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iAdvertiser Disclosure
Advertiser Disclosure
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 Financial Horizons Credit Union Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: September 10, 2026
Financial Horizons Credit Union's 6 Month CD rates are at 3.90%, 3 Month CD rates are at 3.75%, 12-Month CD rates are at 3.60%, 12 Month CD rates are at 3.60%, 24 Month CD rates are at 3.00%. Financial Horizons Credit Union's savings rates are at 1.75%. Financial Horizons Credit Union's Personal Loan Rates are at 8.25%. MonitorBankRates evaluates the financial stability of Financial Horizons Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.34%. Rates last updated and verified on 09/10/2026. Financial Horizons Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Financial Horizons Credit Union? Share your experience about Financial Horizons Credit Union by leaving a review below, or read customer reviews before you decide to use Financial Horizons Credit Union. Financial Horizons Credit Union
Financial Horizons Credit Union PO Box 2288
https://www.fhcunv.org Hawthorne, NV 89415 
Financial Horizons Credit Union CD Rates
Financial Horizons Credit Union Savings Rates
Financial Horizons Credit Union Checking Rates
Financial Horizons Credit Union Auto Loan Rates
Financial Horizons Credit Union Personal Loan Rates
Financial Health HistoryFinancial Horizons Credit Union’s Texas Ratio stayed near 0.30% in Q2 2023 to 0.34% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the amber line marks the 15% level a credit union must stay under to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy threshold
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Financial Horizons Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Financial Horizons Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Financial Horizons Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Financial Horizons Credit Union
Website
https://www.fhcunv.org
Address
PO Box 2288,
Hawthorne, NV 89415
Phone
775-945-2421
Fax
775-945-1262
President
Randall Emm
CEO
Theresa Lupori
Full-Time Employees
52
Part-Time Employees
2
Branch Locations
4
ATM Locations
4
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.34%
Return on Assets (ROA)
0.3875%
Return on Equity (ROE)
3.0723%
Non-Performing Loans Ratio (NPL)
0.08%
Total Assets
314,099,775
Total Amount of Shares and Deposits
282,432,031
Total Shares and Deposits < 1 Year
269,736,139
Total Shares and Deposits 1 3 Years
12,072,829
Total Shares and Deposits > 3 Years
623,063
Total Interest Expense (Sum of items 6 8)
665,930
Share Certificates
704
Number of Accounts for Share Drafts
8,957
IRA KEOGH Accounts
156
Number of Accounts for Regular Shares
14,443
All other shares
1,103
Money Market Shares
692
Net Income (unless the amount is already included in Undivided Earnings)
1,217,230
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
28,413,486
Total Liabilities
283,324,844
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for Financial Horizons Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Financial Horizons Credit Union
Frequently Asked Questions About Financial Horizons Credit UnionHow many branches does Financial Horizons Credit Union operate?Financial Horizons Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Financial Horizons Credit Union?Yes, to access services at Financial Horizons Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Financial Horizons Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Financial Horizons Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Financial Horizons Credit Union offer online and mobile banking?Most modern institutions like Financial Horizons Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.fhcunv.org. Current Financial Horizons Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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