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.
Membership is open to anyone 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, Hernando, Hillsborough, Lee, Manatee, Pasco, Pinellas, or Sarasota and to family members of current members.
See current membership details
Achieva was called Sarasota Coastal Credit Union when I joined many years ago. My account number had five digits. In all these years I have never had a problem with this institution. The staff has been friendly and efficient, so what more could one ask? Well, I did recently. I wanted to refinance my home and contacted their mortgage agent, Jason Anger. We started the process and it sailed along beautifully until an issue came up that all but froze the process and seemed no resolve could be found. Well, Jason did not give up. He kept digging and calling on other resources and got us to our goal of a closing. I cannot say enough about how grateful I am to Jason and those who assisted in this.
Just opened an Ira CD in a branch today. I wanted to point out that there is a $25 charge to close the SA account associated with the CD. That is the savings account you have to open before you open the IRA. the CSR said You can just keep it open with no funds and there will be no charge. Not sure if you can or not. There is a lot that these reps did not know about.
I joined Achieva CU at the end of June, 2018. The 4.2% APY IRA CD is currently the best in the Nation.
From initial contact to funded Roth IRA CD was about sixteen days. It could have been quicker if I asked better questions and did not make assumptions.
If you want to pay "membership" fees by card it must have debit capabilities. They cannot draw from a credit-only card. Also any funding of membership can come electronically from a checking or savings account as long as it IS NOT a money market savings account.
Because my membership fees were drawn electronically from my checking account I assumed the CD funds were being transferred the same way. The funds were my one-time-per-365-day rollover. The funds were not a custodian to custodian transfer.
Aceiva CU sent the funds request by USPS from Florida to California. When I discovered this; I got a cashier's check made out to me and endorsed to Achieva CU for deposit to my Roth account for purchase of the Roth CD. I mailed the check from CA at 3:00 pm "overnight" to Achieva's P.O. Box and had the CD funded in less than 24 hours!
The trickery of a so called safe place.
Watch out for the charges Privilege pay and Courtesy debit pay (They are overdraft fees) You think your account is being debit from a recurring bill or something of that nature. I was enrolled in overdraft protection without my consent. They could not provide me with a form with my signature saying that I opted in. They use trickery on their mobile app putting the privilege pay debits in when you are in the positive so it does not look like a overdraft fee.
I called Achieva and was basically laughed at and chastised. I try to explain to them I have a primary bank else where and I used this as a credit card/car payment account .
If you have fees do to trickery or were enrolled in overdraft with out consent please look us up on face book members against Achieve credit union so we can work to get our hard earn money back. It doesn’t matter if it only happened once or twice. The credit union make millions of this deceiving tactics.
|Return on Assets - YTD||1.09%|
|Return on Equity - YTD||10.01%|
|Annual Interest Income||$67.3MM|
|Assets and Liabilities|
|Assets||Q4 2019vs Q4 2018||$1.78B$1.72B|
|Loans||Q4 2019vs Q4 2018||$1.31B$1.31B|
|Deposits||Q4 2019vs Q4 2018||$1.56B$1.51B|
|Equity Capital||Q4 2019vs Q4 2018||$192.9MM$171.3MM|
|Loan Loss Allowance||Q4 2019vs Q4 2018||$7.8MM$11.8MM|
|Unbacked Noncurrent Loans||Q4 2019vs Q4 2018||$6.4MM$9.8MM|
|Real Estate Owned||Q4 2019vs Q4 2018||$0$0|
Rates for Achieva Credit Union are currently being reviewed.