Everyday Finances

Finances play a big part in everyone's life. Let HCU make it a little easier with our everyday finance options.

HCU Accounts

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 11,000+ members that benefit from being part of a Credit Union.

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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.

Features

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.

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VISA Gift Cards

A great option for teaching youth about spending, for your students or a quick vacation. A Visa Gift Card can be used to purchase virtually anything as long as Visa Cards are accepted. Each time the card is used, the amount that is spent will automatically be deducted from the remaining balance.

VISA Travel Cards

If you want to keep your funds safe while traveling or have the convenience of a credit card without the debt, a reloadable Visa card from Horizon Credit Union is a great choice. There’s no danger of overdrafts, and it gets the same great security protection of Visa credit cards!

Rates*

Share & IRA Certificates of Deposit (CD)

Term Rate APY
60 Months 1.590 % 1.600 %
48 Months 0.995 % 1.000 %
36 Months 0.745 % 0.750 %
24 Months 0.495 % 0.500 %
18 Months 0.295 % 0.300 %
12 Months 0.245 % 0.250 %
6 Months 0.195 % 0.200 %
Dividends Paid Quarterly
$500 Balance Requirement
$50 Youth Balance Requirement

Money Market Savings

Daily Balance Rate APY
$100,000 + 0.200 % 0.200 %
$20,000 – $99,999 0.150 % 0.150 %
$5,000 – $19,999 0.100 % 0.100 %
$2,000 – $4,999 0.050 % 0.050 %
Dividends Paid Monthly

IRA Money Market

Daily Balance Rate APY
$100,000 + 0.200 % 0.200 %
$20,000 – $99,999 0.150 % 0.150 %
$5,000 – $19,999 0.100 % 0.100 %
$2,000 – $4,999 0.050 % 0.050 %
$0 – $1,999 0.050 % 0.050 %
Dividends Paid Monthly

IRA Certificates of Deposit (CD)

Term Rate APY
60 Months 1.590 % 1.600 %
48 Months 0.995 % 1.000 %
36 Months 0.745 % 0.750 %
24 Months 0.495 % 0.500 %
18 Months 0.295 % 0.300 %
12 Months 0.245 % 0.250 %
6 Months 0.195 % 0.200 %
Dividends Paid Quarterly
$500 Balance Requirement
$50 Youth Balance Requirement

Regular and Special Shares

Daily Balance Rate APY
$100 + 0.050 % 0.050 %
Dividends Paid Monthy
$25 Youth Balance Requirement

Rates as of 10.17.2016

*All rates and APRs 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.

 

Personal Loans

Signature Loans

Signature loans are disbursed in a lump sum, and require no application fees and no collateral. Qualified members can borrow up to $10,000 for small expenses or to consolidate debt.
With an easy application process, flexible repayment terms and easy online account access, a personal loan could be the right choice for you. Not sure if a personal loan is right for you? Come see us and we’ll discuss your options.

Personal Line of Credit

No collateral? No problem! At Horizon Credit Union qualified members have access to competitive rates and terms on personal lines of credit.

Shared Secured & Certificate Secured Loans

Get the best of both worlds. Qualified members can leave their money in the account and continue to receive your high dividends while using the funds in those accounts to secure a low cost loan. If you choose to use your shares or certificate to secure a loan, be assured that our lowest possible rate will be available on the loan.

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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.

Learn more
about our Member Rewards