Credit union · NCUA insured
Horizon Credit Union CD Rates
Horizon Credit Union’s best CD rate is 3.14% APY on a 5-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 15, 2026.
How Horizon Credit Union’s CD rates compare
Compared with banks and credit unions near Kingsport, TN-VA, where Horizon Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Horizon Credit Union
3.03%APY
- Term
- 60 months
- Minimum
- $5,000
- Earns on $10,000
- $1,612
Share Certificates
Top rate
Knoxville TVA Employees Credit Union
5.00%APY
- Term
- 12 months
- Minimum
- $2,500
- Earns on $10,000
- $500
2nd-highest rate
Citizens Bank
4.40%APY
- Term
- 39 months
- Minimum
- $2,500
- Earns on $10,000
- $1,502
Horizon Credit Union CD score
67
CD score
Higher than 19% of U.S. banks and credit unions
- 3–8 months3–8 mo2.79%
- 9–15 months9–15 mo1.96%
- 16–30 months16–30 mo2.27%
- 31–60 months31–60 mo3.03%
- QualifiedQualified3.03%
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 Horizon 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 Certificates
Up to 3.14%APY · 7 terms
For members looking for better returns on their money. Penalty will be imposed for early withdrawal on 36 Month Share Certificates; no early withdrawal penalties on 6 Month – 25 Month Share Certificates (except new money certificate). Dividends accrued daily and paid monthly on 6 month Share Certificates, quarterly on 12, 18, 25, and 36 month Share Certificates.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsNew money only – 180 Day Early Withdrawal Penalty. Dividends accrued daily and paid monthly | 2.79% | $138 |
| 6 monthsNo early withdrawal penalty. Dividends accrued daily and paid monthly | 1.76% | $88 |
| 12 monthsNo early withdrawal penalty. Dividends accrued daily and paid quarterly | 1.96% | $196 |
| 18 monthsNo early withdrawal penalty. Dividends accrued daily and paid quarterly | 2.02% | $304 |
| 25 monthsNo early withdrawal penalty. Dividends accrued daily and paid quarterly | 2.27% | $479 |
| 36 monthsJUMBO. Limit of 3 withdrawals per month. Substantial penalty for early withdrawal. Dividends accrued daily and paid quarterly | 2.47% | $760 |
| 36 monthsSubstantial penalty for early withdrawal. Dividends accrued daily and paid quarterly | 2.37% | $728 |
| 48 monthsJUMBO. Limit of 3 withdrawals per month. Substantial penalty for early withdrawal | 2.68% | $1,114 |
| 48 monthsSubstantial penalty for early withdrawal | 2.57% | $1,070 |
| 60 monthsJUMBO. Limit of 3 withdrawals per month. Substantial penalty for early withdrawal | 3.14% | $1,669 |
| 60 monthsSubstantial penalty for early withdrawal | 3.03% | $1,612 |
Special-purpose accounts
IRA Certificate
2.02%APY · 1 term
Offers a structured savings environment for IRA savings. Traditional, Roth, and Educational IRAs available.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 months | 2.02% | $304 |
Who can join Horizon Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.