Horizons North Credit Union High-Yield Savings & Money Market Rates

How Horizons North Credit Union’s savings 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
3.00%APY
Requires
Monthly account activity
Minimum
$10
Earns on $10,000 a year
$300
Kasasa Saver
Top rate
Westerra Credit Union
6.00%APY
Requires
Another account
Minimum
—
Earns on $10,000 a year
$600
Westerra Credit Union rates
2nd-highest rate
Solera
4.34%APY
Requires
None
Minimum
—
Earns on $10,000 a year
$434
Solera rates

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Savings score

Higher than 65% of U.S. banks and credit unions

By balance

$1,000 balance$1,0000.05%
$10,000 balance$10,0000.50%
$100,000 balance$100,0003.50%
QualifiedQualified3.00%

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.

How the score works →

Where Horizons North 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.

Best in Show Money Market

Up to 3.50%APY

No dividends will be earned on the days that the minimum balance falls below $35,000.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
$35,000 – $70,000No dividends will be earned on the days that the minimum balance falls below $35,000.	3.00%	—	No dividends will be earned on the days that the minimum balance falls below $35,000.
$70,000 and upNo dividends will be earned on the days that the minimum balance falls below $35,000.	3.50%	—	No dividends will be earned on the days that the minimum balance falls below $35,000.

Sources (3)

All captured Sep 17, 2026

Kasasa Saver

Up to 3.00%APYRequirements apply$10 to open

Links to a FREE Kasasa Cash, Kasasa Cash Back, Kasasa Eats or Kasasa Play checking account. To earn qualifying rates, enrollments must be in place and the following transactions/activities must post and settle to your Kasasa Cash account during each Monthly Qualification Cycle: at least one (1) ACH Debit payment or Bill Pay transaction, at least 15 debit card purchases, and be enrolled in and agree to receive eStatements.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $25,000When monthly qualification requirements are met.	3.00%	$300	When monthly qualification requirements are met.
Any balanceAll balances if qualifications not met.	0.01%	$1	All balances if qualifications not met.
$25,000 and upWhen monthly qualification requirements are met on balances over $25,000.	0.25%	—	When monthly qualification requirements are met on balances over $25,000.

Sources (4)

All captured Sep 17, 2026

Horizons Account

Up to 2.00%APYMoney market$25,000 to open

$10 monthly fee if account falls below the minimum balance of $25,000. No dividends are earned on the days that the account balance falls below the minimum balance.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
$25,000 – $100,000$10 monthly fee if account falls below the minimum balance of $25,000. No dividends are earned on the days that the account balance falls below the minimum balance.	1.00%	—	$10 monthly fee if account falls below the minimum balance of $25,000. No dividends are earned on the days that the account balance falls below the minimum balance.
$100,000 and up$10 monthly fee if account falls below the minimum balance of $25,000. No dividends are earned on the days that the account balance falls below the minimum balance.	2.00%	—	$10 monthly fee if account falls below the minimum balance of $25,000. No dividends are earned on the days that the account balance falls below the minimum balance.

Sources (3)

All captured Sep 17, 2026

Horizons Account

Up to 2.00%APY

$10 monthly fee if account falls below the minimum balance of $25,000. No dividends are earned on the days that the account balance falls below the minimum balance.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
$25,000 – $100,000Monthly fee of $10 applies if account balance falls below $25,000.	1.00%	—	Monthly fee of $10 applies if account balance falls below $25,000.
$100,000 and upMonthly fee of $10 applies if account balance falls below $25,000.	2.00%	—	Monthly fee of $10 applies if account balance falls below $25,000.

Sources (2)

All captured Sep 17, 2026

Cash Management Account

0.50%APYMoney market$2,500 to open

No dividends will be earned on the days that the minimum balance falls below $2,500.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
$2,500 – $10,000No dividends will be earned on the days that the minimum balance falls below $2,500.	0.25%	—	No dividends will be earned on the days that the minimum balance falls below $2,500.
$10,000 and upNo dividends will be earned on the days that the minimum balance falls below $2,500.	0.50%	$50	No dividends will be earned on the days that the minimum balance falls below $2,500.

Sources (3)

All captured Sep 17, 2026

Cash Management Account

0.50%APY

No dividends will be earned on the days that the minimum balance falls below $2,500.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
$2,500 – $10,000No dividends earned if balance falls below $2,500.	0.25%	—	No dividends earned if balance falls below $2,500.
$10,000 and upNo dividends earned if balance falls below $2,500.	0.50%	$50	No dividends earned if balance falls below $2,500.

Sources (2)

All captured Sep 17, 2026

Share Savings - Primary and Secondary

0.05%APY$10 to open

Establishes credit union membership. No monthly service fee.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
Up to $500	0.00%	—
$500 – $2,000	0.05%	—
$2,000 – $5,000	0.05%	—
$5,000 – $20,000	0.05%	$5
$20,000 and up	0.05%	—

Sources (4)

All captured Sep 17, 2026

Special-purpose accounts

Youth Accounts - Polar Bear

0.05%APYKids and teens

Available to members under 13 years of age. No monthly service fees or minimum balance requirements.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
Up to $3,000	3.00%	—
Over $3,000	0.05%	$5

Sources (4)

All captured Sep 17, 2026

Youth Accounts - Teen Vision

0.05%APYKids and teens

Available to members aged 13-18 years old. No monthly service fee.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
Up to $3,000	3.00%	—
Over $3,000	0.05%	$5

Sources (4)

All captured Sep 17, 2026

IRA Share Accounts

0.20%APYIRA$25 to open

No setup fees; no monthly or annual maintenance fees. Annual contribution limits apply.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
$25 and up	0.20%	$20

Sources (4)

All captured Sep 17, 2026

Club Accounts

0.05%APYClub$10 to open

Includes Holiday, Vacation, and Summer club accounts. No minimum balance required; no monthly service fee.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceApplies to Holiday Club, Vacation Club, and Summer Club accounts.Any balance	0.05%	$5	Applies to Holiday Club, Vacation Club, and Summer Club accounts.

Sources (3)

All captured Sep 17, 2026

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.

Check membership requirements ↗Branches and institution details

← Horizons North Credit Union overview

How Horizons North Credit Union’s savings rates compare

Horizons North Credit Union savings score

Current savings rates

Best in Show Money Market

Kasasa Saver

Horizons Account

Horizons Account

Cash Management Account

Cash Management Account

Share Savings - Primary and Secondary

Special-purpose accounts

Youth Accounts - Polar Bear

Youth Accounts - Teen Vision

IRA Share Accounts

Club Accounts

Who can join Horizons North Credit Union

Where you live or work

Employers and groups

Family and household

Other ways

Cost to join