Everyday Finances
Finances play a big part in everyone’s life. Let HCU make it a little easier with our everyday finance options.
Member Relationships
At HCU our members are our greatest asset. We reward members with a program with benefits such as loan discounts and special offers. Simply put, the more services and products you use, the more benefits you can qualify for! The number of services that you have with the Credit Union along with your combined account balance (total balance of all deposit types on an individual account number) will determine which benefit level you qualify for.
JOIN THE HCU FAMILY
When you choose to open an account with Horizon Credit Union you become part of our family. With as little as a $5.00 deposit, you will be one of the 13,000+ members that benefit from being part of a Credit Union.
SAVINGS
When you choose to open a savings account with Horizon Credit Union you become part of our family. With as little as a $5.00 deposit, you will be one of the 13,000+ members that benefit from being part of a Credit Union.
CHECKING:
Horizon checking accounts are free of monthly maintenance fees and require no minimum-balance. Completing your everyday banking at HCU is easy, with access to your accounts from virtually anywhere. There are several options available for accessing cash and making deposits, easy online, mobile and phone options to manage your account and several locations for in-person banking.
DEBIT CARDS
Extended time and coverage on your original manufacturer or U.S. store brand warranty on purchases. 60-day price protection on purchases. Access to several identity theft resolution services. Free fraud monitoring protection. Protection against unauthorized online purchases.
CREDIT CARDS
Low rates and exceptional services. Our rates are always low which means you pay less in interest on your outstanding balances than you would with other cards.
There is NO annual fee and the rate stays the same. To learn more about opening a new card contact: 801.451.5064.
YOUTH ACCOUNT
We know it’s a challenge to coach your kids through financial literacy. It’s never too early, or too late, to start giving your kids the foundation and skills they need to make them money smart. Horizon CU has an experienced team to help you educate your children!
Rates
| Account Type | APY | Minimum Deposit | Minimum Balance |
|---|---|---|---|
| CHECKING | 0% | $0 | |
| BUSINESS CHECKING | 0% | $0 | |
| MEMBERSHIP SHARE | 0.1% | $250 | |
| SPECIAL SHARE | 0.1% | $250 | |
| MONEY MARKET | 0.1% | $2000 | $2000 |
| MONEY MARKET | 1.5% | $2000 | $5000 |
| MONEY MARKET | 2.4% | $2000 | $20000 |
| MONEY MARKET | 3.25% | $2000 | $100000 |
*APRs (Annual Percentage Rate) are accurate as of today and are subject to change at any time without prior notice. Please contact HCU for current rates. Loan rates are ‘as low as’ and are based on member eligibility, credit history and term of loan. Rates are subject to change at any time without prior notice. Restrictions may apply.
**APYs (Annual Percentage Yield) Rates are subject to change without notice. Call to verify current rates. Interest on certificates is paid to shares or to the certificate. If not notified within 10 days of the date of maturity, share certificate will automatically renew at the current rate. The interest rate will remain the same for the term of the deposit. A penalty will be imposed for early withdrawal. Fees may reduce earnings.
HCU Cards
HCU credit cards feature low rates and exceptional services. Our rates are always low which means you pay less in interest on your outstanding balances than you would with other cards. There is NO annual fee and the rate stays the same. If you’re still unsure about a credit card you can learn more about credit cards in our financial education center here: CREDIT CARDS. To learn more about opening a new card contact: 801.451.5064.