HORIZON is an NCUA-insured credit union located in Spokane Valley, WA. New auto loan rates from 5.49% APR. Google rating: 4.1 out of 5 from 53 reviews.

Horizon

PO Box 15128, Spokane Valley, WA 99215

NCUA Insured4.1 (53 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1948

Contact this credit union directly for detailed information about membership eligibility and current rates.

Membership Eligibility

Anyone who lives, works, or worships in or around Spokane Valley, WA may be eligible to join. Community credit unions are open to the general public within their service area.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

2 charter

Established in 1948

Low-Income Designated

Contact this credit union directly for detailed information about membership eligibility, current rates, and services.

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness LoansCredit Cards

Location & Directions

Address

PO Box 15128

Spokane Valley, WA 99215

Google Maps 🗺Waze

(509) 928-6494

Service Area

This credit union is located in Spokane Valley and serves members in the WA area. Currently serving 105,370 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q1 2026 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Why this matters

These metrics show how well the credit union manages money and risk. A financially healthy credit union is more stable and better positioned to offer competitive rates to members.

Source: NCUA Federally Insured Credit Unions list, Q1 2026.

Loan Rates

Rates sourced from NCUA call report data (Q1 2026). Contact the credit union for current rates and terms.

New Auto Loan

5.49%

Used Auto Loan

5.99%

Personal Loan

11.90%

Credit Card APR

12.40%

Important: Rates are sourced from NCUA call report filings (Q1 2026) and reflect weighted averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in WA

Lowest rates currently reported by credit unions in WA (NCUA Q1 2026).

Whatcom Educational— New Auto Loan

Bellingham, WA

3.24%

Lower Columbia Longshoremen— Used Auto Loan

Longview, WA

3.99%

Numerica— Personal Loan

Spokane Valley, WA

5.32%

Waterfront— Credit Card APR

Seattle, WA

2.97%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(30 total)

Compare Rates in Spokane Valley

See how HORIZON stacks up against other credit unions nearby — sorted by lowest APR.

Best Car Loan Rates in Spokane Valley →Best Personal Loan Rates in Spokane Valley →Best Credit Card Rates in Spokane Valley →All Credit Unions in Spokane Valley →

Member Reviews

4.1

53 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps

HILAL CEHO

a year ago

Omg! Best Bank experience ever! I don't want to name anyone here, but people working at this bank, you want to take them with you every where you go as your bank representative. Speaking the lady I work with name starts with A. Amazing! Your customer Representative skills should be used as the best example to a lot of customers representative. Thank you!!!

Lasea Thorp

2 years ago

Erika is an absolutely amazing person! Every-time I come here I’m always greeted with smiles by everyone in the office. They always help me with whatever I am in need of help with in a short period of time. They truly deserve the world and this is easily one of the best banks I’ve ever worked with!! Especially with how often I lose my card haha. And the $29 overdraft fee is truly not bad compared to other banks in the area, the CDA bank charges a $200 overdraft fee which is absolutely insane! Never looking back and won’t swap credit unions for any other one ❤️ love this place and all their employees way too much

Heide Tift

2 years ago

My family and I moved to Spokane 3 years ago and I opened an account with Horizon. I never expected the first rate service that I have received in every interaction. They have answered all my questions and provided valuable tips and support when it comes to my financial health. I have worked with Jennifer and Erika and I trust and value their guidance with all my financial endeavors.

Barbara LaBrosse

2 years ago

We had an estate account at Bank of America. We needed checks right away. They said they would be here in two weeks and they couldn’t give us counter checks . Three weeks later still no checks, they had forgotten to order them. Closed the account and went to see Erika at hzcu Mirabeau. She had us all set up in no time. She was (and always is) wonderful. Everyone in that office treats us like a friend. Loved it!

Trish Itve

3 years ago

ATM is always breaking down AND NOT just this location!! Highly recommend NOT becoming a member with this bank. The last time my card and transactions were stuck, the bank help line told me how to "hack" the machine to get my card back. WOW, REALLY!!! This is what your help line provides!!! The only positive point with this "organization" is the wonderful staff who work at the branch who helped me properly, and LEGALLY, the next day. Thank you to Erica who is my saving grace and the ONLY reason we continue to be members.