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# Horizon Credit Union

## Sitemaps
- [XML Sitemap](https://www.hzcu.org/sitemap_index.xml): Includes all crawlable and indexable pages.

## Blog
- [Safe Practices for Mobile Banking](https://www.hzcu.org/2024/07/08/safe-practices-for-mobile-banking/): Mobile banking offers a convenient way for people to access their bank accounts and make transactions on the go. Mobile banking is typically safe when used correctly. That's because banks and credit unions use various security measures such as encryption and multi-factor authentication to protect your account information.

## Pages
- [HELOC Payment Calculator](https://www.hzcu.org/calculators/heloc-payment-calculator/): HELOC Payment Calculator Determine what your HELOC monthly payment could be and see how much you might pay in interest.
- [Home Affordability Calculator](https://www.hzcu.org/calculators/home-affordability-calculator/): Home Affordability Calculator How much home can you afford? Use this calculator to determine the home price and monthly housing cost you can afford.
- [Car Lease vs Buy Calculator](https://www.hzcu.org/calculators/car-lease-vs-buy-calculator/): Home »
- [Auto Refinance Calculator](https://www.hzcu.org/calculators/auto-refinance-calculator/): Home »
- [Car Affordability Calculator](https://www.hzcu.org/calculators/car-affordability-calculator/): Home »
- [Debt Consolidation Calculator](https://www.hzcu.org/calculators/debt-consolidation-calculator/): Debt Consolidation Calculator Our debt consolidation calculator helps you determine if you should consolidate your debts into a single monthly payment. Consider including all of your debts such as credit cards, auto loans, medical debt, and personal loans.
- [How Long Will it Take to Pay Off My Loan](https://www.hzcu.org/calculators/how-long-will-it-take-to-payoff-my-loan/): How Long Will it Take to Pay Off My Loan? Use the loan comparison calculator to compare the monthly and total cost of either loan option.
- [Loan Comparison Calculator](https://www.hzcu.org/calculators/loan-comparison-calculator/): Loan Comparison Calculator Use the loan comparison calculator to compare the monthly and total cost of either loan option.
- [Credit Card Pay-off Calculator](https://www.hzcu.org/calculators/credit-card-pay-off-calculator/): Credit Card Pay-off Calculator How much should you pay each month to eliminate my credit card debt? This calculator will help you determine what you should pay every month to fully pay off your credit card balance within your desired timeline.
- [Credit Card Balance Transfer Calculator](https://www.hzcu.org/calculators/credit-card-balance-transfer-calculator/): Credit Card Balance Transfer Calculator See how much you could save by moving debt from a high-interest credit card to a new card with a zero intro rate.
- [Savings Goal Calculator](https://www.hzcu.org/calculators/savings-goal-calculator/): Savings Goal Calculator This savings goal calculator will help you determine how much you’ll need to save each month in order to realize your next big purchase.
- [Budget Calculator](https://www.hzcu.org/calculators/budget-calculator/): Home »
- [Retirement Income Calculator](https://www.hzcu.org/calculators/retirement-income-calculator/): Retirement Income Calculator How much can you expect in monthly income when you retire? Use this calculator to estimate the income you'll have every month during retirement based on your contributions, rate of return and inflation.
- [Retirement Savings Calculator](https://www.hzcu.org/calculators/retirement-savings-calculator/): Retirement Savings Calculator Learn how long your retirement savings will last, based on your savings and inflation-adjusted withdrawals.
- [Media Center](https://www.hzcu.org/media-center/): Media Center - Go. Give. Grow. 2026 Need photos from a volunteer location? Browse and download high-resolution images for media coverage, community stories, and press inquiries. Washington
Second HarvestZilch MarketServe SpokaneColville Food BankThe GreenhousePartners INWTeen and Kid ClosetMeals on Wheels SpokaneSoap Lake Food BankCommunity Services of Moses Lake Idaho
Canopy VillageFamily Promise of North IdahoBonner Community Food BankIdaho Food BankRonald McDonald HouseCommunity in ActionBoise Rescue Mission Montana
Family Promise of Gallatin ValleyButte Rescue MissionAngel RoomMissoula Food Bank Oregon
Community Kindness Thrift Store
- [HELOC Calculator](https://www.hzcu.org/calculators/heloc-calculator/): HELOC Calculator Figure out how much you can borrow with a home equity line of credit.
- [Personal Loan Calculator](https://www.hzcu.org/calculators/personal-loan-calculator/): Personal Loan Calculator Use this personal loan calculator to determine out the total amount of your personal loan (principal + interest) and how much you have to contribute monthly to pay it off by the end of the loan term.
- [Mortgage Calculator](https://www.hzcu.org/calculators/mortgage-calculator/): Mortgage Calculator How much will your monthly mortgage payment be? Use this calculator to figure out your monthly payment, including your mortgage's principal and interest payments as well as insurance and taxes.
- [Home Refinance Calculator](https://www.hzcu.org/calculators/home-refinance-calculator/): Home Refinance Calculator How much could you save by refinancing your mortgage? Use this calculator to figure out how much you could reduce your monthly and total loan payments if you refinance your mortgage.
- [Certificate (CD) Calculator](https://www.hzcu.org/calculators/certificate-cd-calculator/): Certificate (CD) Calculator How will the value of your account change over time? Use this calculator to estimate what it could be worth.
- [Auto Loan Calculator](https://www.hzcu.org/calculators/auto-loan-calculator/): Home »
- [Calculators](https://www.hzcu.org/calculators/): Considering a loan, savings goal or major purchase? Use these free calculators to estimate payments, compare options and make an informed financial decision.
- [80 20 No Down Payment Loan](https://www.hzcu.org/80-20-no-down-payment-loan/): Home »
- [Annual Report 2025](https://www.hzcu.org/annual-report-2025/): Learn more about the path we took in 2025 and what’s on the Horizon for 2026. The statements, figures and information provided here are current as of January 1, 2026 and reflect the fiscal year of 2025.
- [What’s Next?](https://www.hzcu.org/next/): Our free digital banking tools make budgeting easier than ever. With automatic transaction tracking, synced accounts, categorizing and more, you’ll have the clarity you need to plan for what’s next—and get ahead.
- [House It Going?](https://www.hzcu.org/lowrates/): In-house underwriting and specialized loan options to meet your needs 
- [Financial relief options](https://www.hzcu.org/financial-relief-options/): We know that times of financial uncertainty can be overwhelming, and we’re here to support you. If the current government shutdown has affected your income and you have an active loan with us, please reach out. You don’t have to navigate this alone. 
- [HomeStart Savings](https://www.hzcu.org/personal-accounts/savings/homestart-savings/): 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.  
- [Business Money Market](https://www.hzcu.org/business-accounts/business-money-market/): Business Money Market
- [Product & Services Applications](https://www.hzcu.org/product-and-services-application/): Your go-to, everyday banking accounts.
- [Annual Report 2024](https://www.hzcu.org/annual-report-2024/): Learn more about the path we took in 2024 and what’s on the Horizon for 2025! The statements, figures and information provided here are current as of January 1, 2025 and reflect the fiscal year of 2024.
- [1500 Home Loan Promo](https://www.hzcu.org/home-loans-03/homepromo-1500/): Your home is where you create lifelong memories. Whether you're buying or refinancing, we have plenty of home loan options to meet your needs.
- [Refinance Campaign](https://www.hzcu.org/home-loans-03/refinance/): Interest rates are dropping, making it a great time to consider refinancing your home. Lower rates can lead to reduced monthly payments, giving you more financial flexibility and providing welcome relief from high costs and inflation.  
- [Loan Skip](https://www.hzcu.org/skip-a-pay/): Skip-a-Pay gives you some breathing room so you can enjoy the season without worrying about your upcoming loan payment. It’s a great perk, just for Horizon Credit Union members.
- [Go Give Grow](https://www.hzcu.org/go-give-grow/): On Go. Give. Grow. day, Horizon closes early and sends all employees to volunteer at local charities. It’s a special way to get everyone involved and put our CORE values—Capability, Optimism, Responsibility and Empathy—into action.
- [Online Banking Registration](https://www.hzcu.org/online-banking-registration/): Learn how to register for online banking with your new Horizon account.
- [Pet Pawsee](https://www.hzcu.org/pet-pawsee/): Submit a photo of your pet in the Horizon crown to win a pawesome prize and a donation to your favorite animal shelter. All fuzzy and non-fuzzy friends welcome. Does your pet have what it takes to rule the feed?
- [Horizon Home Loan Team](https://www.hzcu.org/home-loans/home-loan-team/): Your home is where you create lifelong memories. Whether you're buying or refinancing, we have plenty of home loan options to meet your needs.
- [Home Loan](https://www.hzcu.org/home-loans/): Your home is where you create lifelong memories. Whether you're buying or refinancing, we have plenty of home loan options to meet your needs.
- [Horizon Checking Offer](https://www.hzcu.org/personal-accounts/checking/checking-offer/): All our checking accounts have no monthly service charge and low minimum deposits. Here are your options:
- [Limited Time CD Special](https://www.hzcu.org/personal-accounts/certificates/cdspecials/): A certificate of deposit is a dependable, low-risk way to grow your savings. With this special rate, you’ll earn more while keeping your money safe and secure. This great rate is only available for a limited time, so open a CD today while it’s still in season.
- [Media Releases](https://www.hzcu.org/about-us/media-releases/): Home »
- [Privacy Policy](https://www.hzcu.org/privacy-policy/): This Online Banking Agreement and Disclosure ("Agreement") describes your rights and obligations as a user of the Online Banking service or the Bill Payment service ("Services"). It also describes the rights and obligations of Horizon Credit Union ("Credit Union").  Please read this Agreement carefully. By requesting and using one of these Services, you agree to comply with the terms and conditions of this Agreement.
- [Deals](https://www.hzcu.org/deals/): Our members are awesome. That's why we've worked with partners in our community to create special deals just for you! Learn about the deals available in all areas we serve or check out our current available deals in your area.
- [Money Tracker](https://www.hzcu.org/services/mobile-and-online-banking/money-tracker/): Trying to bulk up your savings? Or maybe you need to cut down on spending. Money Tracker is a suite of online tools that help you chart your progress and reach your money goals.
- [Youth](https://www.hzcu.org/youth/): From lemonade stands in the summertime to after-school gigs to save for college, your children can flourish financially at any time, at any age with their very own youth account. In addition to certificates, savings and checking accounts we provide them with the tools they need to succeed.
- [Sneak Peek](https://www.hzcu.org/sneak-peek/): We know that convenience is the name of the game. Who has time to wait for pages to load or getting lost searching for what you need? That's why hzcu.org is getting a new look December 7! Wherever you're at on your financial journey, you'll find the tools you need to help you reach your dreams. From first time savers to making the most of your money in retirement and everything in between, we have tools, information and products to help you succeed. Check out what's new and improved below!
- [Sitemap](https://www.hzcu.org/sitemap/): Sitemap Back Pages 80 20 No Down Payment Loan
About Us Careers Credit Union Difference In the Community Media Releases News Scholarships Testimonials Annual Report 2025
Branches & ATMs
Branches & ATMs – Print
Business Accounts Business Loans Business Money Market Calculators Auto Loan Calculator Auto Refinance Calculator Budget Calculator Car Affordability Calculator Car Lease vs Buy Calculator Certificate (CD) Calculator Credit Card Balance Transfer Calculator Credit Card Pay-off Calculator Debt Consolidation Calculator HELOC Calculator HELOC Payment Calculator Home Affordability Calculator Home Refinance Calculator How Long Will it Take to Pay Off My Loan Loan Comparison Calculator Mortgage Calculator Personal Loan Calculator Retirement Income Calculator Retirement Savings Calculator Savings Goal Calculator Contact Us
Deals
Disclosures
Discover
Document & Forms
Financial relief options
Go Give Grow
Holiday Closures
Home Loan Horizon Home Loan Team Homepage
Horizon @ Work Horizon @ Work For Employees Horizon @ Work For Employers House It Going?
ITMs
Loan Skip
Loans & Credit Cards Auto Loans Benefits Credit Cards Double Points Guard Your Card Platinum Points Home Equity Elevate Momentum Insurance Personal Loans Recreational Vehicles Powersports RV and Boat Loans Math Madness
Media Center
Membership How to Join Offers
Online Banking Registration
Personal Accounts Certificates Checking Horizon Checking Offer Overdraft Transfer Program Summit Tether IRAs Money Market Savings HomeStart Savings Pet Pawsee
Privacy Policy
Rates
Resource Center FAQs Indirect Dealers Indirect Members On-boarding Training Ground Financial Wellness Teaching Tools Services Cybersecurity Debit Cards Choose Your Card Digital Wallet Mobile and Online Banking Maintenance Schedule Money Tracker Move Money Payment Options Secure Mail Security Teller Express Sitemap
Sneak Peek
Types of Scams 
What’s Next?
Youth
1500 Home Loan Promo
Andrea Cordle
Dale Carvey
Michaela Kendrick
Refinance Campaign
Tiffany Jackson
- [Types of Scams ](https://www.hzcu.org/security/): Your security is important to us. We will never call, email or text you asking for your account number, PIN, verification codes or other sensitive information. If someone contacts you asking for this type of information, they may be a scammer.
- [Disclosures](https://www.hzcu.org/disclosures/): Disclosures General Disclosures Annual Report Children's Online Privacy Protection Act (COPPA) Consent to Receive Electronic Communications Cookie and Tracking Policy Mobile App Privacy Online Banking & Mobile App Privacy Privacy Policy and Confidentiality of Member Information Social Media Usage Standards and Expectations Services Online Money Movement Service Agreement Account Disclosures Understanding Your Account Common Fee Schedule Contests and Campaigns Contest Terms and Conditions Regional Survey Disclosure Blessings in Disguise Ticket Giveaway Pet Pawsee Back to School Bucks Deposit Accounts Checking Truth-in-Savings Savings Truth-in-Savings Tether Bundle Truth-in-Savings Money Market Truth-in-Savings Certificate Truth-in-Savings Business Accounts All Visa Credit Cards Credit Card Agreement Credit Credit Pricing Agreement Platinum Cards Extended Warranty Benefit Hotel Theft Benefit Purchase Security Benefit Travel Accident Benefit Travel and Emergency Assistance Benefit
- [Double Points](https://www.hzcu.org/loans-credit-cards/credit-cards/double-points/): Earn 2X the points with your Platinum Points card Nov. 1 – Jan. 31! 
- [Testimonials](https://www.hzcu.org/about-us/testimonials/): Home »
- [Discover](https://www.hzcu.org/discover/): We all have causes that are near and dear to our hearts. At Horizon Credit Union, the causes we care about are helping our members achieve their dreams and giving back to our communities.
- [ITMs](https://www.hzcu.org/itms/): We’re excited to bring you more accessible service with our new ITMs. With these machines, you can choose to connect with a real person face-to-face, or go your own way with a convenient and quick automated transaction.
- [Document & Forms](https://www.hzcu.org/document-forms/): Documents & Forms Documents & Forms Direct Deposit Loan Payment Coupon
- [Holiday Closures](https://www.hzcu.org/holiday-closures/): We’ll be closed for the following holidays as observed by the Federal Reserve System. Even though we may be closed we're always here to help with 24/7 access to your accounts via online banking, mobile app and ATMs.
- [Careers](https://www.hzcu.org/about-us/careers/): Home »
- [In the Community](https://www.hzcu.org/about-us/in-the-community/): Home »
- [Scholarships](https://www.hzcu.org/about-us/scholarships/): We are proud to invest in the future by offering scholarships that support students on their path to academic success. At HZCU, we believe college education is one of the wisest investments you can make and we’re committed to helping you achieve your educational goals. 
- [Credit Union Difference](https://www.hzcu.org/about-us/credit-union-difference/): Home »
- [Indirect Members On-boarding](https://www.hzcu.org/resource-center/indirect-members-on-boarding/): We hope you’re loving your new ride, wheels or boat.   And we sure appreciate that you chose Horizon for your loan!   
- [Teaching Tools](https://www.hzcu.org/resource-center/training-ground/teaching-tools/): Home »
- [Financial Wellness](https://www.hzcu.org/resource-center/training-ground/financial_wellness/): Whether you’re buying a home, building your credit, getting out of debt or setting savings goals for yourself, Horizon Credit Union is here to help you on your path to financial wellness. 
- [Checking](https://www.hzcu.org/personal-accounts/checking/): Every Horizon checking account comes with the tools you need to tackle everyday money management tasks. Choose from four options to find an account that meets your needs.  
- [Membership](https://www.hzcu.org/membership/): As a credit union member, you’re more than a customer. You’re part of a cooperative movement dedicated to saving people money and giving back to our communities. Horizon is a unique, forward-thinking cooperative, dedicated to helping you achieve your dreams.
- [Secure Mail](https://www.hzcu.org/services/secure-mail/): Horizon Credit Union uses a secure messaging system to ensure your personal information is always protected. Messages coming from Horizon that may contain sensitive information are automatically encrypted and routed to our secure messaging platform. 
- [Cybersecurity](https://www.hzcu.org/services/cybersecurity/): You can rely on Horizon Credit Union for both simplicity and safety when you bank online. But the work we do is just one piece in the puzzle when it comes to keeping your sensitive information safe. You play just as important of a role in maintaining security online! We’re here with important cybersecurity tips to help you stay safe online and ensure your systems and account information are up to date.
- [Security](https://www.hzcu.org/services/security/): Your security is important to us. We will never call, email or text you asking for your account number, PIN, verification codes or other sensitive information. If someone contacts you asking for this type of information, they may be a scammer.  
- [Debit Cards](https://www.hzcu.org/services/debit-cards/): There is no limit on the number of rewards you can earn. That means the more that you use your Horizon debit card, the more offers you can receive and the more rewards you can earn! 
- [Digital Wallet](https://www.hzcu.org/services/digital-wallet/): Why open your wallet when your phone is in your hand? Add your Horizon credit and debit cards to your digital wallet on compatible devices to pay in store, online or in apps.
- [Teller Express](https://www.hzcu.org/services/teller-express/): Prefer to do your banking over the phone? With Teller Express you can access your account information wherever you are with the push of a button. Check balances, deposits or withdrawals, transfer money between accounts, make a loan payment and more! 
- [Move Money](https://www.hzcu.org/services/move-money/): With online and mobile banking there are several different options to move money. Whichever path you’re on, we can help you get your money where you need it. 
- [Payment Options](https://www.hzcu.org/services/payment-options/): Our convenient payment options make it easy to pay your loan online. Whether you prefer to make loan payment from a Horizon account, from another financial institution or the old-fashioned way via mail, choose which option works best for you.
- [Maintenance Schedule](https://www.hzcu.org/services/mobile-and-online-banking/maintenance-schedule/): Home »
- [Insurance](https://www.hzcu.org/loans-credit-cards/insurance/): TruStage® is insurance the credit union way. The products and programs are made available through TruStage® Insurance Agency and underwritten by CMFG Life Insurance Company and other leading insurance companies. Today, more than 20 million members rely on TruStage® for products, programs, services, expertise and experience. With a commitment to dependability and a member-first philosophy, we help you protect what matters most. 
- [Platinum Points](https://www.hzcu.org/loans-credit-cards/credit-cards/platinum-points/): As simple as it sounds. Save it or spend it – it’s yours! 
- [Guard Your Card](https://www.hzcu.org/loans-credit-cards/credit-cards/guard-your-card/): Turn your phone or computer into the ultimate fraud prevention device with card controls. You'll get customizable control over when, where and how your card is used—all with just the click of a button. Find card controls in online banking or in our free mobile app.
- [Benefits](https://www.hzcu.org/loans-credit-cards/benefits/): Horizon’s line of Visa® credit cards are durable, customizable and—when paired with online banking—make managing your money simple and easy. You have the option to go Classic or earn points for rewards with our Visa® Platinum Points card! 
- [Choose Your Card](https://www.hzcu.org/services/debit-cards/choose-your-card/): Please note: These options are currently unavailable. Members will be issued a standard Horizon debit card. Thank you for your patience as we work to bring back our fun designs.

## Elements
- [Sequential Banner Functionality](https://www.hzcu.org/?kadence_element=sequential-banner-functionality): const observer = new MutationObserver(() => {
- [Glide Slider CSS](https://www.hzcu.org/?kadence_element=glide-slider-css): @media (max-width: 600px){
- [A11y Fixes JS](https://www.hzcu.org/?kadence_element=a11y-fixes-js): jQuery( document ).ready(function($) {
- [Third Party Scripts – head](https://www.hzcu.org/?kadence_element=third-party-scripts-head): (function(w,d,t,r,u){var f,n,i;w=w||,f=function(){var o={ti:"355000026"};o.q=w,w=new UET(o),w.push("pageLoad")},n=d.createElement(t),n.src=r,n.async=1,n.onload=n.onreadystatechange=function(){var s=this.readyState;s&&s!=="loaded"&&s!=="complete"||(f(),n.onload=n.onreadystatechange=null)},i=d.getElementsByTagName(t),i.parentNode.insertBefore(n,i)})(window,document,"script","//bat.bing.com/bat.js","uetq");
- [Third Party Scripts – body](https://www.hzcu.org/?kadence_element=third-party-scripts)
- [404 Page Not Found](https://www.hzcu.org/?kadence_element=404-page-not-found): We admire your adventurous spirit, but you've reached the end of the trail. Click below to get back to familiar territory!
- [Events Landing – Hero](https://www.hzcu.org/?kadence_element=events-landing-hero): Events Back
- [Single Post – Hero Back Button](https://www.hzcu.org/?kadence_element=single-post-hero-back-button)
- [Loans & Credit Cards – Mega Menu Content](https://www.hzcu.org/?kadence_element=loans-credit-cards-mega-menu-content): Home Loans - Home Loan Types - Meet The Team Home Equity - Momentum - Elevate Auto Loans Recreational Vehicles - RV and Boat Loans - Powersports Personal Loans Insurance Credit Cards - Choose Your Card - Guard Your Card - Benefits - Platinum Points Loan Payment Options Today’s Rates Summit Checking earn up to 3.03% APY View All Rates
- [Personal Mega – Menu Content](https://www.hzcu.org/?kadence_element=personal-mega-menu-content): Checking - Tether Checking - Summit Checking - Debit Cards Savings Money Markets Certificates IRAs Retirement Investments Today’s Rates Summit Checking Earn up to 3.03% APY View All Rates

## FAQs
- [What online loan payment options are available?](https://www.hzcu.org/faq/what-online-loan-payment-options-are-available/): This payment type offers members a flexible way to manage their automatic, monthly payments. Members may choose the payment date and amount.
- [Can you make loan payments through the mobile app?](https://www.hzcu.org/faq/can-you-make-loan-payments-through-the-mobile-app/): You cannot make online loan payments through the HZCU mobile app, but mobile users can still use the program by accessing it through a mobile web browser. Find more information about online payments here.
- [Can payments be made with a debit or credit card?](https://www.hzcu.org/faq/can-payments-be-made-with-a-debit-or-credit-card/): Debit card payments may only be made through the Guest Web option. There is a $7.95 fee when paying with a debit card. Payments can not be made with a credit card.
- [What is the difference between Enrolled Web and Guest Web?](https://www.hzcu.org/faq/what-is-the-difference-between-enrolled-web-and-guest-web/): Note: You can make a loan payment using your mobile device using either Guest Web or Enrolled web through your mobile browser.
- [How to spot suspicious links](https://www.hzcu.org/faq/how-to-spot-suspicious-links/): Suspicious links are often used to steal personal information or install malware on your device. Here are some tips to help you spot them:
- [What is Multi-factor Authentication (MFA)?](https://www.hzcu.org/faq/what-is-multi-factor-authentication-mfa/): Multi-Factor Authentication (MFA) adds an extra layer of security to your accounts by requiring more than just a password to log in. This makes it much harder for hackers to gain access.
- [How are the new cards integrated with online banking?](https://www.hzcu.org/faq/how-are-the-new-cards-integrated-with-online-banking/): There are a few different ways new cards are integrated with online banking.
- [What are card controls?](https://www.hzcu.org/faq/what-are-card-controls/): Card controls are a series of customizable limits, parameters and alerts you can set for your card. With card controls, you can do things like turn off your card if it's lost or set spending limits so you never go over budget. Plus, they're easy to use: you can access card controls right from your computer or mobile device. Find out everything you can do with card controls here.
- [Can I stop by a branch to get a new card?](https://www.hzcu.org/faq/can-i-stop-by-a-branch-to-get-a-new-card/): Instant issue cards are currently unavailable. We are working to bring them back. In the meantime, members will receive new cards in the mail.
- [How do I delete my online / mobile user account?](https://www.hzcu.org/faq/user-account-deletion/): For assistance in deleting your online or mobile user account, contact us through secure email within online banking or by calling 800.852.5316.
- [How do I report a lost or stolen debit or credit card?](https://www.hzcu.org/faq/how-do-i-report-a-lost-or-stolen-debit-or-credit-card/): Just give us a call at 800.852.5316 and follow the prompts in the menu.
- [How does this compare to ApplePay or GooglePay?](https://www.hzcu.org/faq/how-does-this-compare-to-applepay-or-googlepay/): Contactless payments, including Visa® contactless cards, Google Pay and Apple Pay, use the same NFC (Near Field Communication) technology. Samsung Pay, however, works with both NFC technology and MST (Magnetic Secure Transition) technology, which can be used anywhere you can swipe.
- [Can someone “skim” my card information?](https://www.hzcu.org/faq/can-someone-skim-my-card-information/): Visa contactless transactions generate a one-time, transaction-specific code. Due to the nature of the code and additional fraud protection processes built into the Visa® network, it is difficult to use skimmed cardholder information for fraudulent purchases. As a result, fraud from skimming is very unlikely and limited in scope.
- [Is it secure?](https://www.hzcu.org/faq/is-it-secure-2/): Yes! A one-time code is generated every time a contactless card is used, making it extremely effective in reducing counterfeit fraud.
- [Can I opt out of Tap To Pay?](https://www.hzcu.org/faq/can-i-opt-out-of-tap-to-pay/): Tap to Pay is built into the chip itself. However, cardholders are not required to use that function and can use the chip as they normally do.
- [Can I accidentally pay for a transaction?](https://www.hzcu.org/faq/can-i-accidentally-pay-for-a-transaction/): Your contactless card must be within 2 inches of the terminal for the transaction to take place. And you won’t be billed twice, even if you accidentally tap twice.
- [Tips to keep your debit and credit cards safe](https://www.hzcu.org/faq/tips-to-keep-your-debit-and-credit-cards-safe/): Horizon will never contact you to ask for your card number or PIN.
- [What if the charge is ok, but the amount is wrong?](https://www.hzcu.org/faq/what-if-the-charge-is-ok-but-the-amount-is-wrong/): It's a good idea to contact the merchant first before reporting an incorrect charge. In some cases, a mistake or computer glitch may have occurred when the payment was processed. If contacting the merchant does not resolve the issue, move forward with reporting the charge for an incorrect transaction amount.
- [What kinds of charges should I report?](https://www.hzcu.org/faq/what-kinds-of-charges-should-i-report/): Any unfamiliar or suspicious charges on your account. Charges not made by you or an authorized joint member on your account. If you did not make a purchase at the merchant listed for the suspicious charge.
- [What is considered a fraudulent or unauthorized charge?](https://www.hzcu.org/faq/what-is-considered-a-fraudulent-or-unauthorized-charge/): A charge on your card that you did not consent to. Oftentimes, these occur as a result of card theft or a stolen card number. It's important to report unauthorized charges of any amount. Report unauthorized charges as soon as possible or within 60 days of when the statement containing the error was maile dto ensure you maintain your dispute rights.*
- [What information do I need to dispute a charge on my credit or debit card?](https://www.hzcu.org/faq/what-information-do-i-need-to-dispute-a-charge-on-my-credit-or-debit-card/): You will need your card number, merchant name, date of the transaction and amount of the transaction.
- [How do I set up account alerts within the mobile app?](https://www.hzcu.org/faq/how-do-i-set-up-account-alerts-within-the-mobile-app/): Here you can set up and customize push notification settings for all your accounts!
- [How do I set up account alerts in Online Banking?](https://www.hzcu.org/faq/how-do-i-set-up-account-alerts-in-online-banking/): Here you can set up and customize alerts for all your accounts and determine whether to receive text or email alerts – or both!
- [How do I receive my temporary password for online banking?](https://www.hzcu.org/faq/how-do-i-receive-my-temporary-password-for-online-banking/): You’ll receive your temporary password within 2 hours of becoming a member or opening a new membership with a different member number. It will be sent to the email you provided in-branch, at a dealership or within your online application.
- [How do I register for online banking?](https://www.hzcu.org/faq/how-do-i-register-for-online-banking/): Registering for online banking is simple!
- [What information do I need when applying for a loan or deposit account online?](https://www.hzcu.org/faq/what-information-do-i-need-when-applying-for-a-loan-or-deposit-account-online/): Applying online is easy and only takes 5 to 10 minutes!
- [Things aren’t loading on the website correctly. What should I do?](https://www.hzcu.org/faq/things-arent-loading-on-the-website-correctly-what-should-i-do/): We’re sorry you’re experiencing some road bumps. First try clearing your cache. Doing this will refresh site data stored on your device with the latest version.
- [Can I send an international / foreign wire transfer?](https://www.hzcu.org/faq/can-i-send-an-international-foreign-wire-transfer/): At this time we do not offer international / foreign wire transfers.
- [What is the wire transfer cutoff time for same-day transfers?](https://www.hzcu.org/faq/what-is-the-wire-transfer-cutoff-time-for-same-day-transfers/): The wire request must be entered into our system by 12 pm PT / 1 pm MT to be sent on the same day. Since the process can take some time, we suggest you arrive at your local branch by 11:30 am PT / 12:30 pm MT.
- [How do I make sure that a wire transfer went through?](https://www.hzcu.org/faq/how-do-i-make-sure-that-a-wire-transfer-went-through/): If you reach out by phone, in branch or by using our Contact Us form we’d be happy to check if a wire transfer went through!
- [How do I access my Platinum Points rewards?](https://www.hzcu.org/faq/how-do-i-access-my-platinum-points-rewards/): You can easily see your Platinum Points rewards within online banking! If you’re on desktop your points will be visible on the home screen. On mobile you can view your points by going to Additional Services and selecting Platinum Points.
- [How do I order loan coupons?](https://www.hzcu.org/faq/how-do-i-order-loan-coupons/): We don’t require loan coupons for payments! However if you would still like to use loan payment coupons, you can find printable forms on our Documents and Forms page.
- [What is the difference between online banking and the Horizon informational website?](https://www.hzcu.org/faq/what-is-the-difference-between-online-banking-and-the-horizon-informational-website/): Online banking is where you log in to manage your accounts, view account information, transfer money, etc. The Horizon informational website is where you can find information on the products and services we offer.
- [How do I set up bill pay?](https://www.hzcu.org/faq/how-do-i-set-up-bill-pay/): Getting started with bill pay is easy! Click here to watch a step-by-step tutorial.
- [Can I make a loan payment by phone?](https://www.hzcu.org/faq/can-i-make-a-loan-payment-by-phone/): Yes, you can make emergency payments by phone for loan payments that are 6 or more days past due. There is a fee of $9.95 with this payment method. Click here to learn more about your payment options.
- [How can I improve my credit score?](https://www.hzcu.org/faq/how-can-i-improve-my-credit-score/): By learning the ins and outs of how credit and your credit score works, you can gain the skills you need to improve your credit in no time! Stop by our Financial Training Ground to learn how you can improve your credit score.
- [What does “new money” mean on certificate specials?](https://www.hzcu.org/faq/what-does-new-money-mean-on-certificate-specials/): New money means money that has not been previously deposited to the credit union. This means that any funds currently on deposit at Horizon Credit Union cannot be used to open a certificate when new money is required.
- [What’s the difference between the savings account types offered by Horizon?](https://www.hzcu.org/faq/whats-the-difference-between-the-savings-account-types-offered-by-horizon/): Savings — A designated account meant to help you save money. It is more difficult to access the funds in this account than it is with a checking account.
- [What is a certificate?](https://www.hzcu.org/faq/what-is-a-certificate/): A certificate of deposit (CD) is a savings account where funds are held for a predesignated period of time. Over the duration of the certificate, you earn dividends on the amount deposited. You cannot access your funds during the term of the certificate without incurring a penalty but these account types typically earn higher dividends than other savings accounts!
- [How do I make a big purchase with my debit card when branches are closed without my card being denied?](https://www.hzcu.org/faq/how-do-i-make-a-big-purchase-with-my-debit-card-when-branches-are-closed-without-my-card-being-denied/): Large dollar amount purchases may be denied as a precaution to help protect you and your account from fraud. Just let us know about any potential large transactions ahead of time by calling us at the number on the back of your card and you’ll be good to go!
- [How do I make sure that my debit or credit card will still work when I travel out of town, such as to another state or country?](https://www.hzcu.org/faq/how-do-i-make-sure-that-my-debit-or-credit-card-will-be-accessible-when-i-go-out-of-town-such-as-to-another-state-or-country/): We recommend calling us to submit a travel notice before you head out to ensure you do not encounter any issues with your cards. In order to keep your accounts safe we have anti-fraud systems in place that may be triggered by unusual activity. For example, if we notice activity outside of your usual spending patterns or geographic regions, these systems could potentially flag your transactions as being fraudulent and lead to an interruption in service. By submitting a travel notice, we'll update our records to note where you'll be traveling, so your debit and credit cards are always working and you can enjoy your trip.
- [How do I activate my new card or change my PIN?](https://www.hzcu.org/faq/how-do-i-activate-my-new-card-or-change-my-pin/): Activating your new card or changing your PIN is simple! Just call 800.631.3197 and follow the prompts.
- [Are you part of the credit union shared branching network?](https://www.hzcu.org/faq/are-you-part-of-the-credit-union-shared-branching-network/): While we are not part of the shared branching network, we are a part of the CO-OP ATM network! You have access to over 30,000+ ATMs across the nation – that’s bigger than most banks! Or if you prefer to do your banking in-branch, you can also stop by one of our 28 branches across the northwest.
- [Does Horizon exchange currency?](https://www.hzcu.org/faq/does-horizon-exchange-currency/): At this time we do not exchange currency.
- [What do I do with a cash bill if it is torn or has pieces missing?](https://www.hzcu.org/faq/what-do-i-do-with-a-cash-bill-if-it-is-torn-or-has-pieces-missing/): If a bill is torn or rough around the edges, you can deposit it as usual. However if any critical information such as the bill’s serial number, year, date, etc. is missing, we cannot accept the bill. Visit the Bureau of Engraving and Printing’s Mutilated Currency Redemption page to learn how to mail your bill in exchange for an intact replacement.
- [Where can I find the closest CO-OP ATM near me?](https://www.hzcu.org/faq/where-can-i-find-the-closest-co-op-atm-near-me/): There are 30,000+ CO-OP ATMs throughout the US available for you to use. Click here to find one near you!
- [Why is Horizon using this new technology?](https://www.hzcu.org/faq/why-is-horizon-using-this-new-technology/): By adding these machines, we can offer extended hours for added convenience and accessibility while maintaining a personal touch.
- [What else can I do at this machine?](https://www.hzcu.org/faq/what-else-can-i-do-at-this-machine/): This is a great option for things like withdrawing cash, transferring money, making a loan payment, inquiring about a new product / service and performing any transactions you can through the lobby or night drop.
- [Can I still use this machine like an ATM?](https://www.hzcu.org/faq/can-i-still-use-this-machine-like-an-atm/): Yes! You can make transactions just like you can at one of our regular ATMs, including making a deposit. It is not required for you to use the video teller option, but if you want a more personal touch to your banking we're here for you!
- [Can I apply for a new loan or deposit account without having to go into a branch?](https://www.hzcu.org/faq/how-can-i-apply-for-a-new-loan-or-deposit-accounts-without-needing-to-go-into-a-branch/): Yes! You can easily apply for a new loan or deposit account online, anytime! Simply click the Open Now button on the right-hand corner of our website.
- [How do I change my username and password for online banking?](https://www.hzcu.org/faq/how-do-i-change-my-username-and-password-for-online-banking/): Changing your username and password within online banking is quick and easy. Log into online banking or our mobile app and click on My Settings, then go to Login & Security.
- [How do I sign up for online statements?](https://www.hzcu.org/faq/how-do-i-sign-up-for-online-statements/): Signing up for online statements is simple and easy!
- [How can I remove other memberships that I’ve linked?](https://www.hzcu.org/faq/how-can-i-remove-other-memberships-that-ive-linked/): Removing memberships you’ve added in online banking is simple.
- [I have multiple member numbers and accounts at Horizon Credit Union. Is there a way to see all my memberships and accounts under a single login?](https://www.hzcu.org/faq/i-have-multiple-member-numbers-and-accounts-at-horizon-credit-union-is-there-a-way-to-see-all-my-memberships-and-accounts-under-a-single-login/): Yes! You can easily add your accounts under your main membership.
- [Why is there only one login per membership? Why can’t a joint owner have their own login?](https://www.hzcu.org/faq/why-is-there-only-one-login-per-membership-why-cant-a-joint-owner-have-their-own-login/): At this time Horizon Credit Union is set up for only the primary member’s personal information. If the joint owner on an account has a primary membership of their own, they can link their account through the Add External Accounts function.
- [Why can’t I see all my multiple memberships and accounts through my Horizon Credit Union mobile application when I use facial recognition or fingerprint?](https://www.hzcu.org/faq/why-cant-i-see-all-my-multiple-memberships-and-accounts-through-my-horizon-credit-union-mobile-application-when-i-use-facial-recognition-or-fingerprint/): Horizon Credit Union currently utilizes membership-based accounts. This means that each member number has a separate login (username and password) in online banking. Whichever membership you recently logged into and set up biometric features for will be set for that membership.
- [I have multiple member numbers and accounts at Horizon Credit Union, but when I log into online banking it only shows me one of my accounts. Why is that?](https://www.hzcu.org/faq/i-have-multiple-member-numbers-and-accounts-at-horizon-credit-union-but-when-i-log-into-online-banking-it-only-shows-me-one-of-my-accounts-why-is-that/): Our accounts are set up per membership. This means that each member number has a separate login (username and password) for online banking. To connect accounts first log in to online or mobile banking then select Add External Accounts, then Add An Account. Search for Horizon then enter the username and password of the account you want to link. After verifying your identity via phone or text, your accounts will be linked!
- [How do I order checks?](https://www.hzcu.org/faq/how-do-i-order-checks/): Log in to online banking, select Additional Services, then click Order Checks.
- [How do I transfer money to another person?](https://www.hzcu.org/faq/how-do-i-transfer-money-to-another-person/): You can transfer money to other Horizon members directly through online / mobile banking, but you can also send money to (virtually) anyone using PopMoney just as easily! Just select...
- [I received a text from Horizon Credit Union about fraudulent activity on my account and is asking for my personal information. Is this text real?](https://www.hzcu.org/faq/i-received-a-text-from-horizon-credit-union-about-fraudulent-activity-on-my-account-and-is-asking-for-my-personal-information-is-this-text-real/): We will never ask for personal information such as your debit card, social security number etc. via email or text. As your credit union, we already have this information on record. If we notice potential fraud on your account a member of our Fraud Department will contact you by phone. Any unexpected texts or email asking for personal information should be treated as spam.
- [What should I do if I think there’s been fraudulent activity on my account?](https://www.hzcu.org/faq/what-should-i-do-if-i-think-theres-been-fraudulent-activity-on-my-account/): Contact us immediately at 800.852.5316. We’ll be happy to help dispute any potentially fraudulent transactions. Additionally, you can come into any branch and have a new card with a new card number instantly issued to you.
- [How do I dispute a debit / credit card transaction?](https://www.hzcu.org/faq/how-do-i-dispute-a-debit-credit-card-transaction/): Call us at 800.852.5316 and select the option for debit cards, then the option to dispute a transaction. We’re here to assist you 24/7!
- [What is a travel notice? How do I submit a travel notice?](https://www.hzcu.org/faq/what-is-a-travel-notice-how-do-i-submit-a-travel-notice/): A travel notice is an alert you provide to your financial institution that you will be traveling outside of your usual area. This prevents our anti-fraud systems from flagging your transactions as potential fraud. You can submit a travel notice in multiple ways:
- [What is the limit for ATM cash withdrawals?](https://www.hzcu.org/faq/what-is-the-limit-for-atm-cash-withdrawals/): You can withdraw up to $1000 from ATMs and $2500 from ITMs.
- [What are check holds?](https://www.hzcu.org/faq/what-are-check-holds/): A check hold is a waiting period of one to several days. Financial institutions use a check hold to make sure the check writer's bank account has the funds available and can pay the deposited checks. After a check "clears," the check hold can be lifted and applied to your account. This means that if the check ends up not clearing, you're saved from accidentally spending funds you don't actually have.
- [How do I change my address / phone number?](https://www.hzcu.org/faq/how-do-i-change-my-address-phone-number/): You can change your account information by:
- [Where do I find my account number / member number?](https://www.hzcu.org/faq/where-do-i-find-my-account-number-member-number/): You can find your account / member information in multiple places:
- [How can I get cash when I’m not close to a Horizon Credit Union branch or ATM?](https://www.hzcu.org/faq/how-can-i-get-cash-when-im-not-close-to-a-horizon-credit-union-branch-or-atm/): By being a member of Horizon Credit Union, you have access to over 30,000+ ATMs nationwide through our CO-OP network – for free! Click here to find an ATM near you.
- [How is this different from secure mail in online banking?](https://www.hzcu.org/faq/how-is-this-different-from-secure-mail-in-online-banking/): Secure mail in online banking requires that you have a log in for online banking. The secure messaging platform does not.
- [I’m a vendor. How can I opt out of Secure Mail?](https://www.hzcu.org/faq/im-a-vendor-how-can-i-opt-out/): Because confidential credit union information may be contained in emails with vendors, we require that our vendors use the secure platform as well.
- [Can I opt out of Secure Mail?](https://www.hzcu.org/faq/can-i-opt-out-of-secure-mail/): No. Mail is automatically encrypted and routed to the secure messaging platform based on the content of the email.
- [Is Secure Mail safe?](https://www.hzcu.org/faq/is-it-secure/): Yes! By logging in to the secure messaging platform, you are helping protect your personal information. 
- [Is there a fee to use Secure Mail?](https://www.hzcu.org/faq/is-there-a-fee/): Nope! This service is entirely free.
- [Is there a history of my Secure Mail messages?](https://www.hzcu.org/faq/is-there-a-history-of-my-messages/): Yes! All messages sent to you via secure mail will be available to you until you delete them.
- [Is there a timeframe for me to access a secure message?](https://www.hzcu.org/faq/is-there-a-timeframe-for-me-to-access-a-secure-message/): Yes. The link in the email will only be valid for 182 days. However, messages are archived and available until you delete them. 
- [How do I know an email is legitimate?](https://www.hzcu.org/faq/how-do-i-know-the-email-is-legitimate/): The email sender name and address will be the individual from the credit union you have been corresponding with. The url you click to view the message(s) will be hzcu.login-us.mimecast.com. 
- [What can I use a HELOC for?](https://www.hzcu.org/faq/what-can-i-use-a-heloc-for/): Emergency fund Home improvement Consolidate bills Education And more! 
- [What is the loan length?](https://www.hzcu.org/faq/what-is-the-loan-length/): 10 year draw period 15 year repayment period 
- [Where do I make my loan payment?](https://www.hzcu.org/faq/where-do-i-send-my-loan-payment/): You have several options when making your loan payment:
- [What is Horizon’s routing number?](https://www.hzcu.org/faq/what-is-horizons-routing-number/): Our routing number is #325182506. You can find this at the top of any page on our website!
- [How does a Home Equity Line of Credit (HELOC) work?](https://www.hzcu.org/faq/will-i-get-a-new-member-number/): A revolving line of credit (like a credit card, without the card)  Access the money in branch, online or in the mobile app as you need it  The rate is adjustable, but portions of the line of credit can be fixed  Learn more

## Locations
- [Barber Station Branch](https://www.hzcu.org/branches-atms/barber-station/): Come visit our new branch in eastern Boise at Barber Station! Located in the growing Barber Valley near the Boise River, stop by before grabbing a bite to eat at the famous and locally beloved Westside Drive In or headed to a night of fun at the Idaho Shakespeare Festival. Or if you’re on your way to one of the nearby trailheads or the Idaho Botanical Garden, we’d love to see you! This branch was built in 2022 and is our first branch in Boise to feature our drive-up video teller machines. Get face-to-face service between 7 AM and 7 PM M - F, and 9 AM to 1 PM Saturdays, or use as a regular ATM anytime!
- [North Reserve – ITM Access Only](https://www.hzcu.org/branches-atms/north-reserve-branch/): Get face-to-face service at our live video teller machine anytime between 7 AM and 7 PM. You can also visit another Missoula branch:
- [Bozeman – Smith’s Store Branch](https://www.hzcu.org/branches-atms/bozeman-branch/): Stop by Bridger Peaks Town Center and get all your shopping – and banking – done in one place! Located at North 19th Ave. and Oak St. inside Smith's grocery store, our new location in Bozeman opened in 2022 and is here to get you wherever you're headed next. Whether you're grabbing groceries at Smiths, finding great deals at TJ Maxx or having dinner at Olive Garden, drop by and use one of our three Interactive Teller Machines (ITMs) to get wherever you're headed next fast! Get face-to-face service between 7 AM and 7 PM or use as a regular ATM anytime.
- [10th Ave Branch](https://www.hzcu.org/branches-atms/10th-ave-branch/): If you need to deposit a check or grab some cash before heading to Target or Albertsons or need a question about your accounts answered in between classes, stop by our Great Falls branch on 10th Ave.! This location joined the Horizon Credit Union family in 2022 after Embark Credit Union joined HZCU, growing our service area into central Montana. Embark Credit Union’s began as Great Falls Teachers Federal Credit Union in 1936 when as 65 school district employees came together to enrich the lives of their members. Located in central Great Falls near the University of Providence by plenty of shopping and food choices, we're here to get you wherever you're headed next in no time. Stop by and say hi!
- [River Drive Branch](https://www.hzcu.org/branches-atms/river-drive-branch/): Overlooking the waters of the Missouri River and right down the road from the expansive Riverside Park, our North River branch in Great Falls is located near the Missouri River Bridge on the corner of River Drive N. and 15th St. This branch became part of the Horizon Credit Union family in 2022 when we partnered up with Embark Credit Union, growing our service area into central Montana. Embark Credit Union’s beginnings start in 1936 when 65 school district employees came together to form Great Falls Teachers Federal Credit Union. If you're shopping next door for home improvements, getting ready for fun at Wheels of Thunder Family Roller Skating or embarking on the River's Edge trail, we'd love to see you stop by!
- [Brooks St Branch](https://www.hzcu.org/branches-atms/brooks-st-branch/): Need to grab some cash before heading to Splash Montana or the Missoula County Fair? We're right around the corner! Located near Brooks St. off Dearborn Ave., this branch was built in 2022 and is one of the newest additions to the Horizon family. If you're stopping by on your way to beloved local favorite spots like The Montana Club or have a question about your loan before you steer towards Les Schwab, we'd love to see you! You can get face-to-face service between 7 AM and 7 PM at our two drive-up live video teller machines – or use as a regular ATM anytime!
- [12th Ave Branch](https://www.hzcu.org/branches-atms/12th-ave-branch/): If you need to deposit a check or get some cash before heading to the grocery store or grabbing dinner, stop by our branch on 12th Ave. in Nampa! Located next to Walmart, Nampa's Parks & Rec Center, Howard Recreation Center and plenty of food options, we're here to get you wherever you're going next in no time. This branch became part of Horizon Credit Union in 2020 when Icon Credit Union joined the HZCU family. Stop by and say hi!
- [Weiser Branch](https://www.hzcu.org/branches-atms/weiser-branch/): Get your banking and groceries done in one convenient location! Located on 6th St. inside Ridley's Family Market, our Weiser location became part of Horizon Credit Union in 2020 when Icon Credit Union joined the HZCU family. Whether you’re stopping by before a game of baseball at Memorial Park, grabbing auto supplies at Ace Hardware next door or getting ready for a night of fun at the Weiser Valley Roundup, we'd love to see you stop by!
- [Ten Mile Branch](https://www.hzcu.org/branches-atms/ten-mile-branch/): Grabbing groceries at Walmart or Costco? Headed for a bite to eat? Swinging by Heroes Park? Stop by our Meridian branch on Ten Mile Rd. and say hi! Located in the bustling northwest corner of Meridian, this location joined the Horizon Credit family in 2020 when Icon Credit Union joined the team. Members and non-profit organizations are invited to utilize our community room, free of charge! With murals of local nature and landmarks in the Treasure Valley, this community room was dedicated to Pat Marler – previous board chair for Icon – and can hold approximately 40 guests. Wherever you’re headed next, we can’t wait to see you!
- [Orchard Branch](https://www.hzcu.org/branches-atms/orchard-branch/): This branch is currently closed for remodeling. We’re updating the building to reflect Horizon’s style and enhance your member experience. Construction is expected to finish in early 2027, when you’ll be welcomed back to a refreshed branch with modern features.
- [Chinden Branch](https://www.hzcu.org/branches-atms/chinden-branch/): Stop by our branch off Chinden Rd. in Boise before grabbing a bite to eat at one of many beloved local favorites like Lindy's Steakhouse, Guidos or Blue Sky Bagels! Located near the Boise Aquatic Center, Luxe Reel Theatre and Banbury Golf course, we're your one-stop financial stop on your way towards fun. This branch became part of Horizon Credit Union in 2020 after Icon Credit Union joined the HZCU family. We’re ready to help you go wherever your path takes you next!
- [Overland Branch](https://www.hzcu.org/branches-atms/overland-branch/): Ready to soak up some sun at Roaring Springs Water Park? Gearing up for fun at Wahooz Family Fun Zone no matter the season? Easy access to your money is almost just as exciting! Our Overland branch joined the Horizon Credit Union family in 2020 after Icon Credit Union partnered up with us. Members and non-profit organizations are also invited to utilize the community room at this branch – free of charge. The community room features full-wall murals of Treasure Valley, its scenery and many beloved local sites. Wherever fun takes you next, we'd love to see you!
- [La Grande Branch](https://www.hzcu.org/branches-atms/la-grande-branch/): Located in the heart of La Grande's historic downtown, our branch on Depot St. is near plenty of places to spend the afternoon browsing local stores or grabbing dinner with friends at a brew pub nearby. We’re located near the beautiful historic train depot, which used to be the main street of La Grande. In 2020 this branch became part of Horizon Credit Union when Icon Credit Union joined the team. Wherever adventure takes you next, we can't wait to see you!
- [Davenport – ITM Access Only](https://www.hzcu.org/branches-atms/davenport-itm-access-only/): Stop by our Davenport location before grabbing gas at Exxon or groceries at Safeway! Located on the corner of Morgan and 12th St. in the small town of Davenport, this location joined Horizon Credit Union when Inland Power & Light Credit Union came on board in 1991. Get face-to-face service at our live video teller machine anytime between 7 AM and 7 PM – or use as a regular ATM anytime!
- [Emerald Branch](https://www.hzcu.org/branches-atms/emerald-branch/): Stop by our location on Emerald St. if you need to deposit a check before shopping, grab some cash for that birthday dinner or anything in between! Located in western Boise near the Towne Square Mall and plenty of food options, this branch is conveniently located to get you wherever you’re headed next. This branch became part of the Horizon Credit Union family in 2020 when we partnered up with Icon Credit Union. Drop by and say hi – we'd love to see you!
- [Colville Branch](https://www.hzcu.org/branches-atms/colville-branch/): Tucked in between rolling hills and thickets of pine trees, our Colville branch sits off of North Highway 395 towards Kettle Falls. This branch is one of our longest standing branches! Stop by before taking your car in to AutoZone or O'Reilly Auto Parts or if you need to deposit a check before grabbing groceries at Walmart or Super 1 Foods. Or if you’re stopping through town on your way to 49° North Mountain Resort, stop by and say hi! We can't wait to guide you towards wherever adventure takes you next!
- [Coeur d’Alene Branch](https://www.hzcu.org/branches-atms/coeur-dalene-branch/): Nestled beside hills blanketed with trees and vast sprawling lakes, our branch in northern Coeur d'Alene is here help get you wherever adventure takes you next! We're on the corner of Hanley Ave. and Park Dr. across from Dutch Bros and CDA Pet Market. This branch became part of Horizon Credit Union when Icon Credit Union's Coeur d'Alene branch joined us in 2013 before the rest of the Icon team came on board in 2020. If you need to deposit some cash before heading to Applebee's or Mackenzie River for a bite to eat, stop on by! We'd love to see you!
- [Northpointe Branch](https://www.hzcu.org/branches-atms/northpointe-branch/): If you need to grab cash before shopping at Best Buy or Target, hunting for treasure at Goodwill or gearing up for adventure at Cat Trails Wildlife Center or the Wonderland Family Fun Center, stop by and say hi at our Northpointe location on N. Nevada St.! Located in north Spokane near Whitworth University behind the Northpointe Shopping Center, this branch was built in the turn of the century in 2000. We’re ready to get you wherever you’re headed next in no time!
- [Conklin Branch](https://www.hzcu.org/branches-atms/conklin-branch/): If you're spending the afternoon treasure hunting at GreenAcres Vendor Mall or grabbing groceries at Fred Meyer, access to your accounts is just a stone's throw away. Located on the corner of Sprague Ave. and Conklin Rd., this branch became part of Horizon Credit Union when United Health Services Credit Union joined the HZCU family in 2015. Conveniently located in Spokane Valley, stop by if you're headed to downtown Spokane or on your way to Coeur d'Alene. We'd love to see you!
- [Deer Park Branch](https://www.hzcu.org/branches-atms/deer-park-branch/): Located to the north of Spokane, stop by our Deer Park branch before heading for the great outdoors or on your way to carve up some snow at 49° Ski Resort! Located near the highway in southern Deer Park, this branch is easily located next to Yoke's Fresh Market and plenty of food options like Domino’s, McDonalds and Subway. This branch joined the Horizon Credit Union family after Inland Power & Light Credit Union joined us in 1991, making this one of our oldest locations. Wherever adventure takes you next, we can’t wait to see you!
- [Washington St Branch](https://www.hzcu.org/branches-atms/washington-st-branch/): Washington Street roadwork and branch access
- [Ephrata Branch](https://www.hzcu.org/branches-atms/ephrata-branch/): Need cash for your show at the Gorge? Want to check your accounts before heading up to Sun Lake? Stop by our Ephrata branch! Located off the main street through Ephrata, this branch became part of Horizon Credit Union after we partnered with Columbia Basin Federal Credit Union in 2006, growing our scope into central Washington. Whether you’re a local or on route to your next adventure, be sure to stop by and say hi!
- [Sandpoint Branch](https://www.hzcu.org/branches-atms/sandpoint-branch/): Located close to Sandpoint’s historic downtown against the calm waters of the Pend d'Orielle lake, this branch joined Horizon Credit Union in 1989 when Superior Federal Credit Union joined the HZCU family, making it one of our oldest locations. This branch got a new look in 2019 and now features art and murals of the local scenery and history, with a coffee bar and fireplace to help you warm up after you’re done slicing up the slopes at Schweitzer. Wherever adventure takes you next, we can't wait to see you!
- [South Reserve Branch](https://www.hzcu.org/branches-atms/south-reserve-branch/): If you need to stop by a branch before you get your groceries, we've got you covered! This branch is conveniently located next to Rosauers, WinCo and C. S. Porter Middle School along with plenty of outdoor recreation at Fort Missoula or Larchmont Golf Course. Our South Reserve location joined the Horizon Credit Union family when Montana First Federal Credit Union became part of the team in 2012. Wherever you're headed next, stop by and say hi! We'd love to see you!
- [Mullan Branch](https://www.hzcu.org/branches-atms/mullan-branch/): Need to grab some cash before heading to WinCo or Famous Joe's Vendor Emporium? Our Mullan branch is conveniently located off of I-90 near the Dishman Hills in Spokane Valley, making us an easy stop wherever you’re headed next. This branch is one of our first and longest standing locations open since 1984. We’re also next to dozens of dealerships down Sprague Ave., which means we’re here to help if you’ve got a question before heading to the auto dealership. Stop on by – we'd love to see you!
- [Liberty Lake Branch](https://www.hzcu.org/branches-atms/liberty-lake-branch/): Need to swing by a branch before hitting the green on Trailhead Golf Course? Our location on East Country Vista Dr. in Liberty Lake is conveniently located next to Yoke's, BocoPOP, O'Reilly Auto Parts and Home Depot. You have easy access to your accounts wherever you’re headed next on your financial path. This branch has been part of the Horizon Credit Union family since 2007 and stands out with its log cabin feel, high ceilings and plenty of windows. Say hi and warm up by the fireplace during those cold winter months!
- [Mirabeau Branch](https://www.hzcu.org/branches-atms/mirabeau-branch/): Overlooking the Spokane River and Mirabeau Park, our Mirabeau branch is conveniently located in the heart of outdoor recreation in Spokane Valley. Found on the first floor of our admin building near Discovery Park and the eastern region of Washington Dept. of Fish & Wildlife, stop by before heading to the Spokane Valley Mall, exploring vendors at the local Farmer’s Market or heading on the Centennial Trail. Wherever adventure takes you next, stop by and say hi – we’d love to see you!
- [Post Falls Branch](https://www.hzcu.org/branches-atms/post-falls-branch/): If you're stopping by Maverik on your way or if you need to grab some cash before heading to the Car Wash Plaza across the street, stop by our Post Falls branch to get wherever you’re headed next fast! Located off North Highway and E. Mullan Ave., you can find us next to plenty of places to grab a quick bite like Popeyes, Pita Pit and Del Taco. Wherever adventure takes you next, we'd love to see you!
- [Moses Lake Branch](https://www.hzcu.org/branches-atms/moses-lake-branch/): Our Moses Lake branch is located on S. Clover Dr. Whether you’re stopping by on your way out of town or on your way back home, you’ve got easy access to your accounts. Our Moses Lake branches have been part of the Horizon Credit Union family since 2006 after Columbia Basin Credit Union joined the team. Wherever you’re going next, drop by and say hi – we'd love to see you!
- [Butte Branch](https://www.hzcu.org/branches-atms/butte-branch/): Located near the center of town, our Butte branch is centrally located help get you wherever you're headed next in no time! Located on Harrison and Grand Ave, this location became a Horizon Credit Union branch in 2015 after EDTECH Credit Union partnered up with us. Be sure to stop by on your way to “Our Lady of the Rockies” – a large statue of Virgin Mary overlooking the city atop the East Ridge Mountain. Standing at 90 ft. tall, she is one of the tallest statues in America! If you’re looking for fun in Butte, we’re close to Clark Park or the Butte Community Ice Center to help you get more year-round fun. Wherever you're headed next, stop by and say hi!

## News
- [2026 International Credit Union Day](https://www.hzcu.org/about-us/news/2026-international-credit-union-day/): At Horizon Credit Union, we believe in the credit union philosophy of People Helping People. This October, we're proud to join 16 other Spokane-area credit unions for a day of service benefiting Our Place Community Outreach, a nonprofit dedicated to helping individuals and families access basic necessities and support during times of need.
- [How to Budget: A Simple Guide](https://www.hzcu.org/about-us/news/how-to-budget-a-simple-guide/): Some people feel like budgeting is harsh, but it shouldn’t be that way. Really, it’s just telling your money where to go instead of wondering where it went. This guide covers the fundamentals of budgeting: how to build one, which methods work best for different situations and how to manage your money when income is unpredictable, expenses spike or life doesn't go according to plan.
- [How to stop living paycheck to paycheck](https://www.hzcu.org/about-us/news/how-to-stop-living-paycheck-to-paycheck/): Living paycheck to paycheck is one of the most stressful financial situations to be in. With no margin for error, anything that goes wrong can cause a major headache.
- [Best Neighborhoods in Boise, Idaho](https://www.hzcu.org/about-us/news/best-neighborhoods-boise/): Last updated: August 2026
- [Cost of Living in Boise, Idaho](https://www.hzcu.org/about-us/news/cost-of-living-boise/): Even though the cost of living in Boise is slightly below the national average, newcomers and locals alike may feel it’s no longer the bargain it once was. Housing costs have increased significantly over the past decade, and many people are surprised by home prices when they first start researching the area. At the same time, Boise remains much more affordable than larger West Coast metros like Seattle, Los Angeles or San Francisco.
- [Buying a Home in Boise, Idaho](https://www.hzcu.org/about-us/news/buying-a-home-in-boise/): Buying a home in Boise looks a little different than it did 10 years ago. Home values have risen, new neighborhoods have emerged throughout the Treasure Valley and buyers have more options than ever before. For buyers relocating from outside the area, one of the most important decisions is where to live, rather than just which house to buy. A historic home near downtown offers a completely different experience than a newer home in Meridian or Eagle. Determining what you want early on can make your home search much easier.
- [Things to Do in Boise, Idaho](https://www.hzcu.org/about-us/news/things-to-do-in-boise/): Last updated: August 2026
- [Moving to Boise, Idaho: What You Need to Know](https://www.hzcu.org/about-us/news/moving-to-boise/): Idaho’s capital city offers a mix of desirable features that can be difficult to find in one place. If you’re moving to Boise, you’ll discover a solid job market, metropolitan conveniences and entertainment married with easy access to parks, rivers, trails, mountains and public land. This combination appeals to families, professionals and retirees alike.
- [Preventing Financial Elder Abuse](https://www.hzcu.org/about-us/news/preventing-financial-elder-abuse/): Elder abuse is an unfortunate reality that affects millions of older people throughout the U.S. One of the most common forms is financial exploitation. It can happen in many ways, perhaps suddenly through a targeted scam, or gradually over time through repeated manipulation. Thankfully, financial elder abuse can be prevented or stopped by recognizing the warning signs and following the simple steps in this article.
- [Horizon Credit Union Celebrates Impact of Ninth Annual Go. Give. Grow. Event](https://www.hzcu.org/about-us/news/horizon-credit-union-celebrates-impact-of-ninth-annual-go-give-grow-event/): SPOKANE VALLEY, WA – Horizon Credit Union hosted its ninth annual Go. Give. Grow. community service event on Tuesday, Sept. 15, 2026. All Horizon locations closed at noon so employees, leaders and board members could volunteer with 22 nonprofits across four states.
- [Horizon Credit Union Employees Across Four States Unite for Annual Go. Give. Grow. Event](https://www.hzcu.org/about-us/news/horizon-credit-union-employees-across-four-states-unite-for-annual-go-give-grow-event/): Horizon Credit Union will once again step away from its desk and into the community for its annual Go. Give. Grow. Event on Tuesday, Sept. 15, 2026, mobilizing employees across four states to volunteer with local nonprofit organizations and community partners.
- [Buy Now, Pay Later: What You Need to Know](https://www.hzcu.org/about-us/news/buy-now-pay-later-what-you-need-to-know/): Buy now, pay later (BNPL) services have become a fixture at checkout. Klarna, Afterpay, Affirm, PayPal Pay Later and others offer the ability to split a purchase into smaller installments. It's a convenient option, but like any financial product, how you use it matters. Here's how BNPL works, where it makes sense and what to watch for.
- [APR vs. APY: What’s the Difference?](https://www.hzcu.org/about-us/news/apr-vs-apy-difference/): APR and APY are two numbers that show up constantly in personal finance, on loan offers, savings account disclosures, credit card agreements and investment products. They look similar and are easy to confuse, but they measure different things. Understanding the distinction helps you compare products and make better financial decisions.
- [Credit Unions Donate $25,000 to Moses Lake Police Department’s K-9 Program](https://www.hzcu.org/about-us/news/five-credit-unions-join-forces-to-donate-25000-to-moses-lake-police-departments-k-9-program/): GRANCO Federal Credit Union, Gesa Credit Union, STCU, Solarity Credit Union and Horizon Credit Union collaborate to strengthen public safety in Moses Lake
- [Why use a Business Money Market Account?](https://www.hzcu.org/about-us/news/why-use-a-business-money-market-account/): Most businesses have money that will be needed eventually, but not today. Maybe you're planning a remodel, replacing equipment or setting money aside for future growth. Whatever your goal, there’s always the question: where should you keep your funds while you're working toward it? That's where a Business Money Market account comes in.
- [Debt Consolidation: Does it Make Sense for You? ](https://www.hzcu.org/about-us/news/debt-consolidation-does-it-make-sense/): Managing several debt payments at once—each with different due dates, interest rates and minimum payments—gets complicated fast. Debt consolidation offers a way to simplify things: combine multiple debts into a single loan, ideally at a lower interest rate, and make one payment each month. 
- [Horizon Credit Union Donates $5,000 to Partners INW to Support Spokane Complex Fire Relief](https://www.hzcu.org/about-us/news/horizon-credit-union-donates-5000-to-partners-inw-to-support-spokane-complex-fire-relief/): SPOKANE, WA — Horizon Credit Union has donated $5,000 to Partners INW to support relief and recovery efforts for individuals, families and communities affected by the Spokane Complex Fires.
- [Dealing With Medical Debt ](https://www.hzcu.org/about-us/news/dealing-with-medical-debt/): Medical debt is one of the most common financial challenges American families face. Unlike other kinds of debt, medical bills often arrive unexpectedly, in confusing formats and in amounts that don't always reflect what you'll actually owe after insurance. Navigating medical debt can be stressful and takes some know-how. Fortunately, you often have more options than the bills suggest. 
- [Your Rights as a Borrower: What Debt Collectors Can and Can’t Do ](https://www.hzcu.org/about-us/news/borrower-rights-debt-collectors/): Dealing with a debt collector can feel stressful, but it helps to know that federal law gives borrowers significant protections. Debt collectors operate under strict rules, and understanding those rules puts you in a much stronger position to handle the situation confidently. 
- [How to Create a Budget: A Simple Guide ](https://www.hzcu.org/about-us/news/how-to-create-a-budget/): Budgeting isn’t as complicated as you might think. It’s just about getting a clear picture of your finances and planning ahead. While it may feel stressful to face your finances head-on, you’ll have peace of mind knowing you’re doing the best you can. It also gives you permission to spend without feeling guilty. Here’s how to create a budget, step-by-step. 
- [How to Pay Off Debt Faster](https://www.hzcu.org/about-us/news/how-to-pay-off-debt-faster/): Having a plan to pay off debt is one of the best financial moves you can make. Even modest extra payments, applied consistently over time, can save hundreds or thousands of dollars in interest and get you debt-free years ahead of schedule.
- [Horizon Credit Union Announces Leadership Promotions and New Hires](https://www.hzcu.org/about-us/news/horizon-credit-union-announces-leadership-promotions-and-new-hires/): Wendy Duncan, Vice President of Retail OperationsWendy Duncan has been with Horizon Credit Union since 2004. She brings 35 years of credit union experience to her new role as Vice President of Retail Operations. Wendy has played a key role in navigating organizational growth and change, earning a reputation for her leadership, deep industry knowledge and commitment to member service. She began her career in 1990 with URM Credit Union and has served in a variety of roles, most recently as Director of Retail Services for Horizon’s Spokane Valley locations.
- [Horizon Steps Up to the Plate with the Boise Hawks](https://www.hzcu.org/about-us/news/boise-hawks/): Boise is full of things to do on a summer night, but there’s nothing quite like a baseball game with the Boise Hawks. At Memorial Stadium, you’ll find families sharing laughs, kids chasing foul balls, and neighbors coming together to enjoy America’s favorite pastime. It’s a tradition that never gets old, and we’re proud to support it. Our partnership with the Boise Hawks is one of the many ways we connect with and serve communities across Idaho.
- [Your Complete Guide to Managing and Paying Off Debt](https://www.hzcu.org/about-us/news/guide-to-managing-and-paying-off-debt/): With mortgages, car loans, student loans and credit cards, most of us carry some form of debt at any given time. While debt can be useful, it’s also risky, so it’s important to manage it carefully and always understand how it’s working for or against you.
- [What is a Credit Report?](https://www.hzcu.org/about-us/news/what-is-a-credit-report/): Your credit score gets a lot of attention, but it's your credit report that matters most. While your score is summary, your report shows the full story. If something's wrong in your report, it will show up in your score whether you’re aware of it or not. Here's what you need to know about your credit report: what it contains, how to get yours and what to do if you find something that doesn't look right.
- [Understanding Your Credit Score (and How to Improve It)](https://www.hzcu.org/about-us/news/understanding-your-credit-score/): Getting a better score takes time and consistent habits. Here's how to improve your credit score:
- [Knock Summer Out of the Park With the Great Falls Voyagers](https://www.hzcu.org/about-us/news/knock-summer-out-of-the-park-with-the-great-falls-voyagers/): Looking for something to do on a summer night in Great Falls? Why not go to a good ol’ fashioned baseball game? At Centene Stadium, home of the Great Falls Voyagers, families and friends gather to enjoy America's pastime and spend time together. It’s a simple tradition that we at Horizon are thrilled to be a part of. Our partnership with the Great Falls Voyagers is one of the many ways we serve communities in western Montana and beyond.  
- [How to Protect Your Credit From Fraud and Scams ](https://www.hzcu.org/about-us/news/how-to-protect-your-credit-from-fraud/): Credit fraud happens more often than you might expect. Sometimes it's a charge you don't recognize. Other times, a new account opened in your name that you never applied for. Whatever way it happens, catching it early and knowing what to do makes a big difference. 
- [How to Build Credit From Scratch ](https://www.hzcu.org/about-us/news/how-to-build-credit-from-scratch/): Starting with no credit history can feel like a catch-22. You need credit to get credit, but it seems like no one will give you credit until you have some. It's a tricky situation, but even if you have no credit history at all, there are a few reliable ways to build credit from scratch.
- [Orchard Branch Boise Remodel](https://www.hzcu.org/about-us/news/orchard-branch-boise-remodel/): If you bank at our Orchard branch, you may have noticed it’s due for an update. That’s why on Aug. 1, we’re starting a remodel! The project involves removing the existing building and constructing a new one with some major improvements.  
- [What’s Next? We’re Here for It](https://www.hzcu.org/about-us/news/whats-next-were-here-for-it/): If we’ve learned anything since opening in 1947, dreams come in all shapes and sizes. For some, the dream looks like buying a boat or RV. For others, it’s getting out of debt or sending kids to college. Whatever your financial dream is, we’re here for it. And while every path is different, it always starts with the same question: “What’s next?”
- [Debit vs. Credit Cards: When to Use Which](https://www.hzcu.org/about-us/news/debit-vs-credit-card/): Debit and credit cards look almost identical. You insert them the same way, and most places accept both. But under the hood, they work very differently, which one you reach for can affect your budget, your fraud protection and even your credit score. 
- [What is a High-Yield Savings Account? ](https://www.hzcu.org/about-us/news/what-is-a-high-yield-savings-account/): Saving money is one of the best ways to secure your financial future. Smart savers not only put away money each month, they also use an account that helps their money grow. One such account is a high-yield savings account. In this article, we’ll cover what a high-yield savings account is, how it works and when it makes sense to use one. 
- [Horizon Fights Housing Instability in Missoula With $8,574 Donation](https://www.hzcu.org/about-us/news/horizon-fights-housing-instability-in-missoula-with-8574-donation/): SPOKANE VALLEY, WA, May 11, 2026 – Horizon Credit Union awarded $8,574 to YWCA Missoula to help support families experiencing housing insecurity. To make the donation, Horizon obtained a Member Impact Fund grant from the Federal Home Loan Bank of Des Moines (FHLB Des Moines). This matching grant program turned Horizon's $2,500 contribution into $8,574 by adding an additional $6,074.
- [How to Get a Mortgage: A Step-by-Step Guide](https://www.hzcu.org/about-us/news/how-to-get-a-mortgage-a-step-by-step-guide/): Preparing to buy a house? It’s not easy, but millions of people buy homes every year. With the right guidance, you’ll find a wonderful home with a payment you can afford. This article covers everything you need to know about how to get a mortgage loan.
- [Fraud in the Forecast – Watch Out For Scams](https://www.hzcu.org/about-us/news/fraud-in-the-forecast-watch-out-for-scams/): Scams can take many forms. Scammers will often pose as a trusted party, like your credit union, a government agency or a large retailer. Other times, scammers will trick or bait you into clicking a link and then use malware to steal personal information.
- [Horizon Credit Union Wraps Its 8th Annual Employee Day of Service](https://www.hzcu.org/about-us/news/horizon-credit-union-wraps-its-8th-annual-employee-day-of-service/): SPOKANE VALLEY, WA – Horizon Credit Union hosted its 8th annual Go. Give. Grow. community service event on Sept. 16, 2025. All Horizon locations closed at noon so employees, leaders and board members could volunteer with 22 nonprofits in four states.
- [Digital Banking: Designed for Your Day-to-Day](https://www.hzcu.org/about-us/news/digital-banking-designed-for-your-day-to-day/): Life moves fast. Between work, family and everything else that fills your calendar, your money needs to be easy to manage, secure and available when you need it. That’s where digital banking comes in.
- [Coming Up – Go. Give. Grow. 2026](https://www.hzcu.org/about-us/news/coming-up-go-give-grow-2025/): Go. Give. Grow. is back on Tuesday, September 15, 2026! On Go. Give. Grow. day, Horizon closes early and sends the entire team to volunteer at local charities. From food pantries to educational support programs, we’ll be pitching in throughout the four states where we live and work. Don't be shy if you spot us out and about – say hello!
- [What’s Changing in Digital Banking?](https://www.hzcu.org/about-us/news/whats-changing-in-digital-banking/): Digital banking is getting a refresh, both online and in the app. The update modernizes the look and feel, makes popular features easier to access and allows members to customize their account.
- [How Does a HELOC Help You Handle Your Debt?](https://www.hzcu.org/about-us/news/how-does-a-heloc-help-you-handle-your-debt/): Debt consolidation means combining multiple debts into a single loan or line of credit. Instead of making several monthly payments to different lenders (credit cards, medical bills, personal loans, etc.), you roll them into one manageable payment — ideally at a lower interest rate. This can help you:
- [New ITM at the Moses Lake Branch](https://www.hzcu.org/about-us/news/new-itm-at-the-moses-lake-branch/): Head on over to the the Moses Lake branch to give the new ITM a try! Traveling soon? You can also find ITMs at the following locations:
- [Your Guide to Switching Banks — Don’t Forget Step 2](https://www.hzcu.org/about-us/news/your-guide-to-switching-banks-dont-forget-step-2/): Changing financial institutions might seem like a big task, but it’s easier than you might think — and the benefits can be well worth the effort. Whether you’re looking for better rates, better service or a more personalized banking experience, moving your accounts to a new financial institution can give you a fresh start.
- [Call for Board of Director and Supervisory Committee Nominations](https://www.hzcu.org/about-us/news/call-for-board-and-committee-nominations-2025/): Horizon’s Nominating Committee welcomes resumes and letters of interest from qualified members of Horizon Credit Union who are interested in consideration for nomination for election to Horizon Credit Union’s Board of Directors or Supervisory Committee. The current deadline for submission is January 20, 2025.  Please be on the lookout on Horizon’s website for the upcoming Annual Meeting date, typically scheduled in May.
- [Skip the Mail to Avoid Delays](https://www.hzcu.org/about-us/news/skip-the-mail-to-avoid-delays/): Thankfully, we’ve got you covered! There are other ways to make a payment that are faster, safer and more convenient than dropping your payment in the mail. In fact, you never even have to leave the comfort of your warm home.
- [Horizon Helps Build a Better Future With $10,000 Donation](https://www.hzcu.org/about-us/news/horizon-helps-build-a-better-future-with-10000-donation/): SPOKANE VALLEY, WA, November 4, 2024 – Horizon Credit Union helped secure the future of local families by awarding $10,000 to Habitat for Humanity of Spokane. To make the donation, Horizon obtained a Member Impact Fund grant from the Federal Home Loan Bank of Des Moines. This matching grant program helped Horizon increase their initial contribution by 300%, turning $2,500 into $10,000. The money will be used to fight housing insecurity throughout Spokane County. 
- [Visualize Your Goals with Goal Builder](https://www.hzcu.org/about-us/news/visualize-your-goals-with-goal-builder/): In today's fast-paced world, managing finances efficiently is crucial for achieving your long-term goals. Whether you're saving for a dream vacation, buying your forever home, or planning for retirement, having a clear roadmap is essential. To empower our members with comprehensive financial planning tools, we're excited to introduce Goal Builder, an innovative feature integrated into our online banking platform.
- [Be Wary of Fraudsters Posing as Horizon](https://www.hzcu.org/about-us/news/be-wary-of-fraudsters-posing-as-horizon/): Fraudsters having gotten really good as posing as others. It's a scam tactic called spoofing. Even looking up the names of employees on professional websites like LinkedIn, so they can confidently pose an employee of the credit union. It's no wonder people fall victim to their scams.
- [Horizon Credit Union Halts Operations for Day of Community Service](https://www.hzcu.org/about-us/news/horizon-credit-union-halts-operations-for-day-of-community-service/): SPOKANE VALLEY, WA – On Tuesday, September 17 Horizon Credit Union Go-Givers ditched the office to finish the workday volunteering in their local communities.
- [Horizon in the Community](https://www.hzcu.org/about-us/news/horizon-in-the-community/): Horizon Credit Union is committed to the communities we serve. That commitment guides us as we make our daily decisions. In addition to providing the best products and services available to members, we're dedicated to supporting charitable, community and civic organizations however we can.
- [Is Now the Right Time to Refinance?](https://www.hzcu.org/about-us/news/is-now-the-right-time-to-refinance/): Interest rates have finally started to slide and could fall further in the near future. This moment in time could be a great opportunity to save some money by refinancing. The decision depends on various factors like your current mortgage rate, loan terms, closing costs and your financial goals. Here's a guide to help you determine if now is the right time to make a move.
- [Branch Hours Changing](https://www.hzcu.org/about-us/news/branch-hours-changing/): We routinely assess branch activity to ensure we're accessible whenever you need us. Recently we've observed a growing preference among members for our convenient digital services, complementing the personalized support available in our branches.
- [Tap to Pay](https://www.hzcu.org/about-us/news/tap-to-pay/): All new Horizon cards are equipped with Tap to Pay! Tap to Pay makes checkout quick and easy and is highly secure. Merchants accept contactless payments across the globe and in 2024 at least 51% of Americans use some form of Tap to Pay.
- [Online Imposters](https://www.hzcu.org/about-us/news/online-imposters/): Scammers are constantly working to steal member information. One way they do this is by posing as Horizon Credit Union online and attempting to gather your online banking username and password. Our information security team has tools to detect and alert us when our site is "cloned," meaning the site - or a page from the site - has been copied. Unfortunately, we have received alerts that scammers have cloned our site in an attempt to steal your username and password.
- [Small Business Essentials](https://www.hzcu.org/about-us/news/small-business-essentials/): The free online Small Business Essentials course in Financial Training Ground is tailor-made for entrepreneurs. This half-hour program is broken up into easy-to-follow segments on the following subjects:
- [Youth Month Video Series: Pay Yourself First](https://www.hzcu.org/about-us/news/youth-month-video-series-pay-yourself-first/): April is National Credit Union Youth Month! At Horizon, we believe there’s no better time to help your kids develop healthy money habits than right now. According to CNBC, studies show that financially literate students are more likely to make smart decisions when paying for college, less likely to rely on private loans and have better average credit scores as young adults. Set your child up for success; start teaching them about money today.
- [Youth Month Video Series: Know Your Checking Account](https://www.hzcu.org/about-us/news/youth-month-video-series-know-your-checking-account/): April is National Credit Union Youth Month! At Horizon, we believe there’s no better time to help your kids develop healthy money habits than right now. According to CNBC, studies show that financially literate students are more likely to make smart decisions when paying for college, less likely to rely on private loans and have better average credit scores as young adults. Set your child up for success; start teaching them about money today.
- [Youth Month Video Series: Saving Money](https://www.hzcu.org/about-us/news/youth-month-video-series-saving-money/): April is National Credit Union Youth Month! At Horizon, we believe there’s no better time to help your kids develop healthy money habits than right now. According to CNBC, studies show that financially literate students are more likely to make smart decisions when paying for college, less likely to rely on private loans and have better average credit scores as young adults. Set your child up for success; start teaching them about money today.
- [Youth Month Video Series: Making Money](https://www.hzcu.org/about-us/news/youth-month-video-series-making-mone/): April is National Credit Union Youth Month! At Horizon, we believe there’s no better time to help your kids develop healthy money habits than right now. According to CNBC, studies show that financially literate students are more likely to make smart decisions when paying for college, less likely to rely on private loans and have better average credit scores as young adults. Set your child up for success; start teaching them about money today.
- [Direct Deposit Just Got More Direct](https://www.hzcu.org/about-us/news/direct-deposit-just-got-more-direct/): We’re always working to improve our services. Thanks to a change in the way we’re able to process automatic deposits (ACH), you may now receive your direct deposits up to two days earlier! Members who use online banking will notice their account history is easier to read since automatic deposits will no longer display as pending transactions.
- [Be Cautious with QR Codes](https://www.hzcu.org/about-us/news/be-cautious-with-qr-codes/): QR codes are everywhere these days. They are versatile tools that can be used to open a web page, see the menu at a restaurant, as a ticket for an event, connect to a wireless network or compose a text or email. But they can also be used to steal your information.
- [New! Updates to Online Banking Bill Payments](https://www.hzcu.org/about-us/news/new-updates-to-online-banking-bill-payments/): We are always working to improve our online services to continue to bring you easy home banking. With our recent updates, you can now pay bills from multiple checking accounts under your current membership.
- [Jake Patterson Joins HZCU as Director of Marketing](https://www.hzcu.org/about-us/news/jake-patterson-joins-hzcu-as-director-of-marketing/): Horizon Credit Union hires Jake Patterson as director of marketing
- [Northpointe Branch Construction](https://www.hzcu.org/about-us/news/northpointe-will-be-under-construction/): Starting in late August, Horizon's Northpointe branch will be under construction. Construction is expected to finish in late fall 2023.
- [Horizon Nearly Triples Affordable Housing Donation](https://www.hzcu.org/about-us/news/horizon-nearly-triples-affordable-housing-donation/): Horizon Credit Union has helped make a lasting impact on affordable housing and community development in the Treasure Valley area.
- [HZCU Raises Nearly $20k for CU4Kids Campaign](https://www.hzcu.org/about-us/news/horizon-credit-union-raises-nearly-20k-for-cu4kids-campaign/): From May 1 to May 19, Horizon Credit Union members and employees teamed up to raise $19,521 for the annual Credit Unions for Kids (CU4Kids) campaign, far exceeding this year’s goal of $15,000.
- [Why You Should Set Up Account Alerts](https://www.hzcu.org/about-us/news/why-you-should-set-up-account-alerts/): While you’re out adventuring this summer, just focus on having fun – with account alerts, we’ll bring your banking right to you!
- [New! Youth Account Online Banking Experience](https://www.hzcu.org/about-us/news/new-youth-account-online-banking-experience/): Our young savers and spenders now have easy access to the right tools to reach their goals within online banking.
- [Changes to Visa® Credit Card Payments](https://www.hzcu.org/about-us/news/changes-to-visa-credit-card-payments/): We’re changing the minimum dollar amount due on Visa® credit cards to help you make progress while paying down your debt. Read on to learn more.
- [Horizon Credit Union Expands Senior Management Team](https://www.hzcu.org/about-us/news/horizon-credit-union-expands-senior-management-team/): Horizon Credit Union is proud to announce the expansion of their senior management team and the promotion of three directors to vice president.
- [HZCU Creative Team Creates Original Mural for Spokane HOPE](https://www.hzcu.org/about-us/news/hzcu-creative-team-creates-original-mural-for-spokane-hope/): SPOKANE, WA – The creative team at Horizon Credit Union got to step away from its well-known brand and create a unique mural for the kids and parents of Spokane HOPE, an organization that helps deaf and hard-of-hearing kids learn to listen and speak.
- [QuickBooks® Access](https://www.hzcu.org/about-us/news/new-quickbooks-access/): Horizon is ready to help you make tax season a breeze. You can now connect your Horizon accounts (both personal and business accounts) directly to QuickBooks!
- [New Boise Branch Now Open](https://www.hzcu.org/about-us/news/new-boise-branch-now-open/): Our latest branch in the Treasure Valley area is now open! Located at 3076 E. Barber Valley Dr., our Barber Station branch opened December 19, 2022. Stop by and say hi!
- [Scam Alert: Fraudulent Activity Texts](https://www.hzcu.org/about-us/news/scam-alert-fraudulent-activity-texts/): Scammers are currently targeting Horizon members by sending text messages about "fraudulent activity" on their accounts. Read on to learn about the latest scam and how you can protect your information.
- [HZCU’s Financial Trek Check Wins Award](https://www.hzcu.org/about-us/news/news-post/): In recognition of their commitment to financial education, GoWest Credit Union Association has awarded Horizon Credit Union the Desjardins Adult Financial Education award for their Financial Trek Check program.
- [Fraud Alert: Mobile Deposit Check Fraud](https://www.hzcu.org/about-us/news/fraud-alert-mobile-deposit-fraud/): Horizon Credit Union is seeing a rise in check fraud deposits through mobile deposit. Read more to learn about the latest fraud attempts and what to watch for.
- [Scam Alert: Fake Purchase](https://www.hzcu.org/about-us/news/scam-alert-fake-purchase/): Scammers are getting creative – finding new and inventive ways to get to your money and personal information. Before you click the link or call the number in that latest text or email, read on to learn about the latest scam(s) and how you can protect yourself.

## Testimonials
- [Paul M.](https://www.hzcu.org/testimonial/paul-m/)
- [Vince Z.](https://www.hzcu.org/testimonial/vince-z/)
- [Kristian C.](https://www.hzcu.org/testimonial/kristian-c/)
- [Eric O.](https://www.hzcu.org/testimonial/eric-o/)
- [T Mort. Testimonial](https://www.hzcu.org/testimonial/t-mort-testimonial/)
- [Emily M.](https://www.hzcu.org/testimonial/emily-m/)
- [Dawn P.](https://www.hzcu.org/testimonial/dawn-p/)
- [Adam Z.](https://www.hzcu.org/testimonial/adam-z/)
- [Bruce C.](https://www.hzcu.org/testimonial/bruce-c/)
- [Dillion L.](https://www.hzcu.org/testimonial/dillion-l/)
- [Erin S.](https://www.hzcu.org/testimonial/erin-s/)
- [LeAnne B.](https://www.hzcu.org/testimonial/leanne-b/)
- [MarieElena C.](https://www.hzcu.org/testimonial/marieelena-c/)
- [Mary N.](https://www.hzcu.org/testimonial/mary-n/)
- [Meridian, ID](https://www.hzcu.org/testimonial/meridian-id/)
- [Mr. CS](https://www.hzcu.org/testimonial/mr-cs/)
- [Robret F.](https://www.hzcu.org/testimonial/robret-f/)
- [Sergiy B.](https://www.hzcu.org/testimonial/sergiy-b/)
- [Steven N.](https://www.hzcu.org/testimonial/steven-n/)