Credit union · NCUA insured
Horizon Credit Union CD Rates
Top CarrotHorizon Credit Union’s best CD rate is 4.40% APY on a 5-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Horizon Credit Union’s CD rates compare
Compared with banks and credit unions near Ogden, UT, where Horizon Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Horizon Credit Union
4.40%APY
- Term
- 60 months
- Minimum
- —
- Earns on $10,000
- $2,402
Certificate
Top rate
America First Credit Union
4.60%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,522
2nd-highest rate
Utah Power Credit Union
4.50%APY
- Term
- 12 months
- Minimum
- $9
- Earns on $10,000
- $450
Horizon Credit Union CD score
89
CD score
Higher than 85% of U.S. banks and credit unions
- 3–8 months3–8 mo0.75%
- 9–15 months9–15 mo3.95%
- 16–30 months16–30 mo4.10%
- 31–60 months31–60 mo4.40%
- QualifiedQualified4.40%
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.
Certificate
Up to 4.40%APY · 7 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 0.75% | $37 |
| 12 months | 3.95% | $395 |
| 18 months | 4.00% | $606 |
| 24 months | 4.10% | $837 |
| 36 months | 4.20% | $1,314 |
| 48 months | 4.25% | $1,811 |
| 60 months | 4.30% | $2,343 |
Sources (1)
- myhorizoncu.com/rates · captured Oct 22, 2026
Special-purpose accounts
IRA Certificate
Up to 4.40%APY · 7 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 0.75% | $37 |
| 12 months | 3.95% | $395 |
| 18 months | 4.00% | $606 |
| 24 months | 4.10% | $837 |
| 36 months | 4.20% | $1,314 |
| 48 months | 4.25% | $1,811 |
| 60 months | 4.30% | $2,343 |
Sources (1)
- myhorizoncu.com/rates · captured Oct 22, 2026
Youth Certificate
Up to 4.30%APY · 7 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 0.75% | $37 |
| 12 months | 3.95% | $395 |
| 18 months | 4.00% | $606 |
| 24 months | 4.10% | $837 |
| 36 months | 4.20% | $1,314 |
| 48 months | 4.25% | $1,811 |
| 60 months | 4.30% | $2,343 |
Sources (1)
- myhorizoncu.com/rates · captured Oct 22, 2026
Who can join Horizon Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.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.
Membership information collected October 4, 2026.