What are the current interest rates at Horizon Federal Credit Union?

Current rates for Horizon Federal Credit Union include: Savings: 0.03%, MMA: 0.40%

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Horizon Federal Credit Union

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Horizon Federal Credit Union Rates & Review September 2026

Q: Is a member application needed to join Horizon Federal Credit Union?

Yes, to access services at Horizon Federal 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Horizon Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 4, 2026

Horizon Federal Credit Union's savings rates are at 0.03%. Horizon Federal Credit Union's money market rates are at 0.40%. Horizon Federal Credit Union's Personal Loan Rates are at 12.00%. MonitorBankRates evaluates the financial stability of Horizon Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 12.46%. Rates last updated and verified on 09/04/2026.

Horizon Federal 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 Horizon Federal Credit Union? Share your experience about Horizon Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Horizon Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 94/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

12.46%

Excellent Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

Horizon Federal Credit Union
Executive Plaza

330 Pine st
Williamsport, PA 17701

https://horizonfcu.org

Horizon Federal Credit Union Savings Rates

Product	Rate	APY
Horizon Saver	-	4.00%
Details Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; If qualifications in Horizon Saver is met each monthly qualification cycle: earn rates as outlined above in the rate table. If monthly qualification cycle is not met, earn the qualifications not met rate. The monthly qualification cycle is defined as a period beginning on the first day of the current month's cycle and ending on the last day of that same month's statement cycle. Limit one account per SSN. Ask a Horizon professional for more terms and qualifications. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.46%
Business Membership Savings	0.05%	0.05%
Min Balance $5,000 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.46%
Membership Savings/Share	0.05%	0.05%
Min Balance $5,000 Details Balance: $5,000.01 and greater Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.46%
Business Membership Savings	0.03%	0.03%
Min Balance $30 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.46%
Business Savings	0.03%	0.03%
No additional details. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.46%
Holiday Club	0.03%	0.03%
No additional details. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.46%
Membership Savings/Share	0.03%	0.03%
Min Balance $30 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.46%
You Name It Saver(s)	0.03%	0.03%
No additional details. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.46%

Horizon Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market	0.65%	0.65%
Min Balance $150,001 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.46%
Money Market	0.50%	0.50%
Min Balance $50,000 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.46%
Money Market	0.40%	0.40%
Min Balance $0 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.46%

Horizon Federal Credit Union Checking Rates

Product	Rate	APY
Advantage Checking	-	4.00%
Min Balance $25,000 Details Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; APYs accurate as of 07/01/2026. Rates may change at any time. If qualifications are met each monthly qualification cycle: (1) balances up to $25,000 receive APY of 4.00%; and (2) balances over $25,000 earn 0.15% dividend rate on portion of balance over $25,000, resulting in 0.15 - 4.00% APY depending on the balance. If qualifications are not met, all balances earn 0.00% APY. Qualifying transactions must post to and settle account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. ATM-processed transactions do not count towards qualifying check card transactions. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher. The monthly qualification cycle is defined as a period beginning on the first day of the current month's cycle and ending on the last day of that same month's statement cycle. Limit one account per SSN. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.46%
PrintAdvantage Checking	3.92%	4.00%
Min Balance $0 Details Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Qualifying balance up to $25,000.00 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.46%
PrintBusiness Venture Checking	0.50%	0.50%
Min Balance $100,000 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.46%
PrintBusiness Venture Checking	0.30%	0.30%
Min Balance $25,000 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.46%
PrintAdvantage Checking	0.15%	0.15%
Min Balance $25,000 Details Rate applies to balances $25,000.00+; APY range: 0.15% - 4.00% Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.46%
PrintBusiness Venture Checking	0.15%	0.15%
Min Balance $0 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.46%

Horizon Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan	-	-	5.00%	Up to 5 Years
Details As low as Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.46%
Home Equity Loan	-	-	5.50%	Up to 10 Years
Details As low as Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.46%
HELOC Adjustable Rate	-	-	6.00%
Details As low as; This is an adjustable rate based on the Wall Street Journal Prime Rate Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.46%
Home Equity Loan	-	-	6.25%	Up to 15 Years
Details As low as Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.46%
Home Equity Loans	6.00%	-	7.00%
Details Rates displayed above include a 1.00% rate discount for automatic payments out of an active Horizon checking account. Alternate rates available for loan-to-values of up to 85% of homes value and second lien position. Rates are determined by term, overall credit history, loan-to-value, lien position, account relationship with the credit union and type of property. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.46%

Horizon Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan	-	-	5.00%	Up to 48 Months
Details As low as Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.46%
Auto Loan	-	-	5.50%	Up to 60 Months
Details As low as Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.46%
Auto Loan	-	-	6.00%	Up to 72 Months
Details As low as Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.46%
Auto Loan	-	-	6.50%	Up to 84 Months
Details As low as Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.46%

Horizon Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Line of Credit	12.00%
Details As Low As Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.46%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Horizon Federal Credit Union’s Texas Ratio rose from 5.37% in Q2 2023 to 12.46% in Q1 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. 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

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$152M	12.46%	5.0	A
December 31, 2025	$148M	12.54%	5.0	A
September 30, 2025	$147M	12.81%	5.0	A
June 30, 2025	$147M	9.62%	5.0	A
March 31, 2025	$149M	6.93%	5.0	A
December 31, 2024	$142M	8.45%	5.0	A
September 30, 2024	$143M	8.17%	5.0	A
June 30, 2024	$145M	12.17%	5.0	A
March 31, 2024	$145M	13.53%	5.0	A
December 31, 2023	$137M	7.19%	5.0	A
September 30, 2023	$134M	7.16%	5.0	A
June 30, 2023	$138M	5.37%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Horizon Federal 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 Horizon Federal 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 Horizon Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Horizon Federal Credit Union

Website https://horizonfcu.org

Address 330 Pine st, Williamsport, PA 17701

Phone 570-326-3636

Fax

President JAMES FEDELE

CEO Justin Howard

Full-Time Employees 60

Part-Time Employees 6

Branch Locations 6

ATM Locations 5

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (94/100)

Texas Ratio

12.46%

Return on Assets (ROA)

-0.0545%

Return on Equity (ROE)

-0.6168%

Non-Performing Loans Ratio (NPL)

1.86%

Total Assets

152,389,837

Total Amount of Shares and Deposits

137,929,772

Total Shares and Deposits < 1 Year

137,927,705

Total Shares and Deposits > 3 Years

2,067

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

1,690,079

Total Uninsured Shares and Deposits > $250K (F+J)

1,690,079

Total Insured Shares and Deposits > $250K (item 17 less item K)

136,239,693

Total Interest Expense (Sum of items 6 8)

339,726

Share Certificates

Number of Accounts for Share Drafts

10,625

IRA KEOGH Accounts

Number of Accounts for Regular Shares

18,477

Money Market Shares

153

Net Income (unless the amount is already included in Undivided Earnings)

144,634

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)

20,610,336

Total Liabilities

139,123,378

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Horizon Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Horizon Federal 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.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Horizon Federal Credit Union

Frequently Asked Questions About Horizon Federal Credit Union

How many branches does Horizon Federal Credit Union operate?

Horizon Federal 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 Horizon Federal Credit Union?

Yes, to access services at Horizon Federal 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, Horizon Federal 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, Horizon Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Horizon Federal Credit Union offer online and mobile banking?

Most modern institutions like Horizon Federal 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://horizonfcu.org.

Current Horizon Federal Credit Union Rates

Savings0.03%
MMA0.40%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Horizon Federal Credit Union Rates & Review September 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Horizon Federal Credit Union Texas Ratio

Horizon Federal Credit Union Health Trend

Horizon Federal Credit Union Savings Rates

Horizon Federal Credit Union Money Market Rates

Horizon Federal Credit Union Checking Rates

Horizon Federal Credit Union Home Equity & HELOC

Horizon Federal Credit Union Auto Loan Rates

Horizon Federal Credit Union Personal Loan Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Horizon Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Horizon Federal Credit Union

How many branches does Horizon Federal Credit Union operate?

Is a member application needed to join Horizon Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Horizon Federal Credit Union offer online and mobile banking?

Current Horizon Federal Credit Union Rates

Compare to Other Credit Unions