HomeStart Savings

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Homeownership is possible 

For many, owning a home is a lifelong dream. HomeStart Savings helps you get your foot in the door faster. It’s not just a savings account – this unique bundle covers your everyday banking needs and reduces costs when you reach your goal.

Two great offers rolled into one!

Earn Up To

3.03% APY¹

On balances up to $50,000

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And qualify for a

$2,000

lender credit for first-time homebuyers2 

Apply Now
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Bundled with free checking

The HomeStart Savings account is bundled with your choice of Summit or Replenish Checking. Both have zero monthly service charge and come with all the benefits of a standard Horizon checking account.  

(Pro tip: Summit Checking may help you earn even more dividends!) 

Plus, there are no withdrawal penalties, meaning you can use your money when you want, how you want.  

Digital banking perks

Every Horizon account comes with free digital banking tools to help you make the most of your money.  

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Free mobile app 

All the advantages of digital banking, right in the palm of your hand! Download from your preferred app store today. 

Money Tracker

Automatically categorizes your transactions so you can view them all in one place and make better decisions with your money. 

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Digital wallet

A secure, convenient way to pay. Add your Horizon card to your digital wallet to pay in-store, online or in apps.

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Mobile check deposit

Save a trip to the branch – though we’d love to see you – and deposit checks from the comfort of your own home. 

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Card controls

Complete control over how your card is used. Turn card on or off, set spending alerts and more with just a few clicks. 

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Automated bill pay 

Use recurring payments or auto pay to make your bill payments on time, every time – stress free! 

OAC. Limited time offer. Membership fee and restrictions may apply. Limited to one Horizon Credit Union promotion per home loan. Must open both a HomeStart savings and Summit or Replenish checking account. Current or previous homeowners ineligible. Rates and offer details subject to change without notice. ¹APY = Annual Percentage Yield. To qualify for bonus dividends, you must (1) bundle with a Horizon checking account (excluding – Tether and Explorer Checking) (2) log on to online banking at least one time each calendar month, (3) receive at least one direct deposit that successfully posts to an account in the membership each calendar month, (4) conduct a minimum of 15 debit card transactions via the checking account in each calendar month, and (5) be enrolled in electronic statements. Listed promotional APY paid on balances up to $50,000; 0.05% APY paid on balances above $50,000. ²To qualify for listed lender credit: (1) HomeStart account must be open and in good standing for at least 12 months (2) member must qualify for and close mortgage with Horizon by Dec 31, 2030, (3) member must complete a homebuyer education program.

The rates and terms shown are effective as of September 22, 2025.  View the Common Fees disclosure here.
Rates subject to change. For the most current rates available contact us at 800.852.5316.