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Deposit Rates

Account	Balance Range	Dividend Rate	Annual Percentage Yield
Summit Checking⁺	$50.00 to $10,000.00 $10,000.01 or more	3.00% 0.05%	3.03% 0.05%
HSA	$5,000.00 or more	0.05%	0.05%
Tether Checking	$0.00	0.00%	0.00%
Explore Youth Checking	$0.00	0.00%	0.00%
Replenish Checking	$0.00	0.00%	0.00%

*OAC. APY = Annual Percentage Yield. +To earn the listed APY, you must meet the following requirements during the qualifying cycle: (1) log into online banking at least one time, (2) agree to receive online statements, (3) make fifteen purchases using your debit card (4) and you must have at least one direct deposit post to the account. Listed promotional APY is paid on balances up to $10,000. Rates and offer details are subject to change without notice. Membership fee may apply.

Summit Checking - Truth in Savings Disclosure

HSA - Truth in Savings Disclosure

Replenish Checking - Explore Checking

Account	Balance Range	Dividend Rate	Annual Percentage Yield
Value Shares	$250.00 or more	0.05%	0.05%
Explorer Savings	$5.00 or more	0.05%	0.05%
Tether Shares*	$50.00 - $15,000.00	3.00%	3.03%
Insurance Plus Shares	$250.00 or more	0.05%	0.05%

APY = Annual percentage yield. *Requirements to earn stated APY = must open both the Tether savings and Tether checking account, agree to receive online statements, maintain a minimum balance of $50 in Tether Savings and make minimum deposit of $50 to the Tether savings each month from Tether checking by electronic means such as online banking, interactive voice response via our automated phone system. Any other non-human assisted deposit / transfer in order to obtain the disclosed annual percentage yield up to an average daily balance of $15,000.00. Stated APY paid on balances up to $15,000 in the Tether savings account.

Account	Balance Range	Dividend Rate	Annual Percentage Yield
Horizon Focus	$0.00 - $2,499.99 $2,500.00 - $9,999.99 $10,000 - $24,999.99 $25,000.00 or more	0.00% 0.10% 0.10% 0.10%	0.00% 0.10% 0.10% 0.10%
Horizon Vision	$0.00 - $24,999.99 $25,000.00 - $49,999.99 $50,000.00 - $99,999.99 $100,000.00 or more	0.20% 0.20% 0.45% 0.50%	0.20% 0.20% 0.45% 0.50%
High Yield	$0.00 - $24,999.99 $25,000.00 - $74,999.99 $75,000.00 - $149,999.99 $150,000.00 - $249,999.99 $250,000.00 or more	0.00% 0.30% 0.65% 0.80% 1.50%	0.00% 0.30% 0.65% 0.80% 1.51%

APY = Annual percentage yield.

Account	Balance Range	Dividend Rate	Annual Percentage Yield	Limited Time Offer
12 Month Student*	$250.00 to $10,000.00	2.75%	2.78%	Y
90 Day	$2,500 Minimum Opening Deposit $25,000.00 to $99,999.99 $100,000.00 or more	3.75% 3.75% 3.75%	3.75% 3.75% 3.75%
6 Month	$2,500 Minimum Opening Deposit $25,000.00 to $99,999.99 $100,000.00 or more	3.70% 3.70% 3.70%	3.70% 3.70% 3.70%
12 Month	$1,000.00 Minimum Opening Deposit $25,000.00 to $99,999.99 $100,000.00 or more	3.85% 3.85% 3.85%	3.92% 3.92% 3.92%
12 Month with Bonus⁺	$1,000.00 Minimum Opening Deposit $25,000.00 to $99,999.99 $100,000.00 or more	4.10% 4.10% 4.10%	4.18% 4.18% 4.18%
24 Month	$1,000.00 Minimum Opening Deposit $25,000.00 to $99,999.99 $100,000.00 or more	3.70% 3.70% 3.70%	3.76% 3.76% 3.76%
36 Month	$1,000.00 Minimum Opening Deposit $25,000.00 to $99,999.99 $100,000.00 or more	3.70% 3.70% 3.70%	3.76% 3.76% 3.76%
48 Month	$1,000.00 to $24,999.99 $25,000.00 to $99,999.99 $100,000.00 or more	3.25% 3.25% 3.25%	3.30% 3.30% 3.30%
60 Month	1,000.00 Minimum Opening Deposit $25,000.00 to $99,999.99 $100,000.00 or more	3.35% 3.35% 3.35%	3.40% 3.40% 3.40%

APY = Annual Percentage Yield. Early withdrawal penalties apply. Fees may reduce earnings on accounts. Membership requirements and fees may apply. Rates subject to change without notice. Maximum deposit of $1M per individual.

*Only eligible to students 18 and under.

⁺APY = Annual Percentage Yield. OAC. Federally insured by NCUA. Rates accurate as of February 25, 2025, and are subject to change. Early withdrawal penalties apply. Membership fee and restrictions may apply. Rate shown is available for a limited time only and includes .25% APR bonus for members who establish a monthly direct deposit of $200 or more to a Horizon Credit Union checking or savings account. Minimum balance to earn bonus is $1000. APY without the bonus = 3.92%. Maximum deposit amount of $1M per individual.

Account	Balance Range	Dividend Rate	Annual Percentage Yield
12 Month IRA	$500.00 Minimum Opening Deposit $25,000.00 to $99,999.99 $100,000.00 to $500,000.00	3.85% 3.85% 3.85%	3.92% 3.92% 3.92%
12 Month IRA with Bonus*	$500.00 Minimum Opening Deposit $25,000.00 to $99,999.99 $100,000.00 to $500,000.00	4.10% 4.10% 4.10%	4.18% 4.18% 4.18%
24 Month IRA	$500.00 Minimum Opening Deposit $25,000.00 to $99,999.99 $100,000.00 to $500,000.00	3.70% 3.70% 3.70%	3.76% 3.76% 3.76%
36 Month IRA	$500.00 Minimum Opening Deposit $25,000.00 to $99,999.99 $100,000.00 to $500,000.00	3.70% 3.70% 3.70%	3.76% 3.76% 3.76%
48 Month IRA	$500.00 Minimum Opening Deposit $25,000.00 to $99,999.99 $100,000.00 to $500,000.00	3.25% 3.25% 3.25%	3.30% 3.30% 3.30%
60 Month IRA	$500.00 Minimum Opening Deposit $25,000.00 to $99,999.99 $100,000.00 to $500,000.00	3.35% 3.35% 3.35%	3.40% 3.40% 3.40%
IRA Shares	All Balance Ranges	0.05%	0.05%

APY = Annual percentage yield. The IRA rates shown are for Traditional, Roth, and Coverdell IRAs. Dividends compounded/credited monthly. Early withdrawal may be subject to penalty and may affect earnings on certificates. Maximum deposit of $1 million per individual.

*APY = Annual Percentage Yield. OAC. Federally insured by NCUA. The IRA rates shown are for Traditional, Roth, and Coverdell IRA Certificates. Rates accurate as of February 25, 2025, and are subject to change. Early withdrawal penalties apply. Membership fee and restrictions may apply. Rate shown is available for a limited time only and includes .25% APR bonus for members who establish a monthly direct deposit of $200 or more to a Horizon Credit Union checking or savings account. Minimum balance to earn bonus is $1000. APY without the bonus = 3.92%. Maximum deposit amount of $1M per individual.

The rates and terms shown are effective as of March 7, 2025. View the Common Fees disclosure here.
Rates subject to change. For the most current rates available contact us at 800.852.5316.

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Loan Rates

Account	Annual Percentage Rate*	Rate Information
Auto / Truck Loans	As low as 6.49%	*OAC. APR = Annual percentage rate. New Money Only. Not applicable on internal refinances. Rate shown applies to 2015 or newer model year vehicles or vehicles valued at $10,000 or greater. Loan rates are available on approved credit. Loan rates are subject to change without notice. Rates displayed are the lowest available to qualified borrowers. Your rate may be higher and will be determined by loan type, applicable fees, the terms you request, the amount you finance and your credit history. Rates subject to change without notice. Rate displayed is the lowest available to qualified borrowers; your rate may be higher and will be determined by the loan type, model year, term, amount you finance and your credit history. Membership fee and restrictions may apply.

Account	Annual Percentage Rate*	Rate Information
Boat and RV Loans	As low as 6.49%	*OAC. Limited time offer. 90 day no payment. Interest continues to accrue. Rate displayed is the lowest available to qualified borrowers; your rate may be higher and will be determined by the loan type, model year, term, amount you finance and your credit history. New money only. Membership fee and restrictions may apply.

Account	Annual Percentage Rate*	Rate Information
Personal Unsecured Loan	As low as 11.90%	*Fixed rate, terms up to 60 months available depending on credit score and amount financed. Rate shown applies to Personal Unsecured, Autos, Boats and RVs 2013 or older model year vehicles or vehicles valued at under $10,000 and Cycle Products 2017 or older model year vehicles. OAC. APR = Annual Percentage Rate. Loan rates are available on approved credit. Loan rates are subject to change without notice. Rates displayed are the lowest available to qualified borrowers. Your rate may be higher and will be determined by loan type, applicable fees, the terms you request, the amount you finance, and your credit history. Secured and Unsecured Loans are available. Qualified borrowers can receive financing for personal loan needs including Dental, Vision, Cosmetics Procedures, Computers, Lawn Tractors, Older Autos, Snowmobiles, ATVs, Boats and RVs.
Share Secured Loan	As low as 3.00% over Share Dividend Rate	Fixed rate.

Account	Annual Percentage Rate*	Rate Information
Powersport loan	As low as 8.49%	*OAC. APR = Annual percentage rate. Powersports covers a broad range of cycle products including but not limited to motorcycles, ATVs, PWCs, UTVs, tractors, trailers and snowmobiles. Rate shown applies to 2020 or newer model year vehicles. Loan rates are available on approved credit. Loan rates are subject to change without notice. Rates displayed are the lowest available to qualified borrowers. Your rate may be higher and will be determined by loan type, applicable fees, the terms you request, the amount you finance and your credit history.

Account	Variable Annual Percentage Rate (APR)	Fixed Annual Percentage Rate (APR)	Minimum Loan Amount
Elevate First Lien+	As low as 8.00%	As low as 9.00%	$50,000.00
Momentum Introductory Rate*	For 6 months 4.99%	For 6 months 4.99%	$10,000.00
Momentum Standard Rate*	As low as 8.00%	As low as 9.50%	$50,000.00
Momentum First Lien**	As low as 8.00%	As low as 9.50%	$10,000.00
Momentum Second Lien***	As low as 8.50%	As low as 10.50%	$10,000.00

Elevate First Lien

+No Annual Fee. Closing Costs: Horizon will pay most closing costs associated with a Home Equity 1st Lien which includes: credit report, flood determination, recording, and reconveyance. The member is responsible for paying the title fee, automated property valuation and if an appraisal is required, the cost will be paid by the member, who is responsible for the fee whether or not the loan closes. Should this loan be closed within 24 months from origination, the member will be obligated to pay Horizon the full amount of the total closing cost for the loan. Other terms and conditions may apply.

Loan advances may be taken over a 10 year period from the time of origination. Variable rate loans will adjust quarterly based on the Wall Street Journal (WSJ) Prime Rate plus margin with a maximum APR of 18%. Horizon rates, terms and conditions are subject to change without notice. Certain terms and conditions may apply. On approved credit. Membership required. For more information please call us at 800.852.5316.

Momentum Introductory Rate

*OAC. Some restrictions apply. $50 annual fee. Minimum loan amount is $10,000. Low closing costs; early termination fee may apply. Membership fee, other terms and restrictions may apply.

1. Introductory rate valid for 6 months from the date the loan is booked. After the first 6 months a variable rate will apply, based on the Wall Street Journal prime rate plus a margin and adjusted quarterly; current rates range from 8.00% - 18.00% APR, based on credit worthiness. Maximum APR = 18%.

2. Borrower may elect to convert portions of the Home Equity Line of Credit from a variable rate to a fixed rate loan for a transaction fee of $75 per occurrence. The minimum amount required to be converted to fix rate is $5,000. Borrower may lock up to 3 different amounts at any one time.

3. Borrowers may opt for interest-only payments during the initial draw period (10 years). Monthly payments are typically lower with the interest-only payment option; however your principal balance will remain the same until you made additional payments to the principal. After the draw period, the monthly payment will be calculated to repay your loan within the remaining 15 years and may adjust quarterly based on the prime rate.

Momentum First Lien

**$50 Annual Fee. During the initial 10 year loan advance period, the member may elect to convert the Home Equity Line of Credit from a variable rate to a fixed rate loan for a transaction fee of $75. The minimum amount required to be converted to fix rate is $5,000. Closing Costs: Horizon will pay most closing costs associated with a Home Equity Line of Credit which includes: origination fee, credit report, flood determination, title search, recording, reconveyance and automated property valuation. If an appraisal is required, the cost will be paid by the member, who is responsible for the fee whether or not the loan closes. Should this loan be closed within 24 months from origination, the member will be obligated to pay Horizon the full amount of the total closing cost for the loan. Other terms and conditions may apply.

Momentum Second Lien

***$50 Annual Fee. During the initial 10 year loan advance period, the member may elect to convert the Home Equity Line of Credit from a variable rate to a fixed rate loan for a transaction fee of $75. The minimum amount required to be converted to fix rate is $5,000. Closing Costs: Horizon will pay most closing costs associated with a Home Equity Line of Credit which includes: origination fee, credit report, flood determination, title search, recording, reconveyance and automated property valuation. If an appraisal is required, the cost will be paid by the member, who is responsible for the fee whether or not the loan closes. Should this loan be closed within 24 months from origination, the member will be obligated to pay Horizon the full amount of the total closing cost for the loan. Other terms and conditions may apply.

The rates and terms shown are effective as of March 7, 2025. View the Common Fees disclosure here.
Rates subject to change. For the most current rates available contact us at 800.852.5316.

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Home Loan Rates

Rates change daily! Please contact us for today’s rates.

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Credit Card Rates

	Interest Rates & Charges
Annual Percentage Rate (APR) for Purchases, Cash Advances and Balance Transfers	13.15% to 21.75% when you open your account. After that, your APR will vary with the market based on the prime rate. Your rate is based on your credit qualification and the VISA Credit Card that you select.
Penalty APR and When it Applies	None
Paying Interest	Your due date is at least 21 days after we mail your billing statement. We will not charge you interest on purchases if you pay your entire new purchase balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the date the cash advance or balance transfer is posted to your account.
For Credit Card Tips from the Consumer Financial Protection Bureau	To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at www.consumerfinance.gov/learnmore

	Fees
Fees to Open or Maintain Your Account
Annual Fee	None
Application Fee	None
Transaction Fees
Balance Transfer	3% of the amount of each transfer (minimum $3.00)
Cash Advance	3% of advance amount (minimum $3.00)
Foreign Transaction	1% of each transaction in US dollars if the transaction involved a currency conversion 1% of each transaction in US dollars if the transaction does not involve a currency conversion
Penalty Fees
Late Payment	$15 or 5% of the minimum payment amount, whichever is greater, if your payment is late 10 days or more.
Over the Credit Limit	None
Returned Payment	$15 if your payment is returned for any reason

How We Will Calculate Your Balance: We use a method called “Average Daily Balance”. The Credit Union figures the FINANCE CHARGE on your Account by applying the Periodic Rate to the “Average Daily Balance” of purchases and cash advances for your Account (including current transactions) and multiplying the result by the number of days in the billing cycle. To get the “Average Daily Balance” we take the beginning balance of your Account each day, add any new purchases, cash advances, cash advance fees, and subtract any payments or credits. This gives us the daily balance,. Since cash advance fees are considered FINANCE CHARGES, you may pay compounded interest on your account. Then, we add up all the daily balances for the billing cycle and divide the total by the number of days in the billing cycle. This gives us the “Average Daily Balance.” We reserve the right to amend the VISA Credit Card Agreement as permitted by law.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.

The rates and terms shown are effective as of March 7, 2025. View the Common Fees disclosure here.
Rates subject to change. For the most current rates available contact us at 800.852.5316.

View Credit Cards

Account	Balance Range	Annual Percentage Yield
Small Business Savings	$500.00 to $1499.99 $1500.00 to $4999.99 $5000.00 or more	0.05% 0.10% 0.20%
Regular Business Checking	$0.00 to $999.99 $1000.00 or more	0.00% 0.05%