Credit union · NCUA insured
Horizon Credit Union Credit Card Rates
Horizon Credit Union credit cards start at 12.65% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Horizon Credit Union’s credit card rates compare
Compared with banks and credit unions near Spokane, WA, where Horizon Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Horizon Credit Union
12.65%APR
- Up to
- 21.25% APR
Horizon Visa Credit Card
Lowest rate
Cheney Federal Credit Union
7.25%APR
- Up to
- —
2nd-lowest rate
Responders Emergency Services Credit Union
8.90%APR
- Up to
- —
Horizon Credit Union credit card score
69
Credit card score
Higher than 25% of U.S. banks and credit unions
- Purchase APRPurchase APR12.65%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Horizon Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Horizon Visa Credit Card
Membership required. Rate based on credit qualification and the VISA Credit Card selected. After account opening, APR will vary with the market based on the prime rate.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.65%–21.25% | None | APR is 12.65% to 21.25% when you open your account; after that, APR will vary with the market based on the prime rate. Rate is based on credit qualification and the VISA Credit Card selected. No interest charged on purchases if entire new purchase balance is paid by the due date each month. |
Platinum Points
Membership required. Rewards credit card that earns points on purchases redeemable for cash back, travel, merchandise, and gift cards. Rate based on credit qualification and card selected. After account opening, APR will vary with the market based on the prime rate.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.65%–21.25% | None | APR is 12.65% to 21.25% when you open your account; after that, APR will vary with the market based on the prime rate. Rate is based on credit qualification and the VISA Credit Card selected. No interest charged on purchases if entire new purchase balance is paid by the due date each month. |
Sources (2)
All 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.