The Horizon Credit Union All Credit Levels is a cdfi lender from Horizon Credit Union. The ongoing APR is 7.9%. Rewards: Free financial counseling with no strings attached.. This product reports activity to your personal credit report. Horizon Credit Union is a Tennessee-chartered credit union located in Kingsport, TN, offering a range of financial services including personal loans, home equity loans, and credit cards. They provide free financial counseling to help members budget and build credit, aiming to empower individuals in their financial journeys. Services include: personal loans, home equity loans, auto loans, mortgages. US Treasury certified CDFI Credit Union in Kingsport, TN. Membership required.