Credit union · NCUA insured
Horizons North Credit Union CD Rates
Top CarrotHorizons North Credit Union’s best CD rate is 3.75% APY on a 4-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Horizons North Credit Union’s CD rates compare
Compared with banks and credit unions near Denver, CO, where Horizons North Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Horizons North Credit Union
3.75%APY
- Term
- 4 months
- Minimum
- $500
- Earns on $10,000
- $123
Promotional Certificates
Top rate
Northern New Mexico School Employees Federal Credit Union
5.12%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $1,050
Northern New Mexico School Employees Federal Credit Union rates
2nd-highest rate
Nicolet National Bank
4.75%APY
- Term
- 60 months
- Minimum
- $2,500
- Earns on $10,000
- $2,612
Horizons North Credit Union CD score
76
CD score
Higher than 40% of U.S. banks and credit unions
- 3–8 months3–8 mo3.75%
- 9–15 months9–15 mo3.60%
- 16–30 months16–30 mo3.00%
- 31–60 months31–60 mo3.00%
- QualifiedQualified3.75%
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 Horizons North 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.
Promotional Certificates
3.75%APY · 1 term
No limit on maximum deposit. Ability to withdraw full balance after funding. No early withdrawal penalty fee. Certificate Special valid from 12/1/2025 through 12/31/2025. Credit Union promotional rates, terms, and conditions are subject to change at any time without notice.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 4 monthsNo early withdrawal penalty fee. Ability to withdraw full balance after funding. Certificate Special valid from 12/1/2025 through 12/31/2025 | 3.75% | $123 |
Sources (1)
- hncu.org/accounts/personal-sav…ement-accounts-iras.html · captured Oct 15, 2026
Share Certificates
Up to 3.65%APY · 6 terms
Dividends may be withdrawn at member's request. Early withdrawal penalties apply. No setup or maintenance fees.
| Term | APY · $500 – $10,000 | APY · $10,000 – $25,000 | APY · $25,000 – $50,000 | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 3 months | 2.75% | 2.75% | 2.75% | 2.75% | 2.75%2.75% $500–$10k2.75% $25k–$50k2.75% from $50k | $68 |
| 6 months | 3.65% | 3.65% | 3.65% | 3.65% | 3.65%3.65% $500–$10k3.65% $25k–$50k3.65% from $50k | $181 |
| 12 months | 3.60% | 3.60% | 3.60% | 3.60% | 3.60%3.60% $500–$10k3.60% $25k–$50k3.60% from $50k | $360 |
| 24 months | 3.00% | 3.00% | 3.00% | 3.00% | 3.00%3.00% $500–$10k3.00% $25k–$50k3.00% from $50k | $609 |
| 36 months | 3.00% | 3.00% | 3.00% | 3.00% | 3.00%3.00% $500–$10k3.00% $25k–$50k3.00% from $50k | $927 |
| 60 months | 2.50% | 2.50% | 2.50% | 2.50% | 2.50%2.50% $500–$10k2.50% $25k–$50k2.50% from $50k | $1,314 |
Special-purpose accounts
IRA Share Certificates
Up to 3.60%APY · 4 terms
Dividends tied to market rates. Higher dividend rates, providing greater earnings. Early withdrawal penalties apply. No setup fees, no monthly or annual maintenance fees. Annual contribution limits apply; additional $1,000 catch-up contribution allowed for ages 50+.
| Term | APY · $500 – $10,000 | APY · $10,000 – $25,000 | APY · $25,000 – $50,000 | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 12 months | 3.60% | 3.60% | 3.60% | 3.60% | 3.60%3.60% $500–$10k3.60% $25k–$50k3.60% from $50k | $360 |
| 18 months | 3.25% | 3.25% | 3.25% | 3.25% | 3.25%3.25% $500–$10k3.25% $25k–$50k3.25% from $50k | $491 |
| 36 months | 3.00% | 3.00% | 3.00% | 3.00% | 3.00%3.00% $500–$10k3.00% $25k–$50k3.00% from $50k | $927 |
| 60 months | 2.50% | 2.50% | 2.50% | 2.50% | 2.50%2.50% $500–$10k2.50% $25k–$50k2.50% from $50k | $1,314 |
Who can join Horizons North Credit Union
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.
Membership information collected October 4, 2026.