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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.

Location & Directions

Address

PO Box 15128

Spokane Valley, WA 99215

Service Area

This credit union is located in Spokane Valley and serves members in the WA area. Currently serving 106,635 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

Q4 2025 · NCUA

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

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). 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 (Q4 2025) and reflect 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 Q4 2025).

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

Branches & Locations(30 total)

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

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

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

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

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

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.

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).