Rates

Rates effective as of December 1, 2014.

Rates may change after accounts are opened. Fees may reduce earnings. APY = Annual Percentage Yield.

Current Share Rates

AccountBalance RequirementsRateAPY
Regular Share$30.00 to $5,000.000.15%0.15%
$5,000.01 to $250,000.000.25%0.25%
Miscellaneous Share$30.00 to $5,000.000.15%0.15%
$5,000.01 to $250,000.000.25%0.25%
Tax0.15%0.15%
Vacation0.15%0.15%
Christmas Club0.15%0.15%
Share Draft0.00%0.00%
Traditional IRA †$30.00 to $250,000.00, IRA rate will be calculated based upon the 24 month Share Certificate Rate 0.75%0.75%

† A substantial penalty may be imposed for early withdrawal. Traditional IRA accounts are insured up to $250,000 by the National Credit Union Administration (NCUA).

Kasasa Cash

Learn more about Kasasa Cash

BalanceRateAPY
$0 - $15,0001.98%2.00%
$15,000+0.25%2.00% - 0.48%
If qualifications not met 0.05%0.05%

*If qualifications are met during a monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $20 and credited to account on the first day of monthly statement cycle; (2) balances up to $15,000 receive APY of 2.0%; and (3) balances over $15,000 earn 0.25% dividend rate on portion of balance over $15,000, resulting in 2.0% - 0.48% APY depending on the balance. If qualifications are not met, all balances earn 0.05% APY. Qualifying transactions must post to and settle account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. ATM-processed transactions do not count towards qualifying check card transactions. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Limit one account per SSN.

Kasasa Saver

Learn more about Kasasa Saver

BalanceRateAPY
$0 - $15,0001.00%1.00%
$15,000+0.25%1.00% - 0.35%
If qualifications not met 0.05%0.05%

*If qualifications in Kasasa Cash or Kasasa Cash Back are met each monthly qualification cycle: (1) balances up to $15,000 in Kasasa Saver receive an APY of 1.0%; and (2) balances over $15,000 in Kasasa Saver earn 0.25% dividend rate on portion of balance over $15,000, resulting in 1.0% - 0.35% APY depending on the balance. If qualifications are not met on Kasasa Cash, all balances in Kasasa Saver earn 0.05% APY. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Limit one account per SSN.

Share Certificates

Learn more about Share Certificates

TermRateAPY
6 Months0.15%0.15%
12 Months0.25%0.25%
18 Months0.45%0.45%
24 Months0.50%0.50%
36 Months0.75%0.75%
48 Months1.00%1.01%
60 Months1.35%1.36%

A penalty may be imposed for early withdrawal of share certificates.

Personal Loans

TypeAPR
One – Five Years9.99% to 17.99%
Personal Line of Credit9.99%
MasterCard9.99% to 15.99%
Share Secured3.00%

Loan limit of $7500.00 max based on credit score

Home Equity Rates

Learn more about Home Equity Loans

TermAPR
5 Year2.99%
10 Year3.50%
15 Year ^5.00%
Line of Credit - up to 180 Months3.75% ^^

Minimum amount to borrow is $5,000.00 new money.

^ 15 year is second lien position only

^^ This rate is an adjustable rate. Which can change in January and July of each year. Based on WSJ Prime Rate plus 1/2 percent. Up to a maximum of two percentage points in a calendar year. With an overall maximum of 18%.

New Vehicle Rates

Learn more about Auto Loans

TermAPR
Up to 48 months1.99%
49-60 months2.39%
61-72 months2.79%
73-78 months3.29%
79-84 months3.89%

New Untitled vehicles with a minimum amount financed for 72 months is $18,000.00, and the minimum amount financed for 84 months is $20,000.00.

New Vehicles, HORIZON FCU will lend 100% of Manufacturer's Suggested Retail Price, plus tax and tags.

Used Vehicle Rates

Learn more about Auto Loans

YearTermAPR
2015-2013Up to 60 months2.49%
2015-201361-72 months3.19%
2012-2011Up to 66 months3.59%
2010-2009Up to 54 months3.99%
2008-2007Up to 48 months4.49%
2006Up to 36 months4.99%
2005 or OlderUp to 36 months5.39%

Used Titled vehicles with a minimum amount financed for 72 months is $18,000.00.

Used Vehicles, HORIZON FCU will lend 100% of NADA average retail value, plus tax and tags.

RV/Powersports Rates

Learn more about Powersports Loans

YearTermAPR
2014-2012Up to 60 months4.99%
2014-201261-72 months5.99%
2011-2010Up to 66 months5.79%
2009-2008Up to 54 months5.99%
2007-2006Up to 48 months6.49%
2005Up to 36 months6.99%
2004 or OlderUp to 36 months7.49%

80% MSRP for New RVs and 80% NADA for Used RVs

APR is the Annual Percentage Rate.

The actual rate and term offered to you will be determined by your credit score and credit report. Rates are subject to change without notification. Please contact the credit union for current rates.

New & Used Auto, Home Equity, Personal, and Power Sports rates advertised are quoted with payroll deduction/auto payment.