Savings Accounts

Home » Personal Accounts » Savings

Lay the Foundation for Your Financial Journey

Whether you’re a seasoned saver or starting off on your first savings adventure, Horizon is ready to help you reach your dreams with our savings accounts.

When combined with our powerful online tools, you’ll have the foundation to build sturdy savings and create strong financial habits!

Save today, thank yourself tomorrow!

With our savings accounts, you get: 

Available Savings Accounts

Value SharesExplorer SharesTetherOverdraft SharesInsurance Plus Shares
Minimum Opening Balance$5$5$5$5$5
Minimum Monthly Balance to Earn Dividends$250$5$50
with bonus dividends when all qualifiers are met
Age Requirements18 and over0-1818 and over18 and over, or 16 when opened jointly with parent18 and over
Bonus Rate OfferedNoNoNoNoNo
Transaction LimitationNoneNoneNoneMust keep $5 minimum balanceNone
Excess Share InsuranceNoNoNoNoYes
*OAC. APY = Annual Percentage Yield. Requirements to earn stated APY = must open both the Tether savings and Tether checking account, agree to receive online statements, maintain a minimum balance of $50 in Tether Savings and make minimum deposit of $50 to the Tether savings each month from Tether checking. Stated APY paid on balances up to $15,000 in the Tether savings account. 

The rates and terms shown are effective as of November 20, 2023.  View the Common Fees disclosure here.
Rates subject to change. For the most current rates available contact us at 800.852.5316.

Explore our Savings Account Types


A basic savings account that earns easy monthly dividends! Have as many Value shares accounts as you like to budget and save wisely. 


Bundle your checking and savings together and get up to 3.03% APY* on your savings!


Link to a checking account and get peace of mind knowing you’re covered – plus dividends on balances over $500! 


Help your young ones learn how to start saving and managing their finances. Earn dividends right away with only $5! 

Insurance Plus Savings 

You’ll receive Excess Share Insurance on balances up to $250,000, in addition to the $250,000 provided by NCUA.  

Overdraft Protection

We believe every member deserves some consideration rather than automatically tacking on hefty fees. That is why we offer our members Overdraft Privilege and other overdraft protection options! 

Teller Express

Access your accounts and loans 24 hours a day, 7 days a week with Horizon’s Teller Express! Just by using your phone, you have the power to access your accounts easily anywhere, at any time. Check balances, make deposits / withdrawals, transfer money between accounts, make a loan payment and more! 

Reach out to us for a Teller Express PIN number and start using Teller Express today!