PO Box 15128
Spokane Valley, WA 99215

Notable Rates APY Vs.Others
Savings 0.05% 2.20% →
1-Year CD 1.20% 2.20% →
2-Year CD 1.61% 2.20% →
5-Year CD 1.71% 2.60% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2020 Overview

General Credit Union Information

Horizon is an NCUA insured institution located in Spokane Valley, WA. It was founded in 1948 and has approximately $1086.36 millions in assets.

Who can join?

Persons who reside, work, or worship within the school districts of the State of Washington

Persons who reside, work, or worship within Boundary, Bonner, Kootenai, Benewah, Shoshone, Latah, Nez Perce, and Lewis Counties of Idaho

Persons who reside, work, or worship within Missoula, Granite county, lake county, Mineral, Powell, Ravalli, Sanders

Spouses of persons who died while within the field of membership of the Credit Union; employees of the Credit Union; persons retired as pensioners or annuitants from the above employment; members of their immediate families, and organizations of such persons.

NCUA Insured Yes
Charter Number # # 67264
Date Established 1948
Assets $1,086.36 million
Loans $858.99 million
Deposits $945.50 million
Capital $125.18 million

Field of Membership Restrictions

Membership in Horizon Credit Union is open to the following: (1) those who live, worship or work in the school districts of the state of Washington; (2) those who live or work in the cities of Missoula, Granite, Lake, Mineral, Powell, Ravalli, and Sanders in Montana; (3) those who live, worship or work in Boundary, Bonner, Kootenai, Benewah, Shoshone, Latah, Nez Perce, and Lewis Counties of Idaho; (4) those who live, worship or work in Beaverhead, Broadwater, Deer Lodge, Gallatin, Jefferson, Lewis and Clark, and Silver Bow Counties in Montana; (5) Federal employees living or working in Region One of the United States Forest Service.

Deposit Rates - February 21, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.50% $25,000 $74,999 Learn MoreShow Less
1.10% $500 $24,999 Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
0.30% $2,500 $24,999 Learn MoreShow Less
3 Mo CD
0.40% $100,000 - Learn MoreShow Less
0.75% $2,500 $24,999 Learn MoreShow Less
6 Mo CD
0.85% $100,000 - Learn MoreShow Less
Special: 9 Mo CD
1.70% $25,000 - Learn MoreShow Less
1.10% $1,000 $24,999 Learn MoreShow Less
12 Mo CD
1.20% $100,000 - Learn MoreShow Less
Special: 15 Mo CD
1.91% $1,000 - Learn MoreShow Less
1.51% $1,000 $24,999 Learn MoreShow Less
24 Mo CD
1.61% $100,000 - Learn MoreShow Less
1.56% $1,000 $24,999 Learn MoreShow Less
36 Mo CD
1.61% $100,000 - Learn MoreShow Less
1.61% $1,000 $24,999 Learn MoreShow Less
48 Mo CD
1.66% $100,000 - Learn MoreShow Less
1.66% $1,000 $24,999 Learn MoreShow Less
60 Mo CD
1.71% $100,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.05% $1 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1,000 - Learn MoreShow Less

Loan Rates - February 21, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for HORIZON

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: MC-3098
3.284% 3.250% 0.38 $1,070 $1,089 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.793% 4.750% 0.00 $1,250 $1,305 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info

To upload and update your bank's rates please register. It is free to register and add rates.


Below are Horizon branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

Horizon Locations

Financial Details

Horizon Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Horizon. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Horizon U.S. Average
2.55% 5.86

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of June 30, 2019, Horizon had $2,129,446 in non-current loans and $1,167,758 in owned assets. To cover these potential losses it had $125,179,194 in net worth and $3,954,199 in loans loss reserves. That gives it a Texas Ratio of 2.55%.

Net Worth
Horizon U.S. Average
11.52% 13.65%

Horizon FCU has a net worth of 11.52% versus the BestCashCow average of 13.65. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Horizon

Branches and Savings

What is Horizon?

A federal credit union, registered with the NCUA under certificate #67264.
Learn more about credit unions here.

Is Horizon FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Horizon?

Please see Field of Membership information above for information on who is eligible to join.

What are Horizon's share account and share certificate rates?

Horizon's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Horizon?

Horizon has total capital of $125.18 million. Full information on Horizon's financial position is located above.

Who owns Horizon?

Credit Unions are owned by their members.

Where are Horizon branches located?

See branch locations nearby.

Are Horizon ATMs Open 24/7?

Do Horizon ATMs accept cash deposits?

Can Horizon customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Horizon have a mobile app?

Does Horizon have mobile deposit?

Does Horizon have quick pay?

How can Horizon transfer money to other banks or credit unions?

Does Horizon report to credit bureaus?

Does Horizon use Chexsystems?

Does Horizon use Equifax?

What is Horizon's toll free phone number?

What is Horizon's ACH Routing Number?

What is Horizon's SWIFT code?

Where can I find Horizon's wire transfer form?

What is the Horizon address for deposits?

What Products Does Horizon Offer

Does Horizon offer mortgages?

Compare mortgage rates here.

Does Horizon offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Horizon offer auto and RV loans?

Compare auto loan rates here.

Does Horizon offer student loans or personal loans?

Compare personal loan rates here.

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