# Horizon Credit Union (Washington) CD and share certificate rates

As of October 22, 2026, Horizon Credit Union (Washington)'s highest tracked CD (share certificate) rate is 4.38% APY on a 12-month CD ($1,000 minimum). That is 2.5 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 3.30% to 4.38% APY.

Canonical page: https://apyledger.com/cd-rates/horizon-credit-union-washington
Institution: Horizon Credit Union (NCUA 67264)
Aliases: 
Status: live
Last verified: 2026-10-23T01:41:50.000Z (October 22, 2026)
Official source: https://www.hzcu.org/rates/
Coverage: Membership required. Standard personal certificates only, including the 12-month student certificate and separately quoted balance tiers. Most terms require $1,000; the 90-day and 6-month terms require $2,500, and the student certificate $250. Promotional and IRA certificates are excluded. Early withdrawal penalties apply.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 90 Day | standard | 90 days | $2,500 | 3.40% | Not ZIP-priced | −0.89% | 2026-10-23T01:41:50.000Z | [Snapshot 617](https://apyledger.com/snapshots/617) |
| 90 Day | standard | 90 days | $25,000 | 3.40% | Not ZIP-priced | −0.89% | 2026-10-23T01:41:50.000Z | [Snapshot 617](https://apyledger.com/snapshots/617) |
| 90 Day | standard | 90 days | $100,000 | 3.40% | Not ZIP-priced | −0.89% | 2026-10-23T01:41:50.000Z | [Snapshot 617](https://apyledger.com/snapshots/617) |
| 6 Month | standard | 6 months | $2,500 | 3.30% | Not ZIP-priced | −1.10% | 2026-10-23T01:41:50.000Z | [Snapshot 617](https://apyledger.com/snapshots/617) |
| 6 Month | standard | 6 months | $25,000 | 3.30% | Not ZIP-priced | −1.10% | 2026-10-23T01:41:50.000Z | [Snapshot 617](https://apyledger.com/snapshots/617) |
| 6 Month | standard | 6 months | $100,000 | 3.30% | Not ZIP-priced | −1.10% | 2026-10-23T01:41:50.000Z | [Snapshot 617](https://apyledger.com/snapshots/617) |
| 12 Month | standard | 12 months | $1,000 | 4.38% | Not ZIP-priced | −0.19% | 2026-10-23T01:41:50.000Z | [Snapshot 617](https://apyledger.com/snapshots/617) |
| 12 Month | standard | 12 months | $25,000 | 4.38% | Not ZIP-priced | −0.19% | 2026-10-23T01:41:50.000Z | [Snapshot 617](https://apyledger.com/snapshots/617) |
| 12 Month | standard | 12 months | $100,000 | 4.38% | Not ZIP-priced | −0.19% | 2026-10-23T01:41:50.000Z | [Snapshot 617](https://apyledger.com/snapshots/617) |
| 12 Month Student\* | special | 12 months | $250 | 2.78% | Not ZIP-priced | −1.79% | 2026-10-23T01:41:50.000Z | [Snapshot 617](https://apyledger.com/snapshots/617) |
| 24 Month | standard | 24 months | $1,000 | 3.61% | Not ZIP-priced | −1.26% | 2026-10-23T01:41:50.000Z | [Snapshot 617](https://apyledger.com/snapshots/617) |
| 24 Month | standard | 24 months | $25,000 | 3.61% | Not ZIP-priced | −1.26% | 2026-10-23T01:41:50.000Z | [Snapshot 617](https://apyledger.com/snapshots/617) |
| 24 Month | standard | 24 months | $100,000 | 3.61% | Not ZIP-priced | −1.26% | 2026-10-23T01:41:50.000Z | [Snapshot 617](https://apyledger.com/snapshots/617) |
| 36 Month | standard | 36 months | $1,000 | 3.61% | Not ZIP-priced | −1.34% | 2026-10-23T01:41:50.000Z | [Snapshot 617](https://apyledger.com/snapshots/617) |
| 36 Month | standard | 36 months | $25,000 | 3.61% | Not ZIP-priced | −1.34% | 2026-10-23T01:41:50.000Z | [Snapshot 617](https://apyledger.com/snapshots/617) |
| 36 Month | standard | 36 months | $100,000 | 3.61% | Not ZIP-priced | −1.34% | 2026-10-23T01:41:50.000Z | [Snapshot 617](https://apyledger.com/snapshots/617) |
| 48 Month | standard | 48 months | $1,000 | 3.45% | Not ZIP-priced | −1.53% | 2026-10-23T01:41:50.000Z | [Snapshot 617](https://apyledger.com/snapshots/617) |
| 48 Month | standard | 48 months | $25,000 | 3.45% | Not ZIP-priced | −1.53% | 2026-10-23T01:41:50.000Z | [Snapshot 617](https://apyledger.com/snapshots/617) |
| 48 Month | standard | 48 months | $100,000 | 3.45% | Not ZIP-priced | −1.53% | 2026-10-23T01:41:50.000Z | [Snapshot 617](https://apyledger.com/snapshots/617) |
| 60 Month | standard | 60 months | $1,000 | 3.55% | Not ZIP-priced | −1.46% | 2026-10-23T01:41:50.000Z | [Snapshot 617](https://apyledger.com/snapshots/617) |
| 60 Month | standard | 60 months | $25,000 | 3.55% | Not ZIP-priced | −1.46% | 2026-10-23T01:41:50.000Z | [Snapshot 617](https://apyledger.com/snapshots/617) |
| 60 Month | standard | 60 months | $100,000 | 3.55% | Not ZIP-priced | −1.46% | 2026-10-23T01:41:50.000Z | [Snapshot 617](https://apyledger.com/snapshots/617) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.