Credit union · NCUA insured
Horizons North Credit Union
Top CarrotA $135.6M credit union headquartered in Westminster, CO, with 6,718 members and 1 branch in Colorado. Best rates: CDs 3.75% and savings 0.50% APY.
Horizons North Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 80% of U.S. banks and credit unions
#13 of 64 in Denver, CO metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Horizons North Credit Union
Founded in May 1960 as School District 12 Credit Union, Horizons North Credit Union is headquartered in Westminster, Colorado, having adopted its current name in November 2000.
The member-owned credit union serves the Metro North area, including Adams 12 Five Star Schools District, the City of Northglenn, and local community partners.
- Headquarters
- 13559 Huron St, Westminster, CO 80234-1161
- NCUA charter
- 68274
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live or work in the City of Westminster, Adams, Broomfield, or Denver Counties are eligible for membership.
Employers and groups
- Employees of community partners (SEG Groups) including Adams 12 Five Star Schools District, American Furniture Warehouse, City of Northglenn, Community Reach Center, IECRM, and North Suburban Medical Center are eligible for membership.
Family and household
- Individuals related to an existing member are eligible for membership.
- Individuals related to anyone who works for a community partner (SEG Group) are eligible for membership.
Other ways
- Colorado residents can qualify for membership by joining GoWest Foundation with a one-time $5 membership fee.
Cost to join
- A minimum deposit of $5 into a savings account is required to open an account.
- A one-time $5 membership fee is charged for GoWest Foundation upon account opening for that eligibility route.
Branches
1 branch in Colorado
Loading map…
Colorado
1 branch
- Main OfficeMain office13559 Huron St, Westminster, CO 80234Directions
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 | 8.31% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.05% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.74% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $73 | $76 | — |
- CapitalNet worth ratio8.31%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.05%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.74%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$73Peers’ 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 Horizons North Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.