Money Markets, Certificates & IRAs :: Accounts

MoneyMarkets&Certificates

You work hard for your money; make your money work hard for you. A Horizon Money Market or Share Certificate is an ideal way to earn a higher return on your money. View your options below.

Apply For A Horizon Checking Account

Account Features	Horizon Focus	Horizon Vision	Share Certificates
Minimum Opening Balance	$5.00	$25,000.00	Varies - Please see the rates page for current options and details.
Minimum Balance Required to Earn Dividends	$2500.00	$25,000.00	Varies - Please see the rates page for current options and details.
Fees	None	$15 if balance falls below $25,000.00	Early withdrawal penalty
Age Requirements	None	None	None*
Bonus Rate Offered	No	No	No
Transaction Limitations	$100 or more per transaction	None	No deposits allowed once CD is opened*

*Horizon's Student Certificate-Designed for members 25 years of age or younger, the Student Certificate lasts for 12 months and has a $250 minimum balance opening requirement. Monthly deposits of $50 or more can be made throughout the one year term. However, once the certificate is open, no withdrawals from the principal balance may be made during the one year term without penalty, unless there is a qualifying reason. Please see the rates page for more details on dividends.

IRAOptions

Prepare for your future and start your retirement plan now. Horizon offers a number of IRAs to help you reach your retirement goals.

Apply For A Horizon Savings Account

Account Features	IRA Shares	IRA Certificates
Description	Our savings account developed for members who want to make regular deposits to their IRA.	Our savings option for individuals who will not need access to their funds for a set period of time and want to earn higher dividends than regular share accounts.
Minimum Opening Balance	$5.00	$500
Minimum Balance Required to Earn Dividends	None	$500
Fees	None	Early withdrawal penalty
Age Requirement	Must be 59 1/2 to withdrawal without penalty	Must be 59 1/2 to withdrawal without penalty
Transaction Limitations	None	No deposits allowed once CD is opened

Types of IRAs

Traditional IRA
Offers both tax-deferred earnings and growth investments for retirement. Contributions may be tax deductable, and withdrawals are taxed.
Roth IRA
A Roth IRA is contributed to after earnings are taxed and is also a growth investment for retirement. While contributions are not tax deductible, withdrawals may be tax free.
SEP (Simplified Employee Pension) IRA
A SEP IRA is primarily for small businesses and self-employed individuals. It enables employers to make contributions for their eligible employees and allows self-employed people to make contributions to an IRA.
Coverdell Education Savings Account (ESA)
An ESA account is a growth investment for qualified higher education expenses. Ideal for any parents or guardians wishing to start saving for their children's education. Earnings are tax-deferred and withdrawals may be tax-free.

Home Banking Enrollment

Enrolling in Home Banking is easy - here's how:

In the Username box, enter your user name.
If you don't remember your password, you can call our contact center at 800-852-5316 and they will provide you with a new one.

If you have any questions or problems logging in, please call 800.852.5316.

More Info