Credit union · Privately insured
Financial Horizons Credit Union Savings Rates
Financial Horizons Credit Union’s best savings rate is 0.30% APY on $10,000, with its Money Market Account. Rates checked October 22, 2026.
How Financial Horizons Credit Union’s savings 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
0.30%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $30
Money Market Account
Top rate
America First Credit Union
3.95%APY
- Minimum
- $0
- Earns on $10,000 a year
- $395
2nd-highest rate
WaFd Bank
3.82%APY
- Minimum
- $0
- Earns on $10,000 a year
- $382
Financial Horizons Credit Union savings score
73
Savings score
Higher than 34% of U.S. banks and credit unions
- $1,000 balance$1,0000.20%
- $10,000 balance$10,0000.30%
- $100,000 balance$100,0000.20%
- QualifiedQualified0.30%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Horizons High Yield Savings Account
0.30%APY
Financial Horizons checking account and minimum daily balance of $25 in Regular Share Account required before opening. Maximum 6 automated withdrawals or telephone transfers per calendar month. Minimum daily balance of $10,000 required to obtain stated APY.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $10,000 – $25,000 | 0.30% | $30 |
| $25,000 – $50,000 | 0.45% | — |
| $50,000 – $100,000 | 0.55% | — |
| $100,000 and up | 1.75% | — |
Money Market Account
0.30%APY
Minimum opening deposit of $2,500. Three check withdrawals or electronic transfers per month (unlimited withdrawals at credit union offices). Dividends paid as long as balance stays above $2,500.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 – $10,000 | 0.30% | — |
| $10,000 – $25,000 | 0.30% | $30 |
| $25,000 – $50,000 | 0.30% | — |
| $50,000 – $100,000 | 0.30% | — |
Sources (2)
- fhcunv.org/bank/savings-accoun…nts/money-market-account
- fhcunv.org/learn/rates/compare-rates/account-rates
All captured Oct 22, 2026
Managed Share
0.20%APY
Must maintain a minimum daily balance of $25 to obtain APY and avoid closure. Maximum 3 withdrawals per calendar month.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $25 and up | 0.20% | $20 |
Sources (2)
All captured Sep 16, 2026
Regular Share
0.20%APY
Must open account to join Financial Horizons Credit Union (par value $25). Must maintain a minimum daily balance of $25 to avoid closure. Maximum 6 automated withdrawals or telephone transfers per calendar month. Minimum daily balance of $250 required to obtain APY for standard tiers.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $250Youth Acct. Only | 0.20% | — | Youth Acct. Only |
| $250 – $2,500 | 0.20% | — | |
| $2,500 – $10,000 | 0.20% | — | |
| $10,000 – $25,000 | 0.20% | $20 | |
| $25,000 – $50,000 | 0.20% | — | |
| $50,000 – $100,000 | 0.20% | — | |
| $100,000 and up | 0.20% | — |
Special-purpose accounts
IRA Accounts - Traditional, Roth or Educational
0.35%APY
Available for Traditional IRA, Roth IRA, and Coverdell Education Savings Account investments. Must have a minimum daily balance of $25 in Regular Share Account to open. Must maintain a minimum daily balance of $25 to obtain APY and avoid closure.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $25 and up | 0.35% | $35 |
Christmas Club
0.20%APY
Must have a minimum daily balance of $25 in Regular Share Account to open. Minimum daily balance of $5 required to obtain APY and avoid closure. Funds released first week of November and account remains open.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.20% | $20 |
Sources (3)
- fhcunv.org/bank/savings-accounts/club-accounts
- fhcunv.org/learn/rates/compare-rates/account-rates
- fhcunv.org/media/qrwfhgpy/fhcu_tisa_22.pdf
All captured Sep 16, 2026
Custom Club
0.20%APY
Club account for major purchases, remodeling, weddings, etc. No monthly service fees.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $10 and up | 0.20% | $20 |
Sources (2)
All captured Sep 16, 2026
Vacation Club
0.20%APY
Must have a minimum daily balance of $25 in Regular Share Account to open. Minimum daily balance of $5 required to obtain APY and avoid closure. Funds disbursed on June 1 to Regular Share Account and account remains open.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.20% | $20 |
Sources (3)
- fhcunv.org/bank/savings-accounts/club-accounts
- fhcunv.org/learn/rates/compare-rates/account-rates
- fhcunv.org/media/qrwfhgpy/fhcu_tisa_22.pdf
All captured Sep 16, 2026
Youth Savings
0.20%APY
For members ages 17 and under. Par value is $5. Must maintain a minimum daily balance of $5 to obtain APY and avoid closure. Maximum 6 automated withdrawals or telephone transfers per calendar month.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $250Youth Acct. Only. Minimum daily balance of $5 required to earn stated APY and avoid closure.Up to $250 | 0.20% | — | Youth Acct. Only. Minimum daily balance of $5 required to earn stated APY and avoid closure. |
Sources (3)
- fhcunv.org/bank/savings-accounts/youth-savings
- fhcunv.org/learn/rates/compare-rates/account-rates
- fhcunv.org/media/qrwfhgpy/fhcu_tisa_22.pdf
All captured Sep 16, 2026
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.