Horizon Credit Union Spokane Valley WA | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Horizon, your trusted partner in financial well-being located at 201 N Mullan Rd, Spokane Valley, WA 99206. Established in 1948, we have proudly served our community for over 75 years, growing into a financial institution that cares deeply about its members. With a total membership of 110,742 and assets exceeding $2 billion, we are committed to providing personalized banking solutions that meet your needs. At Horizon, we believe in the power of community and connection. Our dedicated team of 379 employees is here to ensure you receive the best service possible, whether you're looking for a checking account, an auto loan, or mortgage financing. Under the leadership of our CEO, Jeffry Adams, and Board President, Steve Sharon, we're constantly striving to improve your banking experience. While you can visit us at our branch for all your banking needs, please note that official correspondence should be sent to our mailing address: PO Box 15128, Spokane Valley, WA 99215. We take pride in our robust financial health as evidenced by our $130,291,564 in deposits and $23,852,1873 in net worth. Additionally, with cash readily available amounting to $20,395,842, you can trust that your funds are secure with us. Our commitment goes beyond just numbers; it's about making a positive impact on our community. We offer various services including personal banking products like checking and savings accounts, auto loans and vehicle financing options tailored to fit any budget. Plus, our online and mobile banking features make it easy for you to manage your finances anytime and anywhere. Come experience the Horizon difference! Whether you have questions or want to explore what we offer further, feel free to reach out at 509-928-6180 or visit us online at www.hzcu.org. We look forward to welcoming you into our community!

Branch History & Mission

A Journey of Growth

From the start, our mission has been clear: to provide exceptional financial services while fostering a sense of community. Over the years, we've expanded our offerings significantly. Today, we provide personal banking services like checking and savings accounts, auto loans, mortgages, credit cards with rewards, and business banking solutions. Each step of our journey reflects our dedication to meeting the diverse needs of our members. Our growth is not just in numbers; it's in the relationships we've built. As we developed partnerships within Spokane Valley and beyond, we've actively participated in community outreach efforts that aim to uplift those around us. We believe that supporting local initiatives not only benefits individuals but strengthens the fabric of our community as a whole.

Commitment to Innovation and Community

In an ever-changing world, Horizon remains committed to embracing digital advancements while ensuring compliance with ADA standards so everyone can access our services easily. Our branch offers convenient ATM access and drive-thru banking for quick transactions. As part of our mission to serve you better, we also focus on building strong relationships with local organizations. Together, we work towards making Spokane Valley a better place for everyone. We invite you to join Horizon today! Experience firsthand how we can help you navigate your financial journey while being an integral part of your community. Together, let's build a brighter future!

Our Mission

At Horizon, our mission is more than just words on paper; it's a guiding principle that shapes everything we do. We strive to empower our members by offering comprehensive financial services that enhance their lives while ensuring they feel supported every step of the way. We are dedicated to providing accessible banking options and innovative solutions that meet the demands of modern life. Whether it's through online banking or mobile payments, we aim for convenience without compromising on service quality. While members can visit us at 201 N Mullan Rd for all their banking needs our lobby hours are Monday through Friday from 9 AM to 5 PM and Drive-Up services are available until 5:30 PM we also invite you to reach out via phone at 509-928-6180 for any inquiries or assistance.

Branch Location & Accessibility

Accessibility Features

At Horizon, we prioritize making banking accessible for everyone. Our branch features ADA-compliant facilities, including ramps and designated parking spaces to ensure easy access for all members. Whether you're visiting for a quick transaction or a more in-depth financial consultation, you'll find our space welcoming and accommodating.

Come Visit Us!

With so much to offer right here in Spokane Valley, why not stop by? Our dedicated team is ready to assist you with all your banking needs. If you have any questions or want to learn more about what we can do for you, feel free to give us a call at 509-928-6180. We look forward to welcoming you soon!

Convenient Hours & Services

We understand that life gets busy! That's why our lobby hours are designed to fit your schedule: we're open Monday through Friday from 9 AM to 5 PM. For those who prefer drive-thru banking, we offer extended hours until 5:30 PM on weekdays perfect for those on the go. In addition to traditional banking services such as checking and savings accounts, we provide a range of lending options including auto loans, personal loans, and mortgage refinancing. Plus, with ATM availability right at our branch and drive-thru services for quick transactions, managing your finances has never been easier.

Member Eligibility

At Horizon, we believe that everyone deserves a place in our community, and becoming a member is your first step toward enjoying all the benefits we offer. If you're looking to join us at our branch located at 201 N Mullan Rd, Spokane Valley, WA 99206, you'll be happy to know that eligibility is open to individuals who live, work, or worship in our service areas. We welcome families of current members too! This creates a warm and inclusive environment where your financial needs are understood and prioritized. Joining Horizon is simple and straightforward. To get started with opening an account, feel free to reach out to us at 509-928-6180 for any questions you might have. For more detailed information about eligibility criteria and the account opening process, please visit this link. We're excited to help you become part of our supportive community!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $127 in commercial loans for our members, helping businesses scale and succeed. This means that many local enterprises have been able to invest in new equipment, hire additional staff, or even open new locations thanks to the financial support we provide.

Merchant Services

In addition to loans, we offer robust merchant services designed to simplify transactions for your business. Imagine being able to accept payments seamlessly, whether it's through credit cards, mobile payments, or online transactions. Our services ensure that you can focus on what you do best running your business while we handle the complexities of payment processing.

Outstanding Support

With an outstanding commercial loan portfolio of $30,863,090, we continue to drive economic growth by financing new and expanding businesses right here in Spokane Valley. Let us partner with you on your journey toward success. Visit us at 201 N Mullan Rd Spokane Valley Wa 99206 or call us at (509) 928-6180 to learn more about how we can assist your business today!

Comprehensive List Of Services

Business Banking Support

For our local entrepreneurs, Horizon provides comprehensive Business Banking solutions including Merchant Services and Business Loans. We understand the challenges of running a business and are here to support your growth with tailored financing options.

Convenient Access

At Horizon, convenience is key. Our digital banking features allow you to manage your accounts anytime through online and mobile banking platforms. Additionally, we offer ATM & Cash Withdrawal Services along with Basic Drive-Thru Banking for quick deposits and withdrawals. Whether you're stopping by for a simple transaction at our drive-thru or using one of our ATMs for a balance check or cash withdrawal, we aim to make every interaction smooth and efficient. If you're ready to explore how Horizon can help you achieve your financial goals, don't hesitate to reach out! Call us today at 509-928-6180 or visit us at Horizon Credit Union to learn more about all the services we offer. We look forward to serving you!

Credit Cards and Rewards

We also offer Credit Cards with Rewards that allow you to earn points for every purchase you make. Imagine getting rewarded just for using your card on everyday expenses like groceries or gas!

Personal Banking Solutions

Managing your personal finances can be a breeze with our Checking & Savings Accounts. We understand that life is busy, so we provide easy online and mobile banking options that let you check balances, transfer funds, and pay bills from anywhere. If you're thinking about purchasing a new car or refinancing your current vehicle, our Auto Loans & Vehicle Financing options are competitive and designed to fit your budget. For those considering home ownership or looking to refinance, our Mortgage Loans & Refinancing services will guide you through the process with ease. And if you need extra cash for unexpected expenses or debt consolidation, our Personal Loans can help get you back on track without stress.

Digital & Online Banking

Online Banking Services

Our online banking services are available 24/7, allowing you to check balances, pay bills, and transfer funds with just a few clicks. You can explore all the features by visiting us at https://www.hzcu.org/ . Plus, if you prefer to go paperless, we provide e-statements that make it easy to keep track of your financial activity while also being environmentally friendly.

Real-Time Management

Managing your money has never been easier with our person-to-person transfer options (though currently unavailable) and comprehensive mobile banking tools. You can stay connected to your finances in real-time, ensuring that you're always in control of your spending and savings. At Horizon, we strive to bring convenience and peace of mind to every member. Embrace the future of banking with our digital services and enjoy the freedom that comes with managing your accounts effortlessly!

Security and Convenience

Security is our top priority. With features like electronic signature authorization, you can confidently complete transactions without worrying about safety. Our mobile application enhances your banking experience even further by giving you access to all your accounts right from your smartphone. Whether you're making mobile payments or checking recent transactions, everything is just a tap away.

Financial Strength

Growing Trust

Total Share Accounts stand at an impressive 147,794, showing a strong and growing member base that trusts us with their finances. Our commitment to you goes beyond numbers; it's about fostering relationships built on trust and reliability. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Horizon is your trusted partner. Visit us at 201 N Mullan Rd Spokane Valley WA 99206 or call 509-928-6180 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Member-Centric Savings

Members' savings are secured through $709,807,593 in share certificates and $208,929,428 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our operational efficiency is reflected in our net income of $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 371 full-time employees and 8 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team.

Reinvestment for Growth

With $151,024,339 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. This focus on growth allows us to continually improve our offerings for your benefit.

Strong Financial Metrics

With a net worth of $238,521,873, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 1185 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Supporting Your Financial Goals

Our lending capacity supports your financial goals across various sectors. We currently have $21,146 in used auto loans and an impressive $1,687,188,742 in total loans and leases available for our members. This means whether you're looking to purchase a vehicle or finance another important investment, we are here to help.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $394058660 in used vehicle loans and $99471139 in new vehicle loans already helping members get on the road. We provide flexible terms that make financing simple and manageable for everyone.

Business Financing

For business owners, our outstanding commercial loans totaling $30863090 provide the capital needed to grow and expand. We understand the unique challenges faced by businesses today and are committed to offering solutions that support your goals.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $83113536, make buying or refinancing straightforward. We can guide you through the process and help you find the right mortgage solution that fits your budget.

Refinancing Options

If you're considering refinancing an existing loan or checking your eligibility for any of our loan products, we encourage you to reach out. Our team is ready to assist you in navigating your options for better rates or terms. At Horizon, we're dedicated to providing financial solutions that empower our members. For more information about our loan offerings or to speak with a representative, please contact us at 5099286180 or visit us at 201 N Mullan Rd Spokane Valley WA 99206. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. We're here to help you secure the financing you need!

Unsecured Credit Cards

We also offer flexible terms on unsecured credit card loans, with a total of $20804555 in loans helping members manage their finances effectively. These cards come with various rewards and benefits that can enhance your everyday spending.

Loan Aggregator

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HORIZON CREDIT UNION