Horizon Credit Union, located at 201 N Mullan Rd, Spokane, WA 99206, is a member-owned financial cooperative that operates as a not-for-profit institution dedicated to serving its members. Founded to provide affordable financial services, such organizations typically emphasize community-oriented goals, member participation, and democratic governance, with each member holding a vote in annual meetings and on major organizational decisions. The credit union structure distinguishes it from traditional banks by reinvesting surplus earnings back into member services and reducing operating costs to benefit its membership.
Historically, credit unions emerged to meet the financial needs of local communities, workers, and specific groups, evolving through regulatory changes and industry consolidation. Horizon Credit Union engages in standard financial activities associated with credit unions, including deposit taking, loan origination, and payment services, while maintaining member-focused policies and pricing. Its operations generally span daily retail banking, member service support, and outreach activities aimed at improving financial access and literacy within the communities it serves, consistent with cooperative financial principles.
Better than 59% of providers in Spokane
In addition to the primary service, Horizon Credit Union also offers:
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Horizon Credit Union is a verified financial service provider. This means we have confirmed their business information, contact details, and they have received customer reviews. You can trust this provider for your financial needs.
Find answers to common questions
Horizon Credit Union is listed as a financial service provider in Spokane, WA and must follow both state and federal regulations that apply to this type of business. As with any financial provider, you should review the agreement carefully before signing, make sure you understand all fees and repayment terms, and only use official contact details from this page or the company's own website. Avoid sharing personal or payment information with anyone who contacts you unexpectedly and, if something seems unclear, ask Horizon Credit Union to explain the terms in writing before you proceed.
To improve your chances of getting better terms from Horizon Credit Union, be prepared with accurate information about your income, existing debts, and the amount you really need to borrow. If possible, check your credit history in advance, avoid late payments on other accounts, and consider offering collateral if the product allows it, as stronger overall finances can help you qualify for more favorable rates or fees. It's also a good idea to compare Horizon Credit Union with other providers in Spokane and to ask directly about any current promotions, loyalty benefits, or ways to reduce the total cost of your loan.
Horizon Credit Union has a rating of 4.2, which is better than 59% of providers in Spokane.
Requirements can vary by product, but for most visits you should be ready to bring a valid government-issued ID, proof of income (such as recent pay stubs or bank statements), and proof of address like a utility bill or lease. If you are applying for a title or secured loan, you may also need the vehicle title, registration, and insurance details, along with any other documents Horizon Credit Union requests. It is always best to call ahead using the phone number on this page so Horizon Credit Union can confirm exactly which documents you need for your specific situation.
In addition to its primary service, Horizon Credit Union also offers: Credit union, ATM, Bank, Car finance and loan company, Financial institution.