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We are a not-for-profit financial institution located in the Northwest. As a member-owned credit union, every decision we make is tied to the benefit it brings our members. We know that each financial journey is unique, and we are prepared to maintain our promise to guide members in the direction of their dreams.

Certificates - Let Your Savings Soar

Elevate Your Savings with Certificate Laddering

Laddering can help you make the most of the money you would like to put into certificates without tying it all up in one long term certificate account. It just takes a little planning!

What’s a certificate ladder?

Laddering is a simple concept: First, split up the amount of money you would like to put into certificates for saving. Put the separate amounts into certificates with different maturity terms. As each certificate matures, turn it over into a longer maturity certificate. In time, all your certificates will be earning a higher yield. Since you have a certificate maturing regularly, you can always cash it in if you need to access your money.

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Our third party card processing network is currently experiencing issues with debit and credit card transactions. You may temporarily experience declined purchases when using your Horizon debit or credit card while these issues persist. We apologize for any convenience this may cause.

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