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Pacific Horizon Credit Union Share
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Overview Share
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Pacific Horizon Credit Union is a federally insured state credit union based in Springville, Utah. It has been opened since 1954, for 68 years.

With around $68,660,000 in assets, Pacific Horizon Credit Union is considered to be a large credit union. It has 3 branches and 3 ATM locations.

About Share
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Address 96 E. Center Street
Springville, Utah 84663
Website http://www.pacifichorizoncu.com
Phone (801) 489-3605
Fax (801) 489-4520
CEO Steve Clayson
President of the Board Dale Lee
Services Offered
Score Card Share
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68 years
Years in business
Opened in 1954
Well Capitalized
Net worth classification
Source: NCUA
7,528 members
Membership type: State chartered natural person credit union
Above average number of members
538:1
Credit union member to staff ratio
538 per each FTE employee
Compared to 411:1 nationally
Less staff than other credit unions
$68,659,092
Total assets
Above average
3 branches
Compared with an average of 4 nationally and 6 in Utah
Above average number of branches
0.25%
Savings interest rate
Compared to 0.3% nationally
13.86%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
Branches Share
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3 branches
Compared with an average of 4 nationally and 6 in Utah
Above average number of branches
Pacific Horizon Credit Union Branch Locations

Pacific Horizon Credit Union: Payson Branch
742 Highway 198
Payson, Utah 84651
ATM Available
Pacific Horizon Credit Union: Springville Branch
96 E. Center Street
Springville, Utah 84663
ATM Available
Pacific Horizon Credit Union: Spanish Fork Branch
375 E. 300 S.
Spanish Fork, Utah 84660
ATM Available
Members Share
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7,528 members
Membership type: State chartered natural person credit union
Above average number of members

With 7,528 members, the Pacific Horizon Credit Union is considered to be a large credit union. It is larger than 65% of credit unions.

Fees Share
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$110
Average fee per member
The average fee per member at the Pacific Horizon Credit Union is $110, which is very high compared to most credit unions. This rate is higher than 88% of all credit unions.
Fees are higher than average

Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the Pacific Horizon Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff Share
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538:1
Credit union member to staff ratio
538 per each FTE employee
Compared to 411:1 nationally
Less staff than other credit unions
14 staff members
FTE (full-time equivalent)
44% of employees are part-time
10 full-time, 8 part-time

Pacific Horizon Credit Union has 10 full-time staff members and 8 part-time staff members. The staff is comprised of part-time and full-time staff, with part-time staff approximately 44% of the workforce.

The number of members relative to staff members is an indication of how well staffed the credit union is. Pacific Horizon Credit Union has around 538 members per staff, a high ratio compared to other credit unions.

Assets Share
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$68,659,092
Total assets
Above average
Net worth Share
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Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
10.3%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases Share
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$13,044
Average loan and lease size
Loan & lease sizes are bigger than average. They are bigger than at 71% of credit unions.

Pacific Horizon Credit Union holds a total of $60,830,000 in loans and leases, which is about $13,044 per member on average.

Savings interest rate Share
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0.25%
Savings interest rate
Compared to 0.3% nationally

A credit union share account is an account at a credit union. It's called a share account because the credit union is member owned and as a result, members own shares in the credit union.

A share savings account pays you interest on your savings, similar to a savings account at a bank. The interest you receive can vary. Pacific Horizon Credit Union pays 0.25%.

Loan rates Share
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13.86%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
13.28%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
5.54%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates Share
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4.17%
New car loan rate
Compared to 4.0% nationally
5.07%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates Share
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5.12%
Mortgage rate (secured by junior lien)
Compared to 3.4% nationally
4.30%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally

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Pacific Horizon Credit Union: Springville Branch ATM
Credit Union ATM: 96 E. Center Street
Springville, Utah 84663
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Service Credit Union Routing Number
Resource: Service Credit Union Routing Number Service Credit Union is a credit union based in Portsmouth, New Hampshire. Service Credit Union’s US routing number is 211489656.
Pacific Horizon Credit Union: Payson Branch
Credit Union Branch: 742 Highway 198
Payson, Utah 84651 ATM Available
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Pacific Horizon Credit Union: Springville Branch
Credit Union Branch: 96 E. Center Street
Springville, Utah 84663 ATM Available
Pacific Horizon Credit Union
Credit Union: Well Capitalized Springville, Utah 7528.0 $69 million Well Capitalized
Pacific Horizon Credit Union: Payson Branch ATM
Credit Union ATM: 742 Highway 198
Payson, Utah 84651
Pacific Horizon Credit Union: Spanish Fork Branch
Credit Union Branch: 375 E. 300 S.
Spanish Fork, Utah 84660 ATM Available
Pacific Horizon Credit Union: Spanish Fork Branch ATM
Credit Union ATM: 375 E. 300 S.
Spanish Fork, Utah 84660