Achieva Credit Union


Overview / Commentary
727-431-7680
1659 Achieva Way
Dunedin, FL 34698-7405

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 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

Related Posts

Achieva CU Has REDUCED Their Excess Share Insurance From $250,00 To $100,000 - 10/7/2019

A letter was included with my downloaded statement. September 30, 2019 Dear Member: At Achieva Credit Union we feel it's not enough to offer great products and services. It's the extra things we do that make our membership so rewarding. That's why, since August 1, 2016, we have provided our members with free supplementary deposit insurance of $250,000 through the Excess Share Insurance Corporation (ESI), a private deposit insurer. This excess coverage is in addition to the coverage provided by the National Credit Union Administration (NCUA), and is provided for your protection at no cost to you. Based on the limitations of the insurer, Achieva Credit Union is provided the highest limit of excess insurance coverage available by ESI for any credit union in America. However, our recent growth has pushed us past the limit. Consequently, Achieva Credit Union's management has worked with ESI to develop an alternative that would allow us to continue offering excess share insurance coverage

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Long Time Customer

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.

Ira Cds $25 Charge To Close IRA SA Account

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.

Super IRA CD Rate.

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!

Trickery And Deceiving

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.

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Health

Health Grade Components

Overall
NCUA #60087
Year Chartered1937
Employees369
Primary Regulator
Profit Margin
Return on Assets - YTD1.12%
Return on Equity - YTD10.75%
Annual Interest Income$33.5MM
Assets and Liabilities
AssetsQ2 2019vs Q2 2018$1.76B$1.55B
LoansQ2 2019vs Q2 2018$1.28B$1.21B
DepositsQ2 2019vs Q2 2018$1.55B$1.35B
Equity CapitalQ2 2019vs Q2 2018$183.2MM$163.5MM
Loan Loss AllowanceQ2 2019vs Q2 2018$10.9MM$10.7MM
Unbacked Noncurrent LoansQ2 2019vs Q2 2018$8.5MM$7.7MM
Real Estate OwnedQ2 2019vs Q2 2018$0$0
  User-submitted Promotions & Notices

This section lists recent deals, promotions and rate changes submitted by our community within the past 90 days. Always verify official rates and promotions with the bank or credit union.

Achieva CU Has REDUCED Their Excess Share Insurance From $250,00 To $100,000

Confused1   |  
A letter was included with my downloaded statement.

September 30, 2019
Dear Member:
At Achieva Credit Union we feel it's not enough to offer great products and services. It's the extra things we do that make our membership so rewarding. That's why, since August 1, 2016, we have provided our members with free supplementary deposit insurance of $250,000 through the Excess Share Insurance Corporation (ESI), a private deposit insurer. This excess coverage is in addition to the coverage provided by the National Credit Union Administration (NCUA), and is provided for your protection at no cost to you. Based on the limitations of the insurer, Achieva Credit Union is provided the highest limit of excess insurance coverage available by ESI for any credit union in America. However, our recent growth has pushed us past the limit. Consequently, Achieva Credit Union's management has worked with ESI to develop an alternative that would allow us to continue offering excess share insurance coverage to members albeit at a lesser amount. After an in-depth analysis, Achieva Credit Union's management has elected to change the current ESI coverage effective November 1, 2019. The supplemental insurance coverage from ESI of $250,000 will be reduced to $100,000 per account relationship upon the effective date of this change. Beginning November 1, depending upon how your account relationship with Achieva Credit Union is structured, accounts will remain federally insured up to $250,000 by the National Credit Union Share Insurance Fund (NCUSIF). In addition, these accounts will also be insured up to an additional $100,000 by ESI, instead of the $250,000 per account additional coverage that was previously provided. Thus, the combined total coverage for your accounts could be up to $350,000. We thank you for your support of Achieva Credit Union and for helping us to become a strong, growing leader in financial services. We look forward to continuing to service your financial needs into the future.

Rates
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* 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
0.30%*$50k*-IRA Savings Account
OTHER TIERS: 0.10% $1 - $25k | 0.20% $25k - $50k
0.30%*$50k*-Coverdell Education Savings Account
OTHER TIERS: 0.10% $1 - $25k | 0.20% $25k - $50k
0.20%$1-Business Performance Savings
0.15%$1-Health Savings Account (HSA)
0.10%$1-All Minor Savings
0.10%--Savings II
0.10%$1-Simply Savings Account
0.10%--PAL Savings Account
0.10%--Summer Savings Account
0.10%--Holiday Savings Account
0.10%$1-457B Savings

Achieva Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.95%*$250k*-Relationship Money Market (Member of 5 - 14 years)
OTHER TIERS: 0.65% $25k - $75k | 0.75% $75k - $150k | 0.85% $150k - $250k
0.90%*$250k*-Relationship Money Market (Member of 25+ years)
OTHER TIERS: 0.60% $25k - $75k | 0.70% $75k - $150k | 0.80% $150k - $250k
0.85%*$250k*-Relationship Money Market (Member of 15 - 24 years)
OTHER TIERS: 0.55% $25k - $75k | 0.65% $75k - $150k | 0.75% $150k - $250k
0.75%*$250k*-Relationship Money Market (Member of 0 - 4 years)
OTHER TIERS: 0.45% $25k - $75k | 0.55% $75k - $150k | 0.65% $150k - $250k
0.60%*$50k*-Business Performance Money Market
OTHER TIERS: 0.40% $5k - $50k
0.35%$2k-Premier Money Market Account

Achieva Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%*$1$15kAchieva Checking Plus
OTHER TIERS: 0.15% $15k+
0.15%--Business Performance Interest Checking

Achieva Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.45%*$75k*-60 Month CD
OTHER TIERS: 2.35% $500 - $75k
2.45%*$75k*-Business Performance 60 Month CD
OTHER TIERS: 2.35% $500 - $75k
2.25%*$75k*-48 Month CD
OTHER TIERS: 2.05% $500 - $75k
2.25%*$75k*-Business Performance 48 Month CD
OTHER TIERS: 2.05% $500 - $75k
2.20%*$75k*-18 Month CD
OTHER TIERS: 2.00% $500 - $75k
2.20%*$75k*-Business Performance 18 Month CD
OTHER TIERS: 2.00% $500 - $75k
2.15%*$75k*-24 Month CD
OTHER TIERS: 1.95% $500 - $75k
2.15%*$75k*-Business Performance 24 Month CD
OTHER TIERS: 1.95% $500 - $75k
2.10%*$75k*-36 Month CD
OTHER TIERS: 1.90% $500 - $75k
2.10%*$75k*-Business Performance 36 Month CD
OTHER TIERS: 1.90% $500 - $75k
1.95%*$75k*-12 Month CD
OTHER TIERS: 1.75% $500 - $75k
1.95%$75k-12 Month HSA CD Plus
1.95%*$75k*-30 Month CD
OTHER TIERS: 1.75% $500 - $75k
1.95%*$75k*-Business Performance 12 Month CD
OTHER TIERS: 1.75% $500 - $75k
1.95%*$75k*-Business Performance 30 Month CD
OTHER TIERS: 1.75% $500 - $75k
1.75%$500-12 Month HSA CD
1.40%*$75k*-6 Month CD
OTHER TIERS: 1.20% $500 - $75k
1.40%$75k-6 Month HSA CD Plus
1.40%*$75k*-Business Performance 6 Month CD
OTHER TIERS: 1.20% $500 - $75k
1.20%$500-6 Month HSA CD

Achieva Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.45%$75k-60 Month IRA/457B Plus
2.35%$500-60 Month IRA/457B
2.25%$75k-48 Month IRA/457B Plus
2.20%$75k-18 Month IRA/457B Plus
2.15%$75k-24 Month IRA/457B Plus
2.10%$75k-36 Month IRA/457B Plus
2.05%$500-48 Month IRA/457B
2.00%$500-18 Month IRA/457B
1.95%$75k-12 Month IRA/457B Plus
1.95%$500-24 Month IRA/457B
1.95%$75k-30 Month IRA/457B Plus
1.90%$500-36 Month IRA/457B
1.75%$500-12 Month IRA/457B
1.75%$500-30 Month IRA/457B
1.40%$75k-6 Month IRA/457B Plus
1.20%$500-6 Month IRA/457B
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