate as of 6/13/2018.

Looking for the best CD rates, either nationwide and in your state? Please refer to our CD Rates Table page.

Related Pages: Butte CD rates, Missoula CD rates, Spokane CD rates, 5-year CD rates

Comments
Horizon Credit Union (WA/ID/MT) Adds 13-Month New Special CD
Deal Summary: 13-month New Special Certificate, 2.53% APY, $1k minimum deposit. 26-month New Deposit Special Certificate, 3.04% APY (w/checking), 2.78% APY (w/o checking), $1k minimum deposit, new money.

Availability: Residents of Washington State, eight Idaho Panhandle counties, and 14 western Montana counties.

In the past couple of years, Washington-based Horizon Credit Union (Horizon CU) has had a series of competitive Certificate Specials. Rather than just raising the rates on these limited-time Specials, Horizon CU likes to do Certificate “re-boots,” truly making them special. The 13-month...

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Horizon Credit Union (WA/ID/MT) Adds 60-Month Special CD

UPDATE 5/7/2018: No longer requires a checking account or direct deposit. 3.04% APY is being promoted as "available for a limited time."

Deal Summary: 60-month Special Certificate, 3.04% APY, $1k minimum deposit, direct deposit to a Horizon Credit Union checking account required.

Availability: Residents of Washington State, eight Idaho Panhandle counties, and 14 western Montana counties.

Washington-based Horizon Credit Union (Horizon CU) has added a limited-time 60-month Special Certificate that can earn 3.04% APY. The minimum opening deposit is $1k, with no stated balance cap.

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Horizon Credit Union (WA/ID/MT) Offers 26-month Special CD
Deal Summary: 26-month Special Certificate, 2.32% APY, $1k minimum, new money.

Availability: Residents of Washington State, eight Idaho Panhandle counties, and 14 western Montana counties.

Washington-based Horizon Credit Union (Horizon CU) is currently offering a limited-time 26-month Special Certificate that earns 2.32% APY. The minimum opening deposit is $1k of new money, with no stated balance cap. Horizon CU offers Excess Share Insurance, which provides an additional $250k of coverage beyond the NCUA’s standard $250k coverage.

I had a conversation with a Member Services Representative (MSR) concerning...

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Horizon CU (WA/ID/MT) Ups 15-Month Special CD Rate
Deal Summary: 15-month Special Certificate - 2.02% APY, direct deposit to a checking account required; 1.76% APY, without direct deposit; $10k minimum, new money.

Availability: Residents of Washington State, eight Idaho Panhandle counties, and 14 western Montana counties.

Washington-based Horizon Credit Union (Horizon CU) ended last week by raising the rate on its 15-month Special Certificate up to 2.02% APY. The minimum opening deposit is $10k of new money, with no stated balance cap. (Horizon CU offers Excess Share Insurance, which provides an additional $250k of coverage...

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Horizon Credit Union Has 13- And 26-Month Special Certificates
Deal Summary: 13-month Special Certificate (1.46% APY, $1k minimum); 26-month Special Certificate (1.71% APY, $1k minimum, new money).

Availability: Residents of Washington State, eight Idaho Panhandle Counties, and 14 western Montana Counties.

Washington-based Horizon Credit Union (Horizon CU) has raised the rates on its 13-month Special Certificate (1.46% APY) and 26-month Special Certificate (1.71% APY). The minimum opening deposit is $1k, with no stated balance cap. According to the fine print on the Rates page, the 26-month Special Certificate requires new money, while the 13-month Special...

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