Rates

Minimum amount to borrow $10,000.00.

*APR = Annual Percentage Rate. No Closing Cost offer dictates the following being paid by Horizon: appraisal, title search, recording fees and flood certification. Closing costs must be reimbursed to the credit union if the home equity loan is closed within 3 years. Alternate rates available for loan-to-values of up to 85% of homes value and second lien position. Rates are determined by term, overall credit history, loan-to-value, lien position, account relationship with the credit union and type of property. Rates displayed above include a 1.00% rate discount for automatic payments out of an active Horizon checking account.  Conventional stick built residences and double wide manufactured residences only.

*APR=Annual Percentage Rate. No closing costs as long as the line remains open for 3 years. Rate is adjustable and subject to change quarterly. Rate is based on The Wall Street Journal Prime Rate plus or minus a margin. Margin based on the amount of the credit line, overall credit history, loan-to-value and lien position. Rate quoted is for 70% loan-to-value, first lien position, credit limit of $50,000.00-$200,000.00 and credit score of 720 or higher. Alternate rates for loan-to-value of up to 85% of home's value and/or second lien position are available depending on credit. Rates determined by term, overall credit history, loan-to-value, account relationship with the credit union and type of property. Rates displayed above include a 1.00% rate discount for automatic payments out of an active Horizon checking account.  Conventional stick built residences only. Wall Street Journal Prime Rate currently is 7.50%. Last change date was 12/18/2024. Rate cap of 2% per change, 6% life of loan, maximum rate of 16%, Rate Floor of 3.5%. 10 year draw period and repayment period of up to 180 months. 1-4 family, owner occupied residences. Minimum monthly payment during draw is interest due plus 0.50% of outstanding balance or $100, whichever is greater.

*APR=Annual Percentage Rate. The Annual Percentage Rate is the advertised rate and can vary based on creditworthiness, loan-to-value, terms of loan and relationship with credit union.  Rates displayed above include a 1.00% rate discount for automatic payments out of an active Horizon checking account.

*APR=Annual Percentage Rate. The Annual Percentage Rate is the advertised rate and can vary based on creditworthiness, loan-to-value, terms of loan and relationship with credit union.  Rates displayed above include a 1.00% rate discount for automatic payments out of an active Horizon checking account.

*APR=Annual Percentage Rate. The Annual Percentage Rate is the advertised rate and can vary based on creditworthiness, age of vehicle, terms of loan and relationship with credit union. Rates displayed above include a 1.00% rate discount for automatic payments out of an active Horizon checking account.  Loans for collateral older than 10 years are factored at personal loan rates.

*APR=Annual Percentage Rate. The Annual Percentage Rate is the advertised rate and can vary based on creditworthiness, terms of loan and relationship with credit union.  Rates displayed above include a 1.00% rate discount for automatic payments out of an active Horizon checking account.

*APR=Annual Percentage Rate. The Annual Percentage Rate is the advertised rate and can vary based on creditworthiness, terms of loan and relationship with credit union.

**Card program may qualify for a significantly lower 12-month introductory rate! Contact a Horizon Professional for more details.

*APR=Annual Percentage Rate. The Annual Percentage Rate is the advertised rate and can vary based on creditworthiness, terms of loan and relationship with credit union.

*APY = Annual Percentage Yield
† 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).† 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).

*APY = Annual Percentage Yield.  If qualifications in Horizon Saver is met each monthly qualification cycle: earn rates as outlined above in the rate table.  If monthly qualification cycle is not met, earn the qualifications not met rate.  The monthly qualification cycle is defined as a period beginning on the first day of the current month's cycle and ending on the last day of that same month's statement cycle. Limit one account per SSN.  Ask a Horizon professional for more terms and qualifications.

*APY=Annual Percentage Yield

*APY=Annual Percentage Yield. APYs accurate as of 04/01/2025. Rates may change at any time. If qualifications are met each monthly qualification cycle: (1) balances up to $25,000 receive APY of 5.00%; and (2) balances over $25,000 earn 0.20% dividend rate on portion of balance over $25,000, resulting in 0.20 - 5.00% APY depending on the balance. If qualifications are not met, all balances earn 0.00% 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. The monthly qualification cycle is defined as a period beginning on the first day of the current month's cycle and ending on the last day of that same month's statement cycle. Limit one account per SSN.

*APY=Annual Percentage Yield. APYs accurate as of 04/01/2025. Rates may change at any time. If qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $20 and credited to account on the last day of monthly statement cycle; (2) balances up to $25,000 receive APY of 2.50%; and (3) balances over $25,000 earn 0.10% dividend rate on portion of balance over $25,000, resulting in 0.10% - 2.00% APY depending on the balance. If qualifications are not met, all balances earn 0.00% 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. The monthly qualification cycle is defined as a period beginning on the first day of the current month's cycle and ending on the last day of that same month's statement cycle. Limit one account per SSN.