Credit union · NCUA insured
Horizon Credit Union Savings Rates
Horizon Credit Union’s best savings rate is 0.05% APY on $10,000, with its Insurance Plus Shares. Rates checked October 22, 2026.
How Horizon Credit Union’s savings 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
3.03%APY
- Requires
- Monthly account activity
- Minimum
- $5
- Earns on $10,000 a year
- $303
Tether Savings
Top rate
Progressions Credit Union
4.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $400
2nd-highest rate
WaFd Bank
3.82%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $382
Horizon Credit Union savings score
73
Savings score
Higher than 34% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.05%
- $100,000 balance$100,0000.05%
- 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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
HomeStart Savings
3.03%APY on $10,000
Must open both a HomeStart savings and Summit or Replenish checking account (excluding Tether and Explorer Checking). Current or previous homeowners ineligible.
| Part of the balance | Rate on that part |
|---|---|
| Up to $50,000 | 3.03% |
| Over $50,000 | 0.05% |
On $10,000 the tiers blend to about 3.03% APY, earning $303 a year.
Sources (1)
- hzcu.org/personal-accounts/savings/homestart-savings · captured Oct 15, 2026
Tether Savings
3.03%APY
Must be 18 and over. Tether Savings and Tether Checking are a bundled pair and must be opened and maintained to qualify for the account. Electronic statements are required. No monthly service fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $15,000To earn stated APY: must open both Tether savings and Tether checking, agree to receive electronic/online statements, maintain a minimum balance of $50 in Tether Savings, and make monthly electronic transfer/deposit of $50 or more from Tether checking to Tether savings. Stated APY paid on balances up to $15,000.Up to $15,000 | 3.03% | $303 | To earn stated APY: must open both Tether savings and Tether checking, agree to receive electronic/online statements, maintain a minimum balance of $50 in Tether Savings, and make monthly electronic transfer/deposit of $50 or more from Tether checking to Tether savings. Stated APY paid on balances up to $15,000. |
Sources (2)
All captured Oct 15, 2026
Insurance Plus Shares
0.05%APY
Must be 18 and over. Includes Excess Share Insurance on balances up to $250,000 in addition to NCUA insurance. No monthly service fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $250 and upMinimum monthly balance to earn dividends is $250.$250 and up | 0.05% | $5 | Minimum monthly balance to earn dividends is $250. |
Value Shares
0.05%APY
Must be 18 and over. No monthly service fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $250 and upMinimum monthly balance to earn dividends is $250.$250 and up | 0.05% | $5 | Minimum monthly balance to earn dividends is $250. |
Special-purpose accounts
Explorer Savings
0.05%APY
For ages 0-18. No monthly service fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upMinimum monthly balance to earn dividends is $5.$5 and up | 0.05% | $5 | Minimum monthly balance to earn dividends is $5. |
IRA Shares
0.05%APY
Available as Traditional, Roth, and Coverdell IRAs. Dividends compounded and credited monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAll Balance Ranges earn 0.05% dividend rate and 0.05% APY. Minimum balance to start earning dividends is $5.Any balance | 0.05% | $5 | All Balance Ranges earn 0.05% dividend rate and 0.05% APY. Minimum balance to start earning dividends is $5. |
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.