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Horizon rates: up to 4.38% APY

credit union · NCUA CHARTER 67264 · www.hzcu.org/

Savings

ProductTerm / tierRateBasisRecordedHistoryChange
12 Month IRA$500.00 Minimum Opening Deposit $25,000.00 to $99,999.99 $100,000.00 to $500,000.00 4.38%APY2026-11-01 since 2026-11-01
36 Month IRA$500.00 Minimum Opening Deposit $25,000.00 to $99,999.99 $100,000.00 to $500,000.00 3.61%APY2026-11-01 since 2026-11-01
48 Month IRA$500.00 Minimum Opening Deposit $25,000.00 to $99,999.99 $100,000.00 to $500,000.00 3.45%APY2026-11-01 since 2026-11-01
60 Month IRA$500.00 Minimum Opening Deposit $25,000.00 to $99,999.99 $100,000.00 to $500,000.00 3.55%APY2026-11-01 since 2026-11-01
Explorer Savings$5.00 or more 0.05%APY2026-11-01 since 2026-11-01
HSA$500.01 or more 0.05%APY2026-11-01 since 2026-11-01
IRA SharesAll Balance Ranges 0.05%APY2026-11-01 since 2026-11-01
Savings AccountInsurance Plus Shares · $250.00 or more 0.05%APY2026-11-01 since 2026-11-01
Savings AccountValue Shares · $250.00 or more 0.05%APY2026-11-01 since 2026-11-01
Tether Savings$0.01 - $15,000.00 3.03%APY2026-11-01 since 2026-11-01
Tether Savings DisclosureHorizon Focus · $0.00 - $2,499.99 $2,500.00 - $9,999.99 $10,000 - $24,999.99 $25,000.00 or more 0.00%APY2026-11-01 since 2026-11-01
Tether Savings DisclosureHigh Yield · $0.00 - $24,999.99 $25,000.00 - $74,999.99 $75,000.00 - $149,999.99 $150,000.00 - $249,999.99 $250,000.00 or more 0.00%APY2026-11-01 since 2026-11-01
Tether Savings DisclosureHorizon Vision · $0.00 - $24,999.99 $25,000.00 - $49,999.99 $50,000.00 - $99,999.99 $100,000.00 or more 0.20%APY2026-11-01 since 2026-11-01

Checking

ProductTerm / tierRateBasisRecordedHistoryChange
Replenish Checking$0.00 0.00%APY2026-11-01 since 2026-11-01
Summit Checking$50.00 to $10,000.00 $10,000.01 or more 3.03%APY2026-11-01 since 2026-11-01
Tether Checking$0.00 0.00%APY2026-11-01 since 2026-11-01

Sources and evidence

PageLast capturedLast resultDigest
www.hzcu.org/personal-accounts/certificates/— extract-failed
www.hzcu.org/rates/2026-11-01 19:15 UTC ok45ae741cfc26
www.hzcu.org/personal-accounts/savings/— extract-failed