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1659 Virginia St
Dunedin, FL 34698-7405

Achieva Credit Union is headquartered in Dunedin 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 March of 2014, it had grown to 256 employees and 115,151 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

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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.

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.

Achieva is A OK!

We financed our last vehicle through Achieva Credit Union. I found their self service desks very easy and quick to use. At the same time, when I needed a live person to assist me, getting to one was equally as quick and easy. We are getting ready to purchase a new vehicle. I will absolutely make Achieva my first stop when I shop for getting the best possible rate.



Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Achieva Credit Union had $4.54 million in non-current loans and owned real-estate with $115.62 million in equity and loan loss allowances on hand to cover it. This gives Achieva Credit Union a Texas Ratio of 3.92% 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 dramatically from 6.36% as of March 31, 2013 to 3.92% as of March 31, 2014, resulting in a positive change of 38.34%.This indicates that the balance sheet and financial strength for Achieva Credit Union has improved dramatically in recent periods.

Deposit Growth


In the past year, Achieva Credit Union has increased its total deposits by $494,000, resulting in 0.05% 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 $1.03 billion in assets with $115.62 million in equity, resulting in a capitalization level of 11.25%, which is excellent.

Institution Statistics

NCUA #60087
Year Chartered1937
Primary Regulator
Assets and Liabilities
Assets$1.03 billion
Loans$722.05 million
Deposits$904.14 million
Equity Capital$110.12 million
Loan Loss Allowance$5.51 million
Unbacked Noncurrent Loans$3.84 million
Real Estate Owned$700,000
Historic Data - March 2013
Assets$1.02 billion
Equity Capital$101.27 million
Loan Loss Allowance$5.94 million
Unbacked Noncurrent Loans$3.84 million
Real Estate Owned$565,000
Profit Margin - Quarterly
Net Interest Margin1.15%
Return on Assets1.27%
Return on Equity11.86%
Interest Income$9.54 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 - Qualifying
0.50%$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

2.35%$75k-60 Month IRA Plus
2.15%$500-60 Month IRA
2.05%$75k-48 Month IRA Plus
1.85%$75k-36 Month IRA Plus
1.85%$500-48 Month IRA
1.65%$500-36 Month IRA
1.45%$75k-24 Month IRA Plus
1.25%$500-24 Month IRA
1.20%$75k-18 Month IRA Plus
1.05%$75k-12 Month IRA Plus
1.00%$500-18 Month IRA
0.85%$500-12 Month IRA
0.75%$75k-6 Month IRA Plus
0.55%$500-6 Month IRA

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