Financial Horizons Credit Union

Savings & Certificates

Financial Horizons Credit Union offers a full range of Share (savings) Accounts and Share Certificates. Because our members are actually owners of Financial Horizons Credit Union, savings accounts are called Share Accounts, and the earnings on Share Accounts are called dividends. All Share Accounts and Share Certificates at Financial Horizons Credit Union are insured by American Share Insurance and provide high earnings and the confidence of knowing your funds are safe and secure.

Our Regular Share Account establishes membership of a share in Financial Horizons Credit Union. The minimum balance requirement is $25.00. Dividend rates are tiered and determined by account balance. Dividends are paid on the last day of each month and are paid from date of deposit to date of withdrawal on balances greater than $25.00. Accounts closed during the month do not receive dividends.

Youth Share Accounts are for younger members under age 18 years old. The minimum balance requirement is $5.00. There is no monthly service fee and dividends are paid on the last day of each month and are paid from date of deposit to date of withdrawal. Accounts closed during the month do not receive dividends.

Horizons High Yield Savings Account is a tiered account for members looking for an higher return on their deposits. Although this is a savings account members have unlimited over the counter access to their deposits and up to (6) automated withdrawals monthly. The minimum required deposit is $10,000.00, and an active Checking account Dividends are paid on daily balances when the balance is greater than $10,000.00. Dividends are paid on the last day of each month. Accounts closed during the month do not receive dividends.

Share Certificate Accounts are higher yielding with preset rates and maturity dates. Interest is compounded daily and dividends can be paid monthly or compounded monthly and paid at maturity. Minimum deposit is $1,000 with terms available from 3 to 60 months, Share Certificates loans are available.

Triple Option Share Certificates give you the flexibility you need. This unique Share Certificate allows you to make deposits, a one time withdrawal* and even adjust your rate one time. Minimum balance requirement is $2,500 with terms available from 24 to 60 months. Interest is compounded daily and dividends can be paid monthly or compounded monthly and paid at maturity.

*Optional one time withdrawal permitted not to exceed 1/2 of the original deposit

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