Credit union · Privately insured
Financial Horizons Credit Union CD Rates
Financial Horizons Credit Union’s best CD rate is 3.90% APY on a 6-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Financial Horizons Credit Union’s CD rates compare
Compared with banks and credit unions near Reno, NV, where Financial Horizons Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Financial Horizons Credit Union
3.90%APY
- Term
- 6 months
- Minimum
- $500
- Earns on $10,000
- $193
Share Certificate
Top rate
America First Credit Union
4.60%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,522
2nd-highest rate
WestStar Credit Union
4.55%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,492
Financial Horizons Credit Union CD score
78
CD score
Higher than 47% of U.S. banks and credit unions
- 3–8 months3–8 mo3.90%
- 9–15 months9–15 mo3.60%
- 16–30 months16–30 mo3.00%
- 31–60 months31–60 mo3.00%
- QualifiedQualified3.90%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Financial Horizons Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificate
Up to 3.90%APY · 7 terms
Certificate terms range from 3 months to 5 years. Dividends can either be paid monthly, or compounded monthly and paid at maturity. Early withdrawal of funds may result in loss of interest income.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.75% | $92 |
| 6 months | 3.90% | $193 |
| 12 months | 3.60% | $360 |
| 24 months | 3.00% | $609 |
| 36 months | 3.00% | $927 |
| 48 months | 2.25% | $931 |
| 60 months | 2.00% | $1,041 |
Triple Option Share Certificate
Up to 3.00%APY · 4 terms
Choose terms from 24 to 60 months. Make additional deposits as you wish. Withdraw money once (up to half of your original deposit). If overall interest rates rise, you may adjust your Certificate rate once. Dividends can be paid monthly or compounded monthly and paid at maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 months | 3.00% | $609 |
| 36 months | 3.00% | $927 |
| 48 months | 2.25% | $931 |
| 60 months | 2.00% | $1,041 |
Special-purpose accounts
IRA Certificates
Up to 3.00%APY · 4 terms
Certificates can be part of Traditional, Roth, or Educational IRAs. Terms range from 12 to 36 or 48 months. No monthly service charge.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsTraditional | 3.00% | $300 |
| 24 monthsTraditional, Roth & Educational | 3.00% | $609 |
| 36 monthsTraditional, Roth & Educational | 3.00% | $927 |
| 48 monthsTraditional, Roth & Educational | 2.25% | $931 |
Who can join Financial Horizons Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.