Credit union · NCUA insured
Horizon Credit Union
A $2B credit union, the 267th largest of 4,329, headquartered in Spokane Valley, WA, with 105,370 members and 28 branches in 4 states. Best rates: CDs 4.38% and savings 0.05% APY.
Horizon Credit Union Carrot Score
77
Carrot Score
Higher than 43% of U.S. banks and credit unions
#12 of 27 in Spokane, WA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Horizon Credit Union
Founded in 1947 as Kaiser Employees Federal Credit Union to serve Kaiser Aluminum employees and their families in Spokane Valley, Washington, the cooperative adopted the Horizon name in 1981.
Horizon Credit Union is a locally owned credit union serving over 113,000 members across four states: Washington, Idaho, Oregon, and Montana.
- Headquarters
- 13224 E Mansfield Ave Ste 300, Spokane Valley, WA 99216
- NCUA charter
- 67264
Branches
28 branches in 4 states
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Idaho
11 branches
Boise City area · 7
- Barber Station3076 E Barber Valley Dr, Boise, ID 83716Directions
- Chinden12598 W Explorer Dr, Boise, ID 83713Directions
- Emerald9769 W Emerald St, Boise, ID 83704Directions
- Orchard910 N Orchard St, Boise, ID 83706Directions
- Overland - Meridian485 Overland Rd, Meridian, ID 83642Directions
- Ten Mile - Meridian5105 N Ten Mile Rd, Meridian, ID 83646Directions
- 12th Ave (Nampa)164 E Maine Ave, Nampa, ID 83646Directions
Coeur d'Alene area · 2
- Coeur d'Alene Branch123 W Hanley Ave, Coeur d'Alene, ID 83815Directions
- Post Falls Branch920 N Highway 41, Post Falls, ID 83854Directions
Sandpoint area · 1
- Sandpoint Branch520 5th Ave, Sandpoint, ID 83864Directions
Weiser area · 1
- Weiser1401 E 6th St, Weiser, ID 83672Directions
Washington
10 branches
Spokane area · 8
- Colville Branch1474 N Highway, Colville, WA 99114Directions
- Deer Park Branch900 S Main St, Deer Park, WA 99006Directions
- Liberty Lake Branch22206 E Country Vista Dr, Liberty Lake, WA 99019Directions
- Northpointe Branch9861 N Nevada St, Spokane, WA 99218Directions
- Washington Branch605 S Washington St, Spokane, WA 99204Directions
- Conklin Branch16402 E Sprague Ave, Spokane Valley, WA 99037Directions
- Mirabeau Branch13224 E Mansfield Ave, Suite 115, Spokane Valley, WA 99216Directions
- Mullan Branch201 N Mullan Rd, Spokane Valley, WA 99206Directions
Moses Lake area · 2
- Ephrata Branch260 C St SW, Ephrata, WA 98823Directions
- Moses Lake Branch1704 S Clover Dr, Moses Lake, WA 98837Directions
Montana
6 branches
Great Falls area · 2
- 10th Avenue (Great Falls)1915 10th Ave S, Great Falls, MT 59405Directions
- River Drive1500 River Dr N, Great Falls, MT 59401Directions
Missoula area · 2
- Brooks Branch1502 Dearborn Ave Ste A, Missoula, MT 59801Directions
- South Reserve Branch2330 S Reserve St, Missoula, MT 59801Directions
Bozeman area · 1
- Bozeman Branch1400 N 19th Ave Ste A, Bozeman, MT 59718Directions
Butte area · 1
- Butte Branch1555 Harrison Ave, Butte, MT 59701Directions
Oregon
1 branch
- La Grande209 Depot St, La Grande, OR 97850Directions
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
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 13.08% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.27% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.63% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $99 | $88 | — |
- CapitalNet worth ratio13.08%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.27%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.63%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$99Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more 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 Horizon Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.