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Rates

As a Utah-based credit union, Horizon Credit Union is committed to supporting the educators, students, employees, and families who strengthen our communities. That’s why we offer competitive rates and valuable financial benefits to members connected to organizations such as the Davis Education Foundation, Davis School District, Davis Technical College, and Lifetime Products.

Savings Rates - Effective Saturday, August 15, 2026
APYMinimum
Deposit
Minimum
Balance
CHECKING0% $0
BUSINESS CHECKING0% $0
MEMBERSHIP SHARE0.05% $250
SPECIAL SHARE0.05% $250
MONEY MARKET0.05%$2000$2000
MONEY MARKET0.9%$2000$5000
MONEY MARKET1.65%$2000$20000
MONEY MARKET2.6%$2000$100000
TRAD IRA SHARE0.05% $250
TRAD IRA SHARE0.05% $2000
TRAD IRA SHARE0.9% $5000
TRAD IRA SHARE1.65% $20000
TRAD IRA SHARE2.6% $100000
ROTH IRA SHARE0.05% $250
ROTH IRA SHARE0.05% $2000
ROTH IRA SHARE0.9% $5000
ROTH IRA SHARE1.65% $20000
ROTH IRA SHARE2.6% $100000
DEDICATED SAVINGS1.1% $0
Loan Rates - Effective Saturday, August 15, 2026
Loan TypeRates as low asTerms & Information
Auto Loan 36 Months »4.44%36 MGREAT RATES FLEXIBLE TERMS AVAILABLE 24/7
Auto Loan 48 Months »4.69%48 MGREAT RATES FLEXIBLE TERMS AVAILABLE 24/7
Auto Loan 60 Months »4.69%60 MGREAT RATES FLEXIBLE TERMS AVAILABLE 24/7
Auto Loan 72 Months »4.94%72 MGREAT RATES FLEXIBLE TERMS AVAILABLE 24/7
Auto Loan 84 Months »5.69%84 MGREAT RATES FLEXIBLE TERMS AVAILABLE 24/7
Rec. Vehicle (Large) 48 Months »7.89%48 MMotor Homes, Boats, Campers, Travel Trailers...
Rec. Vehicle (Large) 60 Months »7.89%60 MMotor Homes, Boats, Campers, Travel Trailers...
Rec. Vehicle (Large) 72 Months »7.89%72 MMotor Homes, Boats, Campers, Travel Trailers...
Rec. Vehicle (Large) 84 Months »7.89%84 MMotor Homes, Boats, Campers, Travel Trailers...
Rec. Vehicle (Large) 120 Month »7.89%120 MMotor Homes, Boats, Campers, Travel Trailers...
Rec. Vehicle (Small) 48 Months »7.19%48 M90% LTV - Motorcycles,ATV's,Snowmobiles,PWC's...
Rec. Vehicle (Small) 60 Months »7.19%60 M90% LTV - Motorcycles,ATV's,Snowmobiles,PWC's...
Rec. Vehicle (Small) 72 Months »7.64%72 M90% LTV - Motorcycles,ATV's,Snowmobiles,PWC's...
Rec. Vehicle (Small) 48 Months »7.44%48 M100% LTV - Motorcycles,ATV's,Snowmobiles,PWC's...
Rec. Vehicle (Small) 60 Months »7.44%60 M100% LTV - Motorcycles,ATV's,Snowmobiles,PWC's...
Rec. Vehicle (Small) 72 Months »7.89%72 M100% LTV - Motorcycles,ATV's,Snowmobiles,PWC's...
Personal Loan 36 Months »10.99%36 MGREAT RATES FLEXIBLE TERMS AVAILABLE 24/7
Personal Loan 48 Months »11.24%48 MGREAT RATES FLEXIBLE TERMS AVAILABLE 24/7
Personal Loan 60 Months »12.24%60 MGREAT RATES FLEXIBLE TERMS AVAILABLE 24/7
Shares Secured Loan 36 Months »2.05%36 MGREAT RATES FLEXIBLE TERMS AVAILABLE 24/7
First Mortgage6.75%360 MRates Change Daily Please call (801)939-9058
Home Equity Line of Credit7%0 MContact us today at (801)939-9058
Home Equity Loan7.75%360 MContact us today at (801)939-9058
Certificate Rates - Effective Saturday, August 15, 2026
Certificate TermAPYMinimum Deposit
60 MONTH CERTIFICATE4.05%$500
60 MONTH CERTIFICATE4.15%$50000
48 MONTH CERTIFICATE4%$500
48 MONTH CERTIFICATE4.1%$50000
36 MONTH CERTIFICATE3.85%$500
36 MONTH CERTIFICATE3.95%$50000
24 MONTH CERTIFICATE3.85%$500
18 MONTH CERTIFICATE3.75%$500
12 MONTH CERTIFICATE3.85%$500
06 MONTH CERTIFICATE0.75%$500
60 MO IRA CERTIFICAT4.05%$500
60 MO IRA CERTIFICAT4.15%$50000
48 MO IRA CERTIFICAT4%$500
48 MO IRA CERTIFICAT4.1%$50000
36 MO IRA CERTIFICAT3.85%$500
36 MO IRA CERTIFICAT3.95%$50000
24 MO IRA CERTIFICAT3.85%$500
18 MO IRA CERTIFICAT3.75%$500
12 MO IRA CERTIFICAT3.85%$500
06 MO IRA CERTIFICAT0.75%$500
60 MO YOUTH CERTIFIC3.85%$50
48 MO YOUTH CERTIFIC3.85%$50
36 MO YOUTH CERTIFIC3.85%$50
24 MO YOUTH CERTIFIC3.85%$50
18 MO YOUTH CERTIFIC3.75%$50
12 MO YOUTH CERTIFIC3.85%$50
06 MO YOUTH CERTIFIC0.75%$50