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

Introduction

Welcome to Horizon at our Washington Branch, located conveniently at 605 S Washington St, Spokane, WA 99204. Since opening our doors in 1948, we have proudly served our community with a commitment to excellence and member-focused financial solutions. With over 110,742 members, Horizon has become a trusted partner in achieving financial goals. Our branch is not just a place for transactions; it's a hub of support for your financial journey. We boast total assets of $2,009,801,601 and total deposits amounting to $130,291,564, reflecting the trust placed in us by our members. With a net worth of $238,521,873 and cash on hand of $20,395,842, we ensure that your funds are secure and accessible when you need them. Led by our dedicated CEO, Jeffry Adams, and Board President Steve Sharon, our team works tirelessly to provide services tailored to your needs. Whether you're looking for personal banking options like checking accounts or loans for your dream car, we've got you covered. In fact, we currently manage over 64,288 loans and leases, making it easier for you to invest in what matters most. While members can visit us at our branch location, official correspondence should be sent to PO Box 15128, Spokane Valley, WA 99215. You can reach us at (509) 455-4067 during our lobby hours from Monday to Friday, 9:00 AM - 5:00 PM. For added convenience, our drive-up services are available from 7:00 AM - 7:00 PM. At Horizon Credit Union, we are more than just numbers; we are a community devoted to empowering each member through personalized service and innovative financial products. Explore the possibilities with us today! Visit our website at Horizon Credit Union or call us now to learn how we can assist you on your financial path.

Branch History & Mission

Community Focus

Horizon is deeply rooted in Spokane and actively participates in various community outreach initiatives. We partner with local organizations to support programs that uplift those in need. Our belief in giving back shapes who we are as a credit union. By joining us, you become part of a movement that prioritizes community well-being alongside personal financial success. While members can visit us at our main branch address, official correspondence should be sent to PO Box 15128, Spokane Valley, WA 99215 if necessary. As we look toward the future, we remain committed to embracing digital advancements while ensuring compliance with ADA standards. This allows us to serve all members effectively while enhancing their banking experience through online and mobile platforms. Join us at Horizon today! Experience firsthand how being part of our credit union can make a difference in your life and contribute positively to our community. Visit us or call us at 509-455-4067; together, let's build a brighter financial future!

Our Mission

At Horizon, our mission is simple yet powerful: to empower every member with the tools and resources they need to achieve their financial goals. We believe in fostering strong relationships within the community by providing not only traditional banking services like checking accounts and loans but also educational resources that promote financial literacy. Whether you are looking for auto financing, mortgage solutions, or business banking services, we are here to help you navigate your options. Our operating hours reflect our commitment to accessibility; we invite you to visit us Monday through Friday from 9:00 AM to 5:00 PM for lobby services or take advantage of our drive-up hours from 7:00 AM to 7:00 PM. With ATM availability and drive-thru banking options, we ensure convenience for all your banking needs.

Branch Location & Accessibility

Contact Us

Have questions? Feel free to call us at 509-455-4067 or visit our website at Horizon Credit Union. We invite you to come by our branch soon our friendly staff looks forward to assisting you!

Operating Hours and Services

Our lobby is open Monday through Friday from 9:00 AM to 5:00 PM, making it simple to fit us into your schedule. If you're on the go, take advantage of our drive-thru services available from 7:00 AM to 7:00 PM on weekdays. You can also access an ATM at our location for quick cash withdrawals and balance checks whenever you need them. At Horizon, we offer a range of services tailored to meet your financial needs. From checking and savings accounts to auto loans and mortgage refinancing, we're here to help you manage your money effectively. Plus, our online and mobile banking options allow you to bank anytime, anywhere.

Parking and Accessibility

We know that accessibility matters. Our branch offers ample parking and features that comply with ADA standards, including ramps for easy entry. Whether you're visiting for personal banking or business needs, we strive to make your experience smooth and enjoyable.

Member Eligibility

At Horizon, we believe that everyone deserves a chance to join our welcoming community. Becoming a member is straightforward and open to those who live, work, or worship in the Spokane area. If you're looking for a supportive financial partner that prioritizes your needs, you're in the right place! Our members enjoy a range of benefits, including competitive rates on loans and savings accounts, personalized service, and access to various financial products tailored just for you. To learn more about the specific eligibility criteria, feel free to visit our website at . Once you're ready to become a part of our family, opening an account is as easy as a quick visit to our branch located at 605 S Washington St Spokane Wa 99204 or giving us a call at (509) 455-4067. We're excited to help you start your journey with us!

Business Banking & Commercial Services

Merchant Services That Make Sense

In today's fast-paced market, effective payment solutions are vital for success. Our merchant services simplify transactions so you can focus on what you do best running your business. Imagine being able to accept payments seamlessly from customers using various methods, whether it's credit cards or mobile payments. This flexibility not only enhances customer satisfaction but also boosts your sales potential. Located at 605 S Washington St Spokane Wa 99204 in Spokane, we invite you to explore how our business banking services can help you thrive. Reach out to us at (509) 455-4067 to learn more about how we can partner with you on your path to success!

Tailored 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 funding has empowered local entrepreneurs to expand their operations, invest in new equipment, or hire additional staff. - With an outstanding commercial loan portfolio of $30,863,090, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about buying a new car? At Horizon, we provide competitive auto loans and vehicle financing options that make it easy for you to drive away in the car of your dreams. With flexible terms and rates, we help ensure that financing fits comfortably into your budget.

Business Banking

We also cater to local businesses with our business banking services. From merchant services that make transactions smooth to business loans designed for growth and expansion, Horizon supports entrepreneurs in navigating their financial journeys.

Convenient Access

At Horizon, we prioritize convenience in banking. Our ATM services allow you to withdraw cash or check balances without stepping inside the branch. For those quick transactions like deposits or simple withdrawals, utilize our drive-thru banking service during operating hours: Monday through Friday from 9:00 AM to 5:00 PM for lobby access and 7:00 AM to 7:00 PM for drive-thru service. In this busy world, having a reliable financial partner makes all the difference. Explore all these great services today at Horizon and take control of your financial future! Visit us online at hzcu.org or give us a call at 509-455-4067 for more information. We look forward to serving you!

Credit Cards with Rewards

For those who love earning rewards while spending, our credit cards come packed with benefits that make every purchase more rewarding. Enjoy cashback offers and points that can be redeemed for travel, merchandise, or even statement credits.

Mortgage Loans & Refinancing

Homeownership is a significant milestone, and we're here to help with our mortgage loans and refinancing services. Whether you're buying your first home or looking to refinance an existing mortgage for better rates, our team is ready to guide you through the process every step of the way.

Personal Banking

Whether you're looking to manage your everyday expenses or save for future dreams, our personal banking options have you covered. We offer checking and savings accounts that fit different lifestyles and needs. Our accounts come with online and mobile banking features, so you can easily check balances, pay bills, and transfer funds right from your smartphone. This convenience means you can focus on what matters most while staying on top of your finances.

Personal Loans & Debt Consolidation

Sometimes life throws unexpected expenses your way. Our personal loans offer a solution to tackle those financial surprises head-on. Additionally, if you're feeling overwhelmed by multiple debts, consider our debt consolidation options which can simplify payments and potentially lower interest rates.

Digital & Online Banking

Key Services

With just a few clicks at https://www.hzcu.org/ , you can access 24/7 online banking services. This means you can check your balances, make transfers, and pay bills whenever it suits you. Plus, with electronic signature authorization available, signing important documents has never been easier or more secure. If you're someone who prefers to keep track of your statements digitally, you'll be pleased to know that we offer e-statements as well. This feature not only helps you stay organized but also reduces paper clutter in your life.

Mobile Banking Features

For those who prefer to manage their accounts on the move, our mobile application is designed with you in mind. Available for download now, it allows you to make mobile payments effortlessly. Whether it's splitting a bill with friends or paying for coffee on the go, we've made it simple and safe. Additionally, while person-to-person transfers aren't currently offered, we're constantly looking at ways to enhance our services.

Security and Ease of Use

Your security is our top priority. Our online banking features come equipped with robust safety measures to ensure that your information remains protected at all times. We strive to provide a user-friendly experience so that managing your finances is straightforward and stress-free. In conclusion, at Horizon, our digital and online banking services empower you with control over your financial life anytime and anywhere. Explore these features today by visiting https://www.hzcu.org/ !

Financial Strength

Growing Member Trust

We have built a strong community with 147,794 total share accounts, showcasing a growing member base that trusts us with their finances. Net Shares available for lending and investments stand at $3,675,420, further enhancing our capability to support you. 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 605 S Washington St Spokane Wa 99204 or call (509) 455-4067 to learn more about how we can help you achieve your financial goals.

Member-Focused 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 efficient operations are reflected in our $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 ready to assist you with knowledgeable service.

Reinvesting 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. Our lending capacity is robust with $21,146 in used auto loans and $1,687,188,742 in total loans and leases, supporting your financial goals across various sectors.

Solid 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. Whether you're purchasing a brand-new model or a reliable used vehicle, our financing options are designed to suit your budget and preferences.

Business Financing

For business owners, our outstanding commercial loans totaling $30,863,090 provide the capital needed to grow and expand. We understand that every business is unique and strive to provide tailored solutions that meet your specific needs.

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 provide personalized assistance throughout the process so you can find the right loan for your unique situation.

Other Loan Products

In addition to these offerings, we also have competitive credit lines available with a total value of $999,816,110. These options give you the flexibility to borrow as needed while only paying interest on what you use. If you're considering refinancing or need eligibility options for any of our loan products, don't hesitate to reach out. Our team is here to assist you in navigating your options and finding the best fit for your financial journey. For more information about our loan offerings or to speak with one of our representatives directly, please call us at 509-455-4067 or visit us at our branch located at 605 S Washington St Spokane WA 99204. 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 toward achieving your financial dreams!

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. Our credit cards come with various benefits that can fit your lifestyle while ensuring you have access to funds when needed.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. With a focus on transparency and reliability, LendMesh is designed to help users navigate the lending landscape with confidence. 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 ensures that every offer presented is fair and transparent. By leveraging verified data, LendMesh guarantees that users are comparing legitimate loan options from trusted financial institutions. One significant advantage of using LendMesh is its commitment to unbiased results. There are no sponsored listings or prioritized lenders based on paid promotions. Instead, users receive a clear view of their options without any hidden agendas. Real-time rate comparisons allow users to access up-to-date loan rates from multiple institutions, empowering them to make informed decisions tailored to their financial needs. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimonial reflects the effectiveness of the platform in helping individuals secure favorable loan terms. Compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

HORIZON CREDIT UNION