Credit union · NCUA insured
Horizon Credit Union
A $59.7M credit union headquartered in Kingsport, TN, with 4,080 members and 3 branches in Tennessee. Best rates: CDs 3.14% and savings 0.25% APY.
Horizon Credit Union Carrot Score
82
Carrot Score
Higher than 57% of U.S. banks and credit unions
#5 of 15 in Kingsport, TN-VA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Horizon Credit Union
Horizon Credit Union is a member-owned financial institution headquartered in Kingsport, Tennessee.
Originating as Municipal Employees Credit Union in 1932, it merged with Kingsport Postal and Federal Government Employee's Credit Union in 1999 and AGC Credit Union in 2014, adopting its current name in 2016.
- Headquarters
- 1201 N Eastman Rd, Kingsport, TN 37664-3163
- NCUA charter
- 68138
Branches
3 branches in Tennessee
Loading map…
Tennessee
3 branches
- Horizon Credit UnionMain office1201 N Eastman Rd, Kingsport, TN 37664Directions
- Horizon Credit Union600 AFG Rd, Church Hill, TN 37642Directions
- Horizon Credit Union130 Main St W, Mount Carmel, TN 37645Directions
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 | 11.89% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.11% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.69% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $80 | $59 | — |
- CapitalNet worth ratio11.89%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.11%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.69%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$80Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million 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.