Horizon Credit Union Spokane Valley WA | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Horizon at our Mirabeau Branch, conveniently located at 13224 E Mansfield Ave, Spokane Valley, WA 99216. Since our establishment in 1948, we have proudly served our community with a commitment to providing exceptional financial services and building lasting relationships with our members. With over 110,000 members and total assets of approximately $2 billion, Horizon is here to help you achieve your financial goals. At Horizon, we understand that every member's journey is unique. That's why we offer a range of services tailored to fit your needs, from personal banking accounts and auto loans to mortgage solutions and business financing. Our team of dedicated professionals, led by CEO Jeffry Adams and Board President Steve Sharon, works tirelessly to ensure that you receive the best possible support on your financial journey. While members can visit us at our branch location, official correspondence should be sent to PO Box 15128, Spokane Valley, WA 99215-5128. We invite you to experience the difference that comes with being part of a credit union that truly cares about its community. With total deposits exceeding $130 million and a net worth of around $238 million, we are financially strong and ready to assist you in achieving your dreams. Whether you're looking for assistance with loans over 64,000 issued or simply need advice on saving for the future, our experienced staff is here to help. If you're looking for a place where you can trust your finances are in good hands, look no further than Horizon at the Mirabeau Branch. Give us a call today at 509-928-6766 or visit our website at hzcu.org to learn more about how we can serve you better. Join us and discover why so many people choose Horizon as their preferred financial partner!

Branch History & Mission

At Horizon, we are proud of our rich history and the meaningful impact we have made in the Spokane Valley community since our inception in 1948. Originally founded to provide accessible financial services to local residents, our branch has grown significantly over the years. Today, with a total membership of over 110,000, we stand as a testament to the dedication of our team and the loyalty of our members. Nestled at 13224 E Mansfield Ave, Spokane Valley, WA 99216, our branch is easily accessible for all your banking needs. Just a short distance from local landmarks and surrounded by a vibrant community, we invite you to visit us during our operating hours: Monday through Friday from 9 AM to 5 PM. Our drive-thru service allows for quick transactions without leaving your vehicle, ensuring convenience for everyone. Horizon's mission is simple yet powerful: we aim to empower our members by providing personalized financial solutions while fostering a sense of community. We believe that banking should not only be about numbers but also about building relationships and supporting one another. Whether it's offering competitive rates on auto loans and mortgages or providing essential online banking services, our focus remains on enhancing your financial well-being. While you can visit us at the address mentioned above, if you need to send official correspondence, please use our mailing address: PO Box 15128, Spokane Valley, WA 99215-5128. This ensures that your communication reaches us promptly. As we continue to grow and innovate, we remain committed to serving our members with integrity and transparency. We are equipped with modern technologies such as mobile payments and online banking to make managing your finances easier than ever. Additionally, we prioritize accessibility and adhere to ADA compliance standards so everyone can enjoy our services without barriers. Horizon thrives on community engagement. Through various partnerships and outreach programs, we strive to give back by supporting local initiatives that align with our values. Our goal is not just to be a financial institution but also a responsible member of the Spokane Valley community. Join us at Horizon Credit Union today! Experience firsthand how we can help you achieve your financial goals while being part of a community-focused organization dedicated to making a difference. Together, let's build a brighter future! For more information or assistance, feel free to call us at 509-928-6766 or visit our website at hzcu.org.

Branch Location & Accessibility

Convenient Access and Nearby Landmarks

Located near popular local landmarks, our branch is just a short drive from major routes and public transit options. Whether you're coming from home or work, you'll find us easy to reach. Ample parking is available on-site, and we are committed to ensuring accessibility for everyone, including those who may need ADA-compliant features.

Operating Hours Designed for You

At Horizon's Mirabeau Branch, we understand that convenience is key. Our lobby hours are Monday through Friday from 9 AM to 5 PM, with drive-thru services also available during these hours. This means you can choose how you want to bank with us whether it's a quick visit inside or a simple drive-up transaction.

Services Tailored to Meet Your Needs

Our branch offers a variety of services designed to make your banking experience smooth and enjoyable. From personal banking solutions like checking and savings accounts to auto loans and mortgage refinancing options, we have everything you need under one roof. You can also enjoy the benefits of online and mobile banking right from your smartphone. For those in need of cash or quick transactions, we proudly provide an ATM on-site along with basic drive-thru banking services for deposits and withdrawals.

We’re Here for You!

Our team is ready to help you with any questions or services you might need. Don't hesitate to give us a call at 509-928-6766 if you have inquiries before visiting. We look forward to welcoming you at Horizon's Mirabeau Branch your trusted partner in financial success!

Member Eligibility

Becoming a member of Horizon is like joining a close-knit family that values your financial well-being. If you live, work, or attend school in the Spokane Valley area, you're already on your way to enjoying the benefits of membership. We welcome individuals from all walks of life and strive to make banking accessible for everyone. Whether you're looking for personalized service or competitive rates on loans and savings accounts, our community-focused approach means you'll find support every step of the way. To get started, simply visit us at our location at 13224 E Mansfield Ave Spokane Valley Wa 99216, give us a call at (509) 928-6766, or check out more details about eligibility at . Opening an account is easy and straightforward, ensuring that you can start enjoying all that Horizon has to offer without any hassle. Join us today and experience the difference that comes with being part of a caring financial community!

Business Banking & Commercial Services

Practical Merchant Services

In addition to loans, we offer merchant services that simplify daily operations. From accepting payments easily to managing transactions efficiently, these services help streamline your business processes. Picture this: you're able to focus on serving customers while our tools handle payment processing seamlessly. Located at 13224 E Mansfield Ave, Spokane Valley, WA 99216, our branch is ready to partner with you on your business endeavors. For more information, give us a call at 509-928-6766. Let's grow together!

Tailored Loan Solutions

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. - With an outstanding commercial loan portfolio of $30,863,090, we continue to drive economic growth by financing new and expanding businesses. Imagine having the financial backing to purchase new equipment or expand your storefront our member-focused loans can make that happen.

Comprehensive List Of Services

Business Banking Services

For small business owners, we provide specialized Business Banking services, including merchant services and business loans. We recognize the hard work it takes to run a business, and we aim to support your financial needs every step of the way.

Call Us Today!

We invite you to explore all that Horizon has to offer. Whether you're visiting us at our Spokane Valley location or accessing your account online, we're here for you every step of the way. For any questions or further information about our services, don't hesitate to reach out at 509-928-6766. Experience the difference of personalized service today!

Credit Options and Support

Life can sometimes throw unexpected expenses your way, which is why we offer Personal Loans & Debt Consolidation options. These loans can help you manage debt more effectively or fund personal projects without added stress. Our Credit Cards with Rewards are another fantastic way to earn benefits while making everyday purchases. Imagine earning points for travel or cash back just by using your card for things you already buy!

Digital Convenience

In today's fast-paced world, convenience is key. That's why we offer robust Online & Mobile Banking features that allow you to access your accounts anytime, anywhere. From checking balances to transferring funds and paying bills, managing your finances has never been easier. Additionally, our branch provides ATM & Cash Withdrawal Services, along with basic drive-thru banking for quick transactions like deposits and withdrawals. You can also take advantage of our ATM access for balance checks without stepping inside the branch.

Personal Banking Solutions

Whether you're opening your first checking account or saving for a big purchase, our Personal Banking services are here to help. We offer both checking and savings accounts that suit various lifestyles and financial goals. Imagine having a place where you can easily manage your day-to-day spending while also saving for future dreams. If you're considering purchasing a new car or need assistance with vehicle financing, our Auto Loans & Vehicle Financing options are tailored just for you. We understand how important reliable transportation is, and we strive to provide competitive rates that fit your budget. For those looking to buy a home or refinance an existing mortgage, our Mortgage Loans & Refinancing services are designed to guide you through the process smoothly. We know that home ownership is a significant milestone in life, and we're here to ensure it's an achievable one.

Digital & Online Banking

Convenience and Security

We prioritize your security, giving you peace of mind as you manage your finances online. Our system is designed with robust security measures to protect your information. With features like real-time notifications and easy-to-use interfaces, staying on top of your financial situation has never been more accessible. While person-to-person transfers are not currently offered, our suite of digital services ensures that all other aspects of banking are covered efficiently. If you're ready to experience a new level of convenience in banking, visit us at https://www.hzcu.org/ today! At Horizon, we're committed to making your banking experience as smooth and enjoyable as possible. Join us in embracing the future of finance!

Key Features of Our Online Banking

With our online banking platform available at https://www.hzcu.org/ , you can access your accounts 24/7. This means you can check balances, pay bills, and transfer funds whenever it suits you. Plus, if you prefer to go paperless, we provide e-statements for easy tracking of your transactions while helping the environment. Our mobile application makes banking on the go a breeze. You can make mobile payments with just a few taps on your smartphone, ensuring you can complete transactions quickly and securely. And if you ever need to sign documents, our electronic signature authorization makes it simple and hassle-free no more printing or mailing paperwork.

Financial Strength

A Growing Community

Total Share and Deposit Accounts stand at 147,794, showing a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments amount to $3,675,420, further reinforcing our capability to support your financial journey. 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 13224 E Mansfield Ave Spokane Valley Wa 99216 or call (509) 928-6766 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Options

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 $0 reflects our operational efficiency, 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, committed team.

Reinvestment for Better Services

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. Additionally, with $21,146 in used auto loans and $1,687,188,742 in total loans and leases, our lending capacity supports members' financial goals across various sectors.

Strong Financial Health

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 $1,185 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $394,058,660 in used vehicle loans and $99,471,139 in new vehicle loans already helping members get on the road. We also provide options for refinancing if you're looking to lower your monthly payments or reduce your interest rate.

Business Loans

For business owners, our outstanding commercial loans totaling $30,863,090 provide the capital needed to grow and expand. We know how important it is for businesses to have access to funds when they need them most. At Horizon located at 13224 E Mansfield Ave Spokane Valley WA 99216, we prioritize transparency and support as you navigate your borrowing journey. Feel free to reach out at 509-928-6766 if you have questions about our loan products or need assistance with the application process. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Let us help you take the next step towards achieving your financial dreams!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $83,113,536, make buying or refinancing simple. We guide you through the process and ensure you understand all your eligibility options.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $20,804,555 in loans helping members manage their finances effectively. This is perfect for those who want to keep their spending under control while enjoying benefits like rewards and cash back.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring Accurate Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This means every loan offer you see is fair and transparent, ensuring that you are not misled by outdated or biased information.

HORIZON CREDIT UNION