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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Financial Horizons Credit Union Rates & Review April 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.
Read Full Bio →
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: March 26, 2026
Financial Horizons Credit Union's 12-Month CD rates are at 3.00%. Financial Horizons Credit Union's Personal Loan Rates are at 4.25%. 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 0.26%. Rates were last updated on 03/26/2026. 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 Auto Loan Rates
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
51
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
0.26%
Return on Assets (ROA)
0.6628%
Return on Equity (ROE)
5.3522%
Non-Performing Loans Ratio (NPL)
0.06%
Total Assets
302,143,018
Total Amount of Shares and Deposits
272,091,385
Total Shares and Deposits < 1 Year
270,448,850
Total Shares and Deposits 1 3 Years
1,590,482
Total Shares and Deposits > 3 Years
52,053
Total Interest Expense (Sum of items 6 8)
2,343,124
Share Certificates
798
Number of Accounts for Share Drafts
9,135
IRA KEOGH Accounts
160
Number of Accounts for Regular Shares
14,306
All other shares
1,100
Money Market Shares
686
Net Income (unless the amount is already included in Undivided Earnings)
2,002,595
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
13,666,995
Total Liabilities
273,514,543
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Financial Horizons Credit UnionIs Financial Horizons Credit Union a safe place to deposit money?Yes, Financial Horizons Credit Union is considered a safe financial institution. With a Texas Ratio of 0.25679772317155%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How 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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