Credit union · NCUA insured
Horizon Credit Union
Top CarrotA $186.7M credit union headquartered in Farmington, UT, with 12,367 members and 5 branches in Utah. Best rates: CDs 4.40% and savings 1.10% APY.
Horizon Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 88% of U.S. banks and credit unions
#8 of 29 in Ogden, UT metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Horizon Credit Union
Founded in 1956 to serve Davis County School District employees, Horizon Credit Union is a member-owned, not-for-profit financial institution.
Originally established at Davis High School, the credit union serves members across Davis, Weber, and Morgan counties in Utah.
- Headquarters
- 225 S 200 W, Farmington, UT 84025
- NCUA charter
- 24746
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Individuals not otherwise eligible can qualify for membership by joining the Financial Fitness Association at no cost.
Employers and groups
- Membership is open to employees, members, board members, and their family or household members of Lifetime Products.
Military, government and schools
- Membership is open to students, members, employees, board members, and their family or household members of Davis Education Foundation, Davis Technical College, and Davis School District.
Family and household
- Membership is available to any family or household member of an existing member.
- Membership is open to spouses of individuals who passed away while within the field of membership.
Cost to join
- A $5 deposit is required to open a Share Savings account and become a member.
Branches
5 branches in Utah
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Utah
5 branches
- FarmingtonMain office225 S 200 W, Farmington, UT 84025Directions
- Clearfield1270 E 1450 S, Clearfield, UT 84015Directions
- Kaysville37 E 100 N, Kaysville, UT 84037Directions
- West Point2986 W 300 N, West Point, UT 84015Directions
- South1589 S 500 W, Woods Cross, UT 84010Directions
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 | 11.54% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.91% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | -0.13% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $56 | $76 | — |
- CapitalNet worth ratio11.54%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.91%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets-0.13%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$56Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion 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.