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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

Horizon Credit Union is headquartered in Spokane Valley and is the 13th largest credit union in the state of Washington. It is also the 237th largest credit union in the nation. It was established in 1948 and as of December of 2023, it had grown to 407 employees and 112,336 members at 32 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 Q4 2023

Learn why bank health matters

Health Grade Components

Overall
NCUA #67264
Year Chartered1948
Employees407
Primary Regulator
Profit Margin
Return on Assets - YTD0.27%
Return on Equity - YTD2.35%
Annual Interest Income$95.9MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$2.05B$2.08B
LoansQ4 2023vs Q4 2022$1.71B$1.65B
DepositsQ4 2023vs Q4 2022$1.79B$1.8B
Equity CapitalQ4 2023vs Q4 2022$240.5MM$237.8MM
Loan Loss AllowanceQ4 2023vs Q4 2022$9.3MM$5MM
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$7.6MM$5.7MM
Real Estate OwnedQ4 2023vs Q4 2022$0$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not Horizon Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* 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%--IRA Shares
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% → Up to $50k | 0.45% → $50k - $100k
0.10%$2.5k-Horizon Focus Money Market

Horizon Credit Union Checking Account Rates

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

Horizon Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.59%$1k-12 Month CD
3.75%$2.5k-6 Month CD
3.04%$1k-24 Month CD
2.78%$250$10k12 Month Student CD
2.37%$1k-60 Month CD
2.27%$1k-36 Month CD
2.22%$1k-48 Month CD
1.00%$2.5k-90 Day CD

Horizon Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.59%$500-12 Month IRA
3.04%$500-24 Month IRA
2.37%$500-60 Month IRA
2.27%$500-36 Month IRA
2.22%$500-48 Month IRA
Locations

Availability

Missoula Area

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