Credit union · Privately insured
Financial Horizons Credit Union
A $314.1M credit union headquartered in Hawthorne, NV, with 14,443 members and 4 branches in Nevada. Best rates: CDs 3.90% and savings 0.30% APY.
Financial Horizons Credit Union Carrot Score
75
Carrot Score
Higher than 38% of U.S. banks and credit unions
#10 of 21 in Reno, NV metroHow the score works →
Deposits are privately insured, not by the federal government.
About Financial Horizons Credit Union
Serving Nevada communities since 1947, Financial Horizons Credit Union operates four branch locations in Hawthorne, Yerington, Fallon, and Winnemucca, Nevada.
The credit union serves the Nevada communities of Elko, Fallon, Fernley, Hawthorne, Lovelock, Tonopah, Winnemucca, and Yerington.
- Headquarters
- PO Box 2288, 895 E St., Hawthorne, NV 89415
- NCUA charter
- 86755
Branches
4 branches in Nevada
Loading map…
Nevada
4 branches
Hawthorne area · 1
- Financial Horizons Credit UnionMain officePO Box 2288, 895 E St., Hawthorne, NV 89415Directions
Fallon area · 1
- Financial Horizons CU2711 Reno Hwy, Fallon, NV 89406Directions
Winnemucca area · 1
- Financial Horizons CU311 S Bridge St, Ste A, Winnemucca, NV 89445Directions
Reno area · 1
- Financial Horizons CU201 N Main St, Yerington, NV 89447Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 12.98% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.08% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.44% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $61 | $76 | — |
- CapitalNet worth ratio12.98%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.08%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.44%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$61Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Financial Horizons Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.