Achieva Credit Union

Overview / Commentary
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

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!

Achieva is A OK!

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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.



Health Grade Components

NCUA #60087
Year Chartered1937
Primary Regulator
Profit Margin
Return on Assets - YTD1.07%
Return on Equity - YTD11.75%
Annual Interest Income$30.2MM
Assets and Liabilities
AssetsQ2 2021vs Q2 2020$2.36B$1.99B
LoansQ2 2021vs Q2 2020$1.37B$1.32B
DepositsQ2 2021vs Q2 2020$2.12B$1.77B
Equity CapitalQ2 2021vs Q2 2020$211.9MM$199.7MM
Loan Loss AllowanceQ2 2021vs Q2 2020$15.2MM$10.6MM
Unbacked Noncurrent LoansQ2 2021vs Q2 2020$4.1MM$11.8MM
Real Estate OwnedQ2 2021vs Q2 2020$489.00K$0
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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

0.20%*$50k*-Coverdell Education Savings Account
OTHER TIERS: 0.03% $1 - $25k | 0.10% $25k - $50k
0.15%*$50k*-IRA Savings Account
OTHER TIERS: 0.03% $1 - $25k | 0.10% $25k - $50k
0.05%$1-Business Performance Savings
0.03%$1-All Minor Savings
0.03%--Savings II
0.03%$1-Simply Savings Account
0.03%--PAL Savings Account
0.03%--Summer Savings Account
0.03%--Holiday Savings Account
0.03%$1-Health Savings Account (HSA)
0.03%$1-457B Savings

Achieva Credit Union Money Market Rates

0.42%*$250k*-Relationship Money Market (Member of 25+ years)
OTHER TIERS: 0.27% $25k - $75k | 0.32% $75k - $150k | 0.37% $150k - $250k
0.40%*$250k*-Relationship Money Market (Member of 15 - 24 years)
OTHER TIERS: 0.25% $25k - $75k | 0.30% $75k - $150k | 0.35% $150k - $250k
0.35%*$250k*-Relationship Money Market (Member of 5 - 14 years)
OTHER TIERS: 0.20% $25k - $75k | 0.25% $75k - $150k | 0.30% $150k - $250k
0.30%*$250k*-Relationship Money Market (Member of 0 - 4 years)
OTHER TIERS: 0.15% $25k - $75k | 0.20% $75k - $150k | 0.25% $150k - $250k
0.20%*$50k*-Business Performance Money Market
OTHER TIERS: 0.10% $5k - $50k
0.10%*$50k*-Premier Money Market Account
OTHER TIERS: 0.07% $2k - $50k

Achieva Credit Union Checking Account Rates

0.50%*$1$15kAchieva Checking Plus
OTHER TIERS: 0.10% $15k+
0.10%--Business Performance Interest Checking
0.10%--Business IOTA Checking

Achieva Credit Union CD Rates

1.50%$50$5k15 Month CD Promo - Limited Availability
1.05%*$75k*-42 Month CD Special w/ Add-On
OTHER TIERS: 0.95% $500 - $75k
1.05%*$75k*-Business Performance 42 Month CD Special w/ Add-On
OTHER TIERS: 0.95% $500 - $75k
0.90%*$75k*-60 Month CD
OTHER TIERS: 0.80% $500 - $75k
0.90%*$75k*-Business Performance 60 Month CD
OTHER TIERS: 0.80% $500 - $75k
0.80%*$75k*-48 Month CD
OTHER TIERS: 0.70% $500 - $75k
0.80%*$75k*-Business Performance 48 Month CD
OTHER TIERS: 0.70% $500 - $75k
0.70%*$75k*-36 Month CD
OTHER TIERS: 0.60% $500 - $75k
0.70%*$75k*-Business Performance 36 Month CD
OTHER TIERS: 0.60% $500 - $75k
0.60%*$75k*-30 Month CD
OTHER TIERS: 0.50% $500 - $75k
0.60%*$75k*-Business Performance 30 Month CD
OTHER TIERS: 0.50% $500 - $75k
0.50%*$75k*-24 Month CD
OTHER TIERS: 0.40% $500 - $75k
0.50%*$75k*-Business Performance 24 Month CD
OTHER TIERS: 0.40% $500 - $75k
0.45%*$75k*-18 Month CD
OTHER TIERS: 0.35% $500 - $75k
0.45%*$75k*-Business Performance 18 Month CD
OTHER TIERS: 0.35% $500 - $75k
0.40%*$75k*-12 Month CD
OTHER TIERS: 0.30% $500 - $75k
0.40%$75k-12 Month HSA CD Plus
0.40%*$75k*-Business Performance 12 Month CD
OTHER TIERS: 0.30% $500 - $75k
0.30%*$75k*-6 Month CD
OTHER TIERS: 0.20% $500 - $75k
0.30%$75k-6 Month HSA CD Plus
0.30%$500-12 Month HSA CD
0.30%*$75k*-Business Performance 6 Month CD
OTHER TIERS: 0.20% $500 - $75k
0.20%$500-6 Month HSA CD

Achieva Credit Union IRA Rates

1.05%$500$1m42 Month IRA 457b Special w/ Add-On
0.95%$75k$1m42 Month IRA 457b Plus Special w/ Add-On
0.90%$75k-60 Month IRA/457B Plus
0.80%$75k-48 Month IRA/457B Plus
0.80%$500-60 Month IRA/457B
0.70%$75k-36 Month IRA/457B Plus
0.70%$500-48 Month IRA/457B
0.60%$500-36 Month IRA/457B
0.60%$75k-30 Month IRA/457B Plus
0.50%$75k-24 Month IRA/457B Plus
0.50%$500-30 Month IRA/457B
0.45%$75k-18 Month IRA/457B Plus
0.40%$75k-12 Month IRA/457B Plus
0.40%$500-24 Month IRA/457B
0.35%$500-18 Month IRA/457B
0.30%$75k-6 Month IRA/457B Plus
0.30%$500-12 Month IRA/457B
0.20%$500-6 Month IRA/457B


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