At a glance
From its website, read 2 Nov 2026Horizon Credit Union is a credit union based in Kingsport, Tennessee. Its website describes auto loans and home mortgages. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Main | (423) 530-7778 source |
|---|---|
| Phone | (423) 229-9463 source |
| Apply online | Page with the application link |
| Website | www.myhorizoncu.org |
| Office (official list) | 1201 N Eastman Rd, Kingsport, TN 37664 |
What their website says about applying
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 1 Jul 2026 |
| RSSD ID | 400299 |
| Address | 1201 N Eastman Rd, Kingsport, TN 37664 Directions (Google Maps) |
| Website | www.myhorizoncu.org |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 2 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. Auto and mortgage loan detail pages were not among the pages fetched, and no loan amounts or service area are stated. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Auto / vehicle loans | — | Auto / Vehicle Loans | source |
| Home mortgages | — | a home equity loan or Horizon HELOC may just be a phone call away | source |
Loan sizes
No amounts stated on the pages we read.
Service area
Not stated on the pages we read.
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. Click To Apply Online
source
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - How do I become a member, and is there a fee or a minimum deposit?
Credit unions lend only to their members. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your auto loans and home mortgages?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - How long can I take to repay?
No repayment terms are stated on their website. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$1.8 million in 1 award from the U.S. Treasury's CDFI Fund, 2021 (CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2021 | CDFI Rapid Response Program | $1,826,265 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
NCUA, 30 Jun 2026On file with the NCUA as HORIZON (charter 68138). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.
| Total assets | $60.2 million (as of 30 Jun 2026) |
|---|---|
| Members | 4,083 (as of 30 Jun 2026) |
| Offices | 3 (as of 30 Jun 2026) |
Offices by state and county (3)
Tennessee (3 offices)
- Hawkins County (2): 600 Afg Rd, Church Hill 37642; 130 Main St W, Mt Carmel 37645
- Sullivan County (1): 1201 N Eastman Rd, Kingsport 37664 (main office)
An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).
What the regulator filing shows
NCUA 5300, 30 Jun 2026Figures from the 5300 Call Report filed by Horizon Credit Union (NCUA charter 68138, filed as “HORIZON”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.
| Total loans and leases | $43.2 million, 1,920 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Up 6.5% from $40.5 million on 30 Jun 2025 |
| Members | 4,083 (as of 30 Jun 2026); 4,173 (as of 30 Jun 2025) |
| Loans per member | $10,576 (total loans divided by members, 30 Jun 2026) |
| Total assets | $60.2 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $2.2 million | 5.1% |
| Used vehicle loans | $6.9 million | 15.9% |
| First-lien home mortgages (1-4 family) | $24 million | 55.5% |
| Other real estate loans (junior liens, other) | $6.3 million | 14.6% |
| Credit cards | $678,905 | 1.6% |
| Other unsecured loans | $1.1 million | 2.5% |
| Leases and other secured loans | $2 million | 4.7% |
None reported on the 30 Jun 2026 report: commercial (business) loans.
Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.
Home loans reported under HMDA (2025)
FFIEC HMDA data, 2025Horizon Credit Union reported 9 originated home loans for 2025 under the Home Mortgage Disclosure Act, totaling about $1.6M (median loan about $155,000). 5 were home-purchase loans.
By loan purpose
| Purpose | Loans | Share |
|---|---|---|
| Home purchase | 5 | 56% |
By loan type
| Loan type | Loans | Share |
|---|---|---|
| Conventional | 9 | 100% |
Included above: 3 loans on manufactured homes.
Where the loans were made
Counties with the most 2025 originations, out of 4 counties with at least one; 78% of its 2025 loans were for properties in Tennessee:
- Hawkins County, TN (5)
Filed under LEI 5493008HXD04SBQ82S85 as “Horizon Credit Union”; matched by its RSSD ID on the CDFI Fund list, which the HMDA reporter panel links to this LEI.
Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $60.2 million | Larger than 9% of the 11 other certified credit unions in Tennessee (median $182.8 million). |
| Loans as a share of assets | 72% | Median of the same 11 credit unions: 78%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $40.5 million → $43.2 million (+7%) | Median change of 11 other certified credit unions in Tennessee: +7%. Rank by loans held among these 12: 11 → 11. |
| Home loans originated in 2025 (HMDA) | 9 | More than 1% of the 263 other certified CDFIs that reported 3 or more (120 at the median). Volume only; nothing here is an approval rate. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified credit unions in Tennessee | 11 | larger than 9% |
| Loans held then vs now | certified credit unions in Tennessee reporting both dates | 11 | rank 11 → 11 of 12 |
| HMDA home loans | certified CDFIs with 3+ originations in 2025, nationwide | 263 | more than 1% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section). Home loans: FFIEC/CFPB HMDA data.
Other certified CDFIs in Kingsport and Tennessee
- APPALACHIAN COMMUNITY FCUCredit union · Kingsport, TNOfficial list only
- Affordable Housing Resources, Inc.Loan fund · Nashville, TNHome mortgagesVerified
- BetterFiLoan fund · Chattanooga, TNCredit-builder loans, Small-dollar / emergency loans, Personal / consumer loans, Small-business loansVerified
- Carroll Bank and TrustBank or thrift · Huntingdon, TNAgriculture / farm loans, Auto / vehicle loans, Commercial real estate loans, Equipment loans…Verified
- Centennial BankBank or thrift · Trezevant, TNAgriculture / farm loans, Auto / vehicle loans, Commercial real estate loans, Equipment loans…Verified
- Citizens Savings Bank and Trust CompanyBank or thrift · Nashville, TNCommercial real estate loans, Home mortgages, Personal / consumer loans, Small-business loansVerified
Work at Horizon Credit Union? Link to this page
Paste this into your website to show you are listed. If anything here is wrong, tell us first (how).
Something wrong or out of date on this page? Use the contact page or email contact@cdfiatlas.com and name the page.
CDFI Atlas is not a lender and does not give financial advice. Inclusion is not an endorsement, and lenders have not reviewed or approved these pages. Disclaimer.