WATCH YOUR SAVINGS REACH NEW HEIGHTS EARN UP TO 1.26% HZCU.ORG/MMA ESi HORZON CREDIT UNION EXCESS SHARE INSURANCE Your Path. Our Purpose. APY Annual Percentage Yield. Rates accurate as of 10/5/2018 and are subject to change. Minimum balance of $250,000 to receive stated APY. Fees may reduce earnings on the account. Membership fee and restrictions may apply.