Whether you're a savvy saver or taking your first steps to strengthen your savings, our Step Up Certificate provides a unique savings incentive. The longer you save, the higher return you earn. Start by earning 2.02% APY on your deposit, then each year on your account opening anniversary enjoy an increase in APY over a 36 month term. It's a simple, low-risk path to savings success! Here's how it breaks down:

  • 36 month certificate term
  • $5,000 minimum opening deposit
  • 2.43% APY blended rate (assumes principal and interest remain on deposit for the term of the share certificate)
  • Dividends compounded and credited monthly
Click to get rate alerts


Rest assured that your savings are safe with us. Your deposits are insured up to at least $250,000 by the NCUA. And because the security of your money matters to us, we also offer additional insurance called Excess Share Insurance (ESI). This means that your federally insured savings are automatically insured up to an additional $250,000 at Horizon.

Take your certificate savings to another level with a strategy called laddering. It just takes a little planning! Click here to learn more.

Certificates are one way to propel you toward your savings goals. Visit the Planning and Saving section of HZCU Financial Training Ground to discover essential tips, tricks and resources to help you find saving success.