Achieva Credit Union


Overview / Commentary
727-431-7597
1659 Achieva Way
Dunedin, FL 34698

With just $99.25 and seven charter members, Achieva Credit Union was founded in 1937 on Florida’s central western “sun” coast. At the time of this writing, it operates over 20 branches and serves over 140,000 members across several counties in Florida.

The credit union offers various personal depository banking products. Achieva provides high-yield interest bearing checking accounts, if a certain number of monthly transactions are made. In addition to its standard savings accounts, Achieva offers savings options specifically for children, teens, and young adults. Furthermore, its money market accounts have two dividend tiers, yielding better interest rates once a certain account balance threshold is crossed. The terms for the credit union’s Certificates of Deposit (CDs) range from 6 months to 5 years, and its Individual Retirement Accounts (IRAs) are available either as savings accounts or CDs. Achieva also offers Traditional and Roth IRA products, as well as Health Savings Accounts (HSAs).

Achieva also provides business checking accounts, business savings accounts, and business money market accounts. Its corporate checking accounts vary based upon the number of monthly deposits, but all business accounts (including business savings accounts and business money market accounts) feature online banking, electronic statements, and mobile banking.

In addition to these depository banking products, Achieva Credit Union also offers its members various credit cards, mortgage products, and loan options.

Field of Membership Restrictions

Membership in Achieva is open to all US citizens/resident aliens through a donation to the Achieva Foundation ($10 minimum). Membership is also open to those who live or work in the Florida counties of Charlotte, Collier, DeSoto, Glades, Hardee, Hendry, Hernando, Highlands, Hillsborough, Lee, Manatee, Monroe, Pasco, Pinellas, or Sarasota. Immediate family members of current members also qualify for membership.
See current membership details

Reviews (3)

Amy At Venice Acheiva Credit Union Is Wonderful!!

Posted by: |

Amy in Venice is super helpful and very knowledgeable! She makes our visit to Acheiva the best ever Ive had at a financial institution. We love Acheiva because of Amy =)

Achieva CU Membership Requirement

Posted by: |

Achieva CU requires a $15 payment to their 'Achieva Foundation,' as stated on their website

I Was Bamboozled, Don’T Let It Happen To You

I Got Swindled. I have had an Achieva credit card for a while. I kept getting ads to open a new one with 0% APR for 15 months and free balance transfers. I had some credit cards with high APRs so I saw this as the opportunity to get rid of them and move the balances over, while not being penalized for doing so.

I was way wrong. Instead of giving me a new credit card, Achieva just extended my credit limit. Nothing else has visibly changed about my account. Same old APR, I got hit for the balance transfers, and now my payment is $1000 A MONTH. Not to mention I get reminders for all of my upcoming due dates by every other company except Achieva, and it takes almost a week for them to receive an online payment. In 2023. Ridiculous. When I asked them about setting an alert or reminder they are no help whatsoever, they just tell me it’s in my “online banking.” It’s pretty clear that it’s not easily accessed because they would rather dock you the late fee. What’s also ironic is that a few days after I paid I got an email with a link telling me that if I paid immediately via the link, I could pay a convenience fee and avoid the late fee. Meanwhile I had just paid and my money was floating in the ether somewhere. I have been assessed the late fee even though I paid before they acknowledged that I was late and sent over that “convenience” link for payment.

Achieva is, for lack of a better word, screwy and deceiving. I feel like I have been terribly misled and I will be transferring my balances to other cards and closing this account.



Health
B+

Health Grade Components

Overall
NCUA #60087
Year Chartered1937
Employees480
Primary Regulator
Profit Margin
Return on Assets - YTD0.56%
Return on Equity - YTD7.16%
Annual Interest Income$99MM
Assets and Liabilities
AssetsQ3 2024vs Q3 2023$2.87B$2.78B
LoansQ3 2024vs Q3 2023$2.07B$2.07B
DepositsQ3 2024vs Q3 2023$2.61B$2.54B
Equity CapitalQ3 2024vs Q3 2023$225.7MM$182.6MM
Loan Loss AllowanceQ3 2024vs Q3 2023$20.3MM$18.8MM
Unbacked Noncurrent LoansQ3 2024vs Q3 2023$4.4MM$3.4MM
Real Estate OwnedQ3 2024vs Q3 2023$0$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not Achieva Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Achieva Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%*$250k*-Premium Savings Account
OTHER TIERS: 1.00% $1 - $50k | 1.25% $50k - $100k | 1.75% $100k - $250k
0.30%*$50k*-IRA Savings Account
OTHER TIERS: 0.10% $1 - $25k | 0.20% $25k - $50k
0.18%$1-Health Savings Account (HSA)
0.10%$1-Business Performance Savings
0.05%$1-All Minor Savings
0.05%$0-Savings II
0.05%$1-Simply Savings Account
0.05%$0-PAL Savings Account
0.05%$0-Summer Savings Account
0.05%$0-Holiday Savings Account

Achieva Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.38%*$250k*-Indexed Money Market
OTHER TIERS: 2.25% $10k - $100k | 3.15% $100k - $250k
1.41%*$1m*-Business Performance Money Market
OTHER TIERS: 0.65% $5k - $50k | 0.75% $50k - $150k | 1.11% $150k - $250k | 1.21% $250k - $500k | 1.31% $500k - $1m
1.20%*$250k*-Relationship Money Market (Member of 25+ years)
OTHER TIERS: 0.65% $25k - $150k | 1.05% $150k - $250k
1.05%*$250k*-Relationship Money Market (Member of 15 - 24 years)
OTHER TIERS: 0.60% $25k - $150k | 0.90% $150k - $250k
0.90%*$250k*-Relationship Money Market (Member of 5 - 14 years)
OTHER TIERS: 0.50% $25k - $75k | 0.55% $75k - $150k | 0.75% $150k - $250k
0.75%*$250k*-Relationship Money Market (Member of 0 - 5 years)
OTHER TIERS: 0.45% $25k - $75k | 0.50% $75k - $150k | 0.60% $150k - $250k
0.55%*$1m*-Premier Money Market Account
OTHER TIERS: 0.30% $2k - $50k | 0.35% $50k - $150k | 0.40% $150k - $250k | 0.45% $250k - $500k | 0.50% $500k - $1m

Achieva Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.00%$0-Business IOTA Checking
1.00%*$1$15kAchieva Checking Plus
OTHER TIERS: 0.10% $15k+
0.10%$0-Business Performance Interest Checking

Achieva Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.50%*$75k*-7 Month CD
OTHER TIERS: 4.40% $500 - $75k
4.50%*$75k*-Business Performance 7 Month CD
OTHER TIERS: 4.40% $500 - $75k
4.20%*$75k*-12 Month CD
OTHER TIERS: 4.10% $500 - $75k
4.20%*$75k*-12 Month HSA CD
OTHER TIERS: 4.10% $500 - $75k
4.20%*$75k*-Business Performance 12 Month CD
OTHER TIERS: 4.10% $500 - $75k
3.35%*$75k*-6 Month CD
OTHER TIERS: 3.25% $500 - $75k
3.35%*$75k*-6 Month HSA CD
OTHER TIERS: 3.25% $500 - $75k
3.35%*$75k*-Business Performance 6 Month CD
OTHER TIERS: 3.25% $500 - $75k
3.25%*$75k*-18 Month CD
OTHER TIERS: 3.15% $500 - $75k
3.25%*$75k*-Business Performance 18 Month CD
OTHER TIERS: 3.15% $500 - $75k
3.00%*$75k*-24 Month CD
OTHER TIERS: 2.90% $500 - $75k
3.00%*$75k*-Business Performance 24 Month CD
OTHER TIERS: 2.90% $500 - $75k
3.00%$500-9 Month CD
3.00%$500-9 Month HSA CD
3.00%$500-Business Performance 9 Month CD
2.40%$500-3 Month CD
2.40%$500-Business Performance 3 Month CD
2.10%*$75k*-30 Month CD
OTHER TIERS: 2.00% $500 - $75k
2.10%*$75k*-Business Performance 30 Month CD
OTHER TIERS: 2.00% $500 - $75k
1.90%*$75k*-36 Month CD
OTHER TIERS: 1.80% $500 - $75k
1.90%*$75k*-Business Performance 36 Month CD
OTHER TIERS: 1.80% $500 - $75k
1.90%*$75k*-36 Month CD Bump Up Special
OTHER TIERS: 1.80% $500 - $75k
1.85%*$75k*-48 Month CD
OTHER TIERS: 1.75% $500 - $75k
1.85%*$75k*-60 Month CD
OTHER TIERS: 1.75% $500 - $75k
1.85%*$75k*-Business Performance 48 Month CD
OTHER TIERS: 1.75% $500 - $75k
1.85%*$75k*-Business Performance 60 Month CD
OTHER TIERS: 1.75% $500 - $75k

Achieva Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.20%*$75k*-12 Month IRA
OTHER TIERS: 4.10% $500 - $75k
3.35%*$75k*-6 Month IRA
OTHER TIERS: 3.25% $500 - $75k
3.25%*$75k*-18 Month IRA
OTHER TIERS: 3.15% $500 - $75k
3.00%*$75k*-24 Month IRA
OTHER TIERS: 2.90% $500 - $75k
3.00%$500-9 Month IRA
2.10%*$75k*-30 Month IRA
OTHER TIERS: 2.00% $500 - $75k
1.90%*$75k*-36 Month IRA
OTHER TIERS: 1.80% $500 - $75k
1.90%*$75k*-36 Month IRA Bump Up Special
OTHER TIERS: 1.80% $500 - $75k
1.85%*$75k*-48 Month IRA
OTHER TIERS: 1.75% $500 - $75k
1.85%*$75k*-60 Month IRA
OTHER TIERS: 1.75% $500 - $75k
Locations

Availability

Tampa Area

Interactive local rates map


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