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P.O. Box 2650
Largo, FL 33779

Achieva Credit Union is headquartered in Largo and is the 14st largest credit union in the state of Florida. It is also the 209th largest credit union in the nation. It was established in 1937 and as of December of 2013, it had grown to 245 employees and 112,681 members. Achieva Credit Union has a A health rating.

Field of Membership Restrictions

Eligibility for membership is open to individuals, trusts, associations, organizations and legal entities who live or work in Pinellas, Pasco, Hernando, Manatee, Charlotte, Sarasota and Hillsborough Counties, excluding individuals and entities who live or work in zip codes 33565, 33566 and 33567. - See Details

Reviews (8)

Achieva Credit Union

I have been a member of Achieva for over 15 years. In the last few years, their service has gone down hill. No response to complaints and total arrogance towards customers has left me in a positon to remove almost all funds and only keep open a small auto loan.

The final straw was their implementation of a $.25 charge on all debit transactions where you use your PIN number.

I stopped carrying cash probably 5 to 6 years ago and used my debit card exclusively. with this fee, the charges add up quick.

I have switch all accounts over to Wachovia.

Member Since 1998

Achieva has joined the ranks of the financial institutions that have total disregard for the wage-earner.  Last year while unemployed I was still able to pay most of my credit obligations, including the one owed to Achieva.  I was working on a work-out plan with my mortgage holder, who, of course, reported that I was behind on my mortgage resulting in a crashed credit score.  Even though all my other credit obligations reported that I was paying as agreed -- and never missing a payment to Achieva -- Achieva closed my credit account.  This was immediately after I refused to allow them to grant me the "benefit" of automatically overdrawing my checking account with debit-card purchases.  The twenty-five cent charge for debit purchases is a bogus fee.  Achieva recieves a fee from the vendor for every debit-card transaction they process.  Are they in good financial shape?  You betcha!  Like every other thieving financial institution, they are balancing their books on the backs of those who can least afford it.  I'd give them a negative star rating if I could.


I had been with SCCU for approx 15 years , they were taken over by Achieva ( a buyout) when  my income dropped ,like so many others and my house was over mortgaged and some health issues put me behind the best they would do in the way of a modifacation was to drop my payments for one year. The people working ther are also some of the rudest you will ever talk to, as one put it when we were discussing my mortgage , WELL GET ANOTHER JOB, what a bunch of self absorbed no good bastards. I'm sure that they got my loan from SCCU at a deep discount but will not work with you to create an agreement to help. Feels more like extortion than anything else, pay us or else,your credit everything will be ruined, as they said to me ,why should we lower your principle? Pure banking pieces of shit if there ever were.  I'm sure that I'll end up losing everything and ending up in bankruptcy . THANKS ACHIEVA. I wouldn't put  a dime in these bastards credit union. Do your homework,.

The Best Bank/Credit Union Out There

I was absoulutely fed up with my bank (Regions) and decided to join Achieva. I went in, and spoke to them and they were wonderful. They approved my loan requests (which Regions did not) and set up my accounts exactly the way I wanted them. .25 cent debit? Who cares, just run it as a credit card, no fee.

Very easy to deal with and highly recommended.

No Reason For This

There seems to be an issue with getting money out of my acount they called several times to make sure it was me making the charges getting stupid.  The last straw was I had a zero balance on my charge card went to get my vehicle from maintenace and they rejected my card.  heres what I think of them.

in•ept (?n'?pt, ?'n?pt)


1. lacking skill or aptitude, esp. for a particular task; maladroit.  

2. generally awkward or incompetent.

You Call This Customer Service?

I joined some 20+ years ago when it was Pinellas County Teachers Union. Things sure have changed and not for the better. A 25 cent pin fee? What the hell is that? As a small business owner, I pay a fee every time you use your card in my establishment, that is double dipping! I have called corporate, Andrea Gregor at 727 431-7352, when trying to get information about some paperwork. I've never received a return call! The manager at the Dunedin branch is dumber than a box of rocks and soooo rude to boot! Maybe that's okay in your native country but that won't fly here. I would give a negative "star rating" if it were possible!!

YUCK!!! Go Elsewhere To Get Better Banking Services

Achieva CU is extremely unprofessional, charge excess fees on overdraft when monies were placed in to bring account balance to positive. BEWARE!!! Achieva Credit Union will steal your hard earned money, BEWARE!!! This is done multiple times, this is how they make their money and will throw you under financially in an already tough economy if you're not prepared!!! They will make sure that when you put money in your account, they FIRST put the charges through THEN they will apply your credits in order to literally charge you a $34.00 fee on EACH transaction before applying your credits. They will do this over and over and claim "it's your fault not the credit unions". I have seen as many as up to 20+ overdraft charges on an account before they finally will apply your credit to stop the charge overdrafts. This is terrible business and it's no wonder they are growing so fast! Back a few years ago, they were a very good financial institution to have and I have recommended a very large amount of friends and family to them. Since they have been treating me this way, I have since been told by many friends and family that they have now switched back to traditinoal banks that do not treat their "members" this way. Do your homework before opening an account with them if you value your hard earned money...they will steal it! Kelly, Operator Number d16 is whom I warned about this review over the phone, but she apparently called me incorrect bluff. Good Job Kelly, you're an assett to Achieva, i'm sure of it! We have several accounts with them and are taking them all elsewhere, good luck, we recommend a local small bank, and not one that has their eyes on becoming big (stealing in order to get there). Here is their unprofessional response, which they did NO research on the account before running their mouth as this incident over the weekend was the first on the account: Control your spending habits AUTHOR: coast - () SUBMITTED: Tuesday, December 03, 2013 “This is done multiple times... they FIRST put the charges through THEN they will apply your credits in order to literally charge you a $34.00 fee on EACH transaction before applying your credits” Your account went into overdraft mode because you authorized debits and withdrawals against unavailable funds. If funds are available when debits and withdrawals are authorized, an account will not overdraft regardless of what order the transactions are processed. “I have seen as many as up to 20+ overdraft charges on an account before they finally will apply your credit to stop the charge overdrafts.” You are a habitual offender. You need to get your spending habits under control. DOES THIS SOUND LIKE AN ACTUAL PROFESSIONAL RESPONDING TO AN UPSET CUSTOMER????????? This person needs to be terminated and used as an example of what NOT to do in order to de-escalate a banking customer that has been with them for over a decade and a half!!! WOW!!!!

Achieva treats their customers that they had for over a decade (sorry, previously pinellas county teachers credit union)...(usually you treat them with a little more care). The fact that it even comes down to this is appauling.

Less Than 1% Auto Fiancing On Approved Credit?

25 cent charge on debit fees? Just punch it as credit and you don't get charged, found nothing wrong about this company and offers good customer service. I don't understand why people post bad things about a fee that can be waived just by running the debit card under credit.

Best credit union is probably Alliant credit union, but Achieva is local and I like talking to a local credit union, and it's still 100,000 times better than Bank of America BY FAR! I'll be opening an Alliant account soon, but having a local one isn't a bad idea as well.


Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Achieva Credit Union had $5.35 million in non-current loans and owned real-estate with $112.22 million in equity and loan loss allowances on hand to cover it. This gives Achieva Credit Union a Texas Ratio of 4.76% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Achieva Credit Union decreased slightly from 6.64% as of December 31, 2012 to 4.76% as of December 31, 2013, resulting in a positive change of 28.29%.This indicates that the balance sheet and financial strength for Achieva Credit Union has improved slightly in recent periods.

Deposit Growth


In the past year, Achieva Credit Union has increased its total deposits by $8.89 million, resulting in 1.01% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Achieva Credit Union has shown is above average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Achieva Credit Union has $1.01 billion in assets with $112.22 million in equity, resulting in a capitalization level of 11.16%, which is excellent.

Institution Statistics

NCUA #60087
Year Chartered1937
Primary Regulator
Assets and Liabilities
Assets$1.01 billion
Loans$695.97 million
Deposits$886.28 million
Equity Capital$106.44 million
Loan Loss Allowance$5.78 million
Unbacked Noncurrent Loans$5.00 million
Real Estate Owned$344,000
Historic Data - December 2012
Assets$986.85 million
Equity Capital$98.52 million
Loan Loss Allowance$6.47 million
Unbacked Noncurrent Loans$5.00 million
Real Estate Owned$835,000
Profit Margin - Quarterly
Net Interest Margin4.29%
Return on Assets0.88%
Return on Equity8.34%
Interest Income$35.45 million

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Achieva Credit Union Savings Account Rates

0.30%$50k-CESA Savings
0.30%$50k-IRA Savings
0.30%$50k-Roth IRA Savings
0.10%--Kids Make Cents
0.10%--Savings II
0.10%--Simply Savings
0.10%--PAL Savings
0.10%--Summer Savings
0.10%--Holiday Savings
0.10%--HSA Savings

Achieva Credit Union Money Market Rates

0.25%$50k-Premier MMA

Achieva Credit Union Checking Account Rates

0.50%-$25kEmerald Checking
0.00%--Emerald Checking
0.00%$1k-Interest Checking

Achieva Credit Union CD Rates

1.90%$500-60 Month CD
1.60%$500-48 Month CD
1.40%$500-36 Month CD
1.00%$500-24 Month CD
0.85%$75k-12 Month HSA CD Plus
0.75%$500-18 Month CD
0.65%$500-12 Month HSA CD
0.60%$500-12 Month CD
0.50%$75k-6 Month HSA CD Plus
0.30%$500-6 Month CD
0.30%$500-6 Month HSA CD

Achieva Credit Union IRA Rates

1.60%$75k-60 Month IRA Plus (Traditional,Roth,CESA)
1.40%$500-60 Month IRA (Traditional,Roth,CESA)
1.20%$75k-48 Month IRA Plus (Traditional,Roth,CESA)
1.00%$500-48 Month IRA (Traditional,Roth,CESA)
0.95%$75k-36 Month IRA Plus (Traditional,Roth,CESA)
0.75%$500-36 Month IRA (Traditional,Roth,CESA)
0.70%$75k-24 Month IRA Plus (Traditional,Roth,CESA)
0.55%$75k-18 Month IRA Plus (Traditional,Roth,CESA)
0.50%$75k-12 Month IRA Plus (Traditional,Roth,CESA)
0.50%$500-24 Month IRA (Traditional,Roth,CESA)
0.45%$75k-6 Month IRA Plus (Traditional,Roth,CESA)
0.35%$500-18 Month IRA (Traditional,Roth,CESA)
0.30%$500-12 Month IRA (Traditional,Roth,CESA)
0.25%$500-6 Month IRA (Traditional,Roth,CESA)

Achieva Credit Union has 16 locations. Click to view all Achieva Credit Union locations.