Credit union · NCUA insured
Horizon Credit Union CD Rates
Horizon Credit Union’s best CD rate is 4.38% APY on a 1-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 4, 2026.
How Horizon Credit Union’s CD rates compare
Compared with banks and credit unions near Spokane, WA, where Horizon Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Horizon Credit Union
4.70%APY
- Term
- 15 months
- Requires
- Another account
- Minimum
- —
- Earns on $10,000
- $591
15 Month Certificate
Top rate
Ironworkers USA Credit Union
4.75%APY
- Term
- 24 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $973
3rd-highest rate
ICCU
4.30%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $2,343
Horizon Credit Union CD score
88
CD score
Higher than 84% of U.S. banks and credit unions
- 3–8 months3–8 mo3.40%
- 9–15 months9–15 mo4.38%
- 16–30 months16–30 mo3.61%
- 31–60 months31–60 mo3.61%
- QualifiedQualified4.70%
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.
15 Month Certificate
Up to 4.70%APY · 1 term
APY = Annual Percentage Yield. Early withdrawal penalties apply. Fees may reduce earnings on accounts. Membership requirements and fees may apply. Rates subject to change without notice. Maximum deposit of $1M per individual.
| Term | APY · Any balance | APY · $25,000 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 15 months | 4.44% | 4.44% | 4.44% | 4.44%4.44% $25k–$100k4.44% from $100k | $558 |
| 15 monthsWith .25% Bonus with Direct Deposit of $200.00 or more to an active Horizon Checking or Savings account | 4.70% | — | — | 4.70% | $591 |
Sources (1)
- hzcu.org/rates · captured Oct 4, 2026
12 Month Certificate
4.38%APY · 1 term
APY = Annual Percentage Yield. Early withdrawal penalties apply. Fees may reduce earnings on accounts. Membership requirements and fees may apply. Rates subject to change without notice. Maximum deposit of $1M per individual.
| Term | APY · Any balance | APY · $25,000 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 12 months | 4.38% | 4.38% | 4.38% | 4.38%4.38% $25k–$100k4.38% from $100k | $438 |
Sources (1)
- hzcu.org/rates · captured Oct 4, 2026
24 Month Certificate
3.61%APY · 1 term
APY = Annual Percentage Yield. Early withdrawal penalties apply. Fees may reduce earnings on accounts. Membership requirements and fees may apply. Rates subject to change without notice. Maximum deposit of $1M per individual.
| Term | APY · Any balance | APY · $25,000 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 24 months | 3.61% | 3.61% | 3.61% | 3.61%3.61% $25k–$100k3.61% from $100k | $735 |
Sources (1)
- hzcu.org/rates · captured Oct 4, 2026
36 Month Certificate
3.61%APY · 1 term
APY = Annual Percentage Yield. Early withdrawal penalties apply. Fees may reduce earnings on accounts. Membership requirements and fees may apply. Rates subject to change without notice. Maximum deposit of $1M per individual.
| Term | APY · Any balance | APY · $25,000 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 36 months | 3.61% | 3.61% | 3.61% | 3.61%3.61% $25k–$100k3.61% from $100k | $1,123 |
Sources (1)
- hzcu.org/rates · captured Oct 4, 2026
60 Month Certificate
3.55%APY · 1 term
APY = Annual Percentage Yield. Early withdrawal penalties apply. Fees may reduce earnings on accounts. Membership requirements and fees may apply. Rates subject to change without notice. Maximum deposit of $1M per individual.
| Term | APY · Any balance | APY · $25,000 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 60 months | 3.55% | 3.55% | 3.55% | 3.55%3.55% $25k–$100k3.55% from $100k | $1,906 |
Sources (1)
- hzcu.org/rates · captured Oct 4, 2026
48 Month Certificate
3.45%APY · 1 term
APY = Annual Percentage Yield. Early withdrawal penalties apply. Fees may reduce earnings on accounts. Membership requirements and fees may apply. Rates subject to change without notice. Maximum deposit of $1M per individual.
| Term | APY · $1,000 – $25,000 | APY · $25,000 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 48 months | 3.45% | 3.45% | 3.45% | 3.45%3.45% $25k–$100k3.45% from $100k | $1,453 |
Sources (1)
- hzcu.org/rates · captured Oct 4, 2026
90 Day Certificate
3.40%APY · 1 term
APY = Annual Percentage Yield. Early withdrawal penalties apply. Fees may reduce earnings on accounts. Membership requirements and fees may apply. Rates subject to change without notice. Maximum deposit of $1M per individual.
| Term | APY · Any balance | APY · $25,000 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3 months | 3.40% | 3.40% | 3.40% | 3.40%3.40% $25k–$100k3.40% from $100k | $84 |
Sources (1)
- hzcu.org/rates · captured Oct 4, 2026
6 Month Certificate
3.30%APY · 1 term
Maximum deposit of $1M per individual. Early withdrawal penalties apply. Fees may reduce earnings on accounts. Membership requirements and fees may apply. Rates subject to change without notice.
| Term | APY · Any balance | APY · $25,000 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6 months | 3.30% | 3.30% | 3.30% | 3.30%3.30% $25k–$100k3.30% from $100k | $164 |
Sources (1)
- hzcu.org/rates · captured Oct 4, 2026
Special-purpose accounts
12 Month IRA Certificate
4.38%APY · 1 term
IRA rates shown are for Traditional, Roth, and Coverdell IRAs. Dividends compounded/credited monthly. Early withdrawal may be subject to penalty and may affect earnings on certificates. Maximum deposit of $1 million per individual.
| Term | APY · Any balance | APY · $25,000 – $100,000 | APY · $100,000 – $500,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 12 months | 4.38% | 4.38% | 4.38% | 4.38%4.38% $25k–$100k4.38% $100k–$500k | $438 |
Sources (1)
- hzcu.org/rates · captured Oct 4, 2026
24 Month IRA Certificate
3.61%APY · 1 term
IRA rates shown are for Traditional, Roth, and Coverdell IRAs. Dividends compounded/credited monthly. Early withdrawal may be subject to penalty and may affect earnings on certificates. Maximum deposit of $1 million per individual.
| Term | APY · Any balance | APY · $25,000 – $100,000 | APY · $100,000 – $500,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 24 months | 3.61% | 3.61% | 3.61% | 3.61%3.61% $25k–$100k3.61% $100k–$500k | $735 |
Sources (1)
- hzcu.org/rates · captured Oct 4, 2026
36 Month IRA Certificate
3.61%APY · 1 term
IRA rates shown are for Traditional, Roth, and Coverdell IRAs. Dividends compounded/credited monthly. Early withdrawal may be subject to penalty and may affect earnings on certificates. Maximum deposit of $1 million per individual.
| Term | APY · Any balance | APY · $25,000 – $100,000 | APY · $100,000 – $500,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 36 months | 3.61% | 3.61% | 3.61% | 3.61%3.61% $25k–$100k3.61% $100k–$500k | $1,123 |
Sources (1)
- hzcu.org/rates · captured Oct 4, 2026
60 Month IRA Certificate
3.55%APY · 1 term
IRA rates shown are for Traditional, Roth, and Coverdell IRAs. Dividends compounded/credited monthly. Early withdrawal may be subject to penalty and may affect earnings on certificates. Maximum deposit of $1 million per individual.
| Term | APY · Any balance | APY · $25,000 – $100,000 | APY · $100,000 – $500,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 60 months | 3.55% | 3.55% | 3.55% | 3.55%3.55% $25k–$100k3.55% $100k–$500k | $1,906 |
Sources (1)
- hzcu.org/rates · captured Oct 4, 2026
48 Month IRA Certificate
3.45%APY · 1 term
IRA rates shown are for Traditional, Roth, and Coverdell IRAs. Dividends compounded/credited monthly. Early withdrawal may be subject to penalty and may affect earnings on certificates. Maximum deposit of $1 million per individual.
| Term | APY · Any balance | APY · $25,000 – $100,000 | APY · $100,000 – $500,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 48 months | 3.45% | 3.45% | 3.45% | 3.45%3.45% $25k–$100k3.45% $100k–$500k | $1,453 |
Sources (1)
- hzcu.org/rates · captured Oct 4, 2026
12 Month Student Certificate
2.78%APY · 1 term
Only eligible to students 25 and under. APY = Annual Percentage Yield. Early withdrawal penalties apply. Fees may reduce earnings on accounts. Membership requirements and fees may apply. Rates subject to change without notice. Maximum deposit of $1M per individual.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsOnly eligible to students 25 and under | 2.78% | $278 |
Sources (1)
- hzcu.org/rates · captured Oct 4, 2026
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.