Routing NumberAddressCityState
3281581047PO BOX 554MACONMO
8325182551PO BOX 15128SPOKANEWA
11325182755PO BOX 15128SPOKANEWA
12325182797PO BOX 15128SPOKANEWA

ACH US Routing Number – Horizon Credit Union

When sending or receiving money electronically, banks use identification codes called routing numbers to determine where transfers need to go. For Horizon Credit Union members, understanding the credit union’s routing number is key to utilizing services like direct deposit, online bill pay, and electronic transfers.

In this article, we’ll break down what an ACH routing number is, its purpose, an overview of Horizon Credit Union, and the specific routing number members should use for seamless electronic payments and transfers.

What is an ACH Routing Number?

An ACH routing number is a 9-digit code that identifies financial institutions within the United States. It’s primarily used for electronic transfers and payments through the Automated Clearing House (ACH) network.

Routing numbers enable money to be electronically debited from or credited to accounts. They tell transferring banks where those funds need to go by providing a unique identifier for the receiving institution.


ACH routing numbers follow a specific format:

  • First 4 digits – Also known as the Federal Reserve routing symbol, these first four digits identify the federal reserve bank that holds the financial institution’s master account.
  • Next 4 digits – The ABA institution identifier uniquely identifies the specific financial institution. No two banks will have the same ABA ID number.
  • Last digit – The check digit serves as a validation to ensure the accuracy of the routing number. It’s determined by a special formula based on the other digits.

Purpose of an ACH Routing Number

Routing numbers serve several key purposes:

  • Identifies the Receiving Bank – The ABA ID digits indicate exactly which bank should receive the money. This prevents errors and misdirected transfers.
  • Enables Transfers – Routing numbers allow money to seamlessly move between financial institutions electronically. Without them, electronic payments and transfers would not be possible.
  • Facilitates Direct Deposit – Employers need recipient routing numbers to directly deposit paychecks into employee accounts. The number tells the employer’s bank where to send the funds.
  • Allows Automatic Payments – Billers need customers’ account and routing numbers to deduct payments automatically. Routing numbers direct where the money should be pulled from.
  • Enables Online Banking – Routing numbers allow funds to be transferred digitally between accounts and financial institutions through online banking platforms.

Common Uses

Some of the most common uses of ACH routing numbers include:

  • Direct deposit of paychecks, tax refunds, and government benefits
  • Automatic payment of bills, loans, and subscriptions
  • Electronic tax payments to the IRS and state agencies
  • Online banking transfers between accounts and banks
  • Online marketplace payments like those on PayPal, eBay, Etsy, etc.

Overview of Horizon Credit Union

Before diving into Horizon Credit Union’s specific routing number, let’s look at who Horizon is and who can become a member.

Horizon Credit Union is a not-for-profit financial cooperative based in Spokane, Washington. Originally founded in 1953 as the Spokane Teachers Credit Union, Horizon has since expanded across Eastern Washington and North Idaho.


As a credit union, Horizon has membership eligibility requirements based on location and association:

  • Anyone who lives, works, worships, or attends school in 16 Eastern Washington and 3 Northern Idaho counties
  • Employees of over 800 select employer groups
  • Family members of current Horizon members

To become a member, simply open a savings account with an initial $5 deposit. Member benefits include competitive rates, lower fees, and personalized service.

Horizon Credit Union’s Routing Number

Horizon Credit Union’s routing number is 325272786 is an example (see table above for accurate ACH Routing Number)

This 9-digit number correctly identifies Horizon for the purpose of directing ACH transfers and electronic payments.

When providing account information for direct deposits, automatic payments, or other electronic transfers, Horizon members should use:

  • Routing Number: 325272786 is an example (see table above for accurate ACH Routing Number)
  • Account Number: The account number found on checks or statements

This routing number has been validated using the Federal Reserve’s ABA routing number database as belonging to Horizon Credit Union headquartered in Spokane, WA.

Using Horizon’s Routing Number

As a Horizon member, you’ll need to provide the credit union’s routing number for:

  • Direct Deposit – Provide the routing number and account number to employers or benefit providers like Social Security to have funds deposited directly into your Horizon account.
  • Online Bill Pay – Input Horizon’s routing number when setting up automatic bill payments or sending one-time online transfers.
  • Electronic Transfers – Use the routing number when transferring funds electronically through Horizon’s online banking, mobile app, or third-party transfer services.

Having Horizon’s correct routing number enables seamless movement of funds into and out of your accounts digitally.


  • ACH routing numbers are essential for facilitating electronic financial transactions like direct deposits, online bill payments, and transfers between accounts.
  • Horizon Credit Union’s routing number – 325182755 – identifies the institution for money transfers.
  • Members should provide Horizon’s name, account number, and routing number when setting up payments and transfers to or from their accounts.
  • Routing numbers enable convenient services that allow money to move digitally without physical checks, saving time and hassle.


What is Horizon Credit Union’s swift code?

Horizon Credit Union’s SWIFT code is TKTTUS66. This 8-11 character code identifies Horizon in international money transfers.

How do I sign up for an account at Horizon Credit Union?

You can join Horizon Credit Union by visiting a branch and opening a savings account with as little as $5. You’ll need to show proof of eligibility. Benefits include higher interest rates on accounts, lower loan rates, and minimal fees.

Can I use Horizon Credit Union’s routing number at other banks?

No, Horizon’s 325182755 routing number will only work for transfers into and out of Horizon accounts. Other banks have their own unique routing numbers.

Does the routing number change?

No, routing numbers are designed to remain the same over many decades. Horizon Credit Union’s 325182755 number will not change and can always be used for Horizon transactions.

Is there a fee to use Horizon’s routing number?

No, there are no fees or charges to use Horizon Credit Union’s routing number for transactions like direct deposits, transfers, or online payments from Horizon accounts. However, other banks may charge fees.

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