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Achieva Credit Union

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Achieva Credit Union Rates & Review November 2026

Q: What are the current interest rates at Achieva Credit Union?

Current rates for Achieva Credit Union include: 12-Month CD: 3.40%, 18-Month CD: 3.75%, 24-Month CD: 3.75%, 60-Month CD: 3.65%, Savings: 1.50%, MMA: 2.81%

Q: What CD terms does Achieva Credit Union offer?

Achieva Credit Union CD rates are 4.00% APY for a 6 month CD, 3.40% APY for a 12 month CD, 3.75% APY for an 18 month CD, 3.75% APY for a 2 year CD, 3.65% APY for a 4 year CD and 3.75% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Achieva Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 29, 2026

Achieva Credit Union's 6 month CD rates are at 4.00%, 18 Month CD rates are at 3.75%, 24 Month CD rates are at 3.75%, 60 Month CD rates are at 3.75%, 48 Month CD rates are at 3.65%. Achieva Credit Union's savings rates are at 1.50%. Achieva Credit Union's money market rates are at 2.81%. Achieva Credit Union's checking rates are as high as 2.50%. Achieva Credit Union's 3/1 Vacant Land Loan (15 year) rates are at 6.50%. Achieva Credit Union's Auto Loan Rates are as low as 5.15%. Achieva Credit Union's Credit Card Rates are at 13.99%. Achieva Credit Union's CD rates are 27% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Achieva Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.57%. Rates last updated and verified on 10/29/2026.

Achieva Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Achieva Credit Union? Share your experience about Achieva Credit Union by leaving a review below, or read customer reviews before you decide to use Achieva Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.57%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Achieva Credit Union
Center Court

1659 Achieva Way
Dunedin, FL 34698-7405

https://www.achievacu.com

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Achieva Credit Union CD Rates

Product	Rate	APY	Term
13 Month CD Special	4.266%	4.35%	13 months
Min Deposit $10,000 Min Balance $10,000 Details Minimum Balance to Earn Interest: $10,000 (new money only; funds not currently or previously on deposit at Achieva Credit Union within the last 90 days); upon maturity renews to a 12-month term at the then-current CD rate; APY effective as of 8/20/2026; call 800.593.2274 or visit a branch to open Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 4.35% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
6 Month IRA CD	4.025%	4.10%	6 months
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000 minimum to earn interest; A minimum opening balance of $500 is required for all CD products Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 4.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
6 Month IRA CD	3.977%	4.05%	6 months
Min Deposit $500 Min Balance $25,000 Details Balance: $25,000 minimum to earn interest; A minimum opening balance of $500 is required for all CD products Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 4.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
6 month CD	3.928%	4.00%	6 month
Min Deposit $500 Min Balance $100,000 Details Minimum balance to earn interest: $100,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
6 Month HSA CD	3.928%	4.00%	6 months
Min Balance $100,000 Details Balance: $100,000 minimum to earn interest Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 4.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
6 Month IRA CD	3.928%	4.00%	6 months
Min Deposit $500 Min Balance $500 Details Balance: $500 minimum to earn interest; A minimum opening balance of $500 is required for all CD products Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
6 month CD	3.88%	3.95%	6 month
Min Deposit $500 Min Balance $25,000 Details Minimum balance to earn interest: $25,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.95% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
6 Month HSA CD	3.88%	3.95%	6 months
Min Balance $25,000 Details Balance: $25,000 minimum to earn interest Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 3.95% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
6 month CD	3.832%	3.90%	6 month
Min Deposit $500 Min Balance $500 Details Minimum balance to earn interest: $500 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.90% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
6 Month HSA CD	3.832%	3.90%	6 months
Min Balance $500 Details Balance: $500 minimum to earn interest Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 3.90% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
18 month IRA CD	3.784%	3.85%	18 months
Min Balance $500 Details Minimum balance to earn interest: $500 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 3.85% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
18 month IRA CD	3.784%	3.85%	18 months
Min Balance $25,000 Details Minimum balance to earn interest: $25,000 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 3.85% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
18 month IRA CD	3.784%	3.85%	18 months
Min Balance $100,000 Details Minimum balance to earn interest: $100,000 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 3.85% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
24 Month IRA CD	3.784%	3.85%	24 months
Min Balance $500 Details Minimum Balance to Earn Interest: $500 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 3.85% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
24 Month IRA CD	3.784%	3.85%	24 months
Min Balance $25,000 Details Minimum Balance to Earn Interest: $25,000 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 3.85% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
24 Month IRA CD	3.784%	3.85%	24 months
Min Balance $100,000 Details Minimum Balance to Earn Interest: $100,000 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 3.85% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
60 Month IRA CD	3.784%	3.85%	60 months
Min Deposit $500 Min Balance $100,000 Details Balance tier: $100,000 minimum to earn interest; Minimum opening balance of $500 required for all CD products; Call 800.593.2274 or visit a branch to open Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 3.85% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
60 Month IRA CD	3.735%	3.80%	60 months
Min Deposit $500 Min Balance $25,000 Details Balance tier: $25,000 minimum to earn interest; Minimum opening balance of $500 required for all CD products; Call 800.593.2274 or visit a branch to open Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 3.80% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
11 Month Add on HSA Certificate	3.687%	3.75%	11 months
Min Balance $100 Details Minimum Balance to Earn Interest: $100; Call 800.593.2274 or visit a branch to open Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
18 Month CD	3.687%	3.75%	18 months
Min Balance $500 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 3.75% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
18 Month CD	3.687%	3.75%	18 months
Min Balance $25,000 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 3.75% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
18 Month CD	3.687%	3.75%	18 months
Min Balance $100,000 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 3.75% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
24 Month CD	3.687%	3.75%	24 months
Min Deposit $500 Min Balance $500 Details Balance: $500.00 - $24,999.99; Minimum balance to earn interest: $500 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 3.75% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
24 Month CD	3.687%	3.75%	24 months
Min Deposit $500 Min Balance $25,000 Details Balance: $25,000.00 - $99,999.99; Minimum balance to earn interest: $25,000 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 3.75% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
24 Month CD	3.687%	3.75%	24 months
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000.00 and over; Minimum balance to earn interest: $100,000 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 3.75% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
48 Month IRA CD	3.687%	3.75%	48 months
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000 and over; IRA CD; Minimum opening balance of $500 for all CD products Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 3.75% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
60 Month CD	3.687%	3.75%	60 months
Min Balance $100,000 Details Balance: $100,000 minimum to earn interest; rates from the table captioned '60 month CD' Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
60 Month IRA CD	3.687%	3.75%	60 months
Min Deposit $500 Min Balance $500 Details Balance tier: $500 minimum to earn interest; Minimum opening balance of $500 required for all CD products; Call 800.593.2274 or visit a branch to open Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 3.75% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
12 Month IRA CD	3.639%	3.70%	12 month
Min Balance $100,000 Details Minimum balance to earn interest: $100,000; Call 800.593.2274 or visit a branch to open your CD Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.70% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
48 Month IRA CD	3.639%	3.70%	48 months
Min Deposit $500 Min Balance $25,000 Details Balance: $25,000 and over; IRA CD; Minimum opening balance of $500 for all CD products Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 3.70% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
60 Month CD	3.639%	3.70%	60 months
Min Balance $25,000 Details Balance: $25,000 minimum to earn interest; rates from the table captioned '60 month CD' Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.70% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
36 Month IRA CD	3.59%	3.65%	36 months
Min Balance $100,000 Details Minimum Balance to Earn Interest: $100,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.65% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
48 Month CD	3.59%	3.65%	48 months
Min Deposit $500 Min Balance $100,000 Details Balance tier: $100,000 minimum to earn interest; Table caption reads '48 month CD'; Call 800.593.2274 or visit a branch to open Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 3.65% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
48 Month IRA CD	3.59%	3.65%	48 months
Min Deposit $500 Min Balance $500 Details Balance: $500 and over; IRA CD; Minimum opening balance of $500 for all CD products Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 3.65% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
60 Month CD	3.59%	3.65%	60 months
Min Balance $500 Details Balance: $500 minimum to earn interest; rates from the table captioned '60 month CD' Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.65% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
12 Month CD	3.542%	3.60%	12 months
Min Balance $100,000 Details Balance: $100,000.00 and over Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.60% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
12 Month HSA CD	3.542%	3.60%	12 months
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000 minimum to earn interest; Call 800.593.2274 or visit a branch to open Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 3.60% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
12 Month IRA CD	3.542%	3.60%	12 month
Min Balance $25,000 Details Minimum balance to earn interest: $25,000; Call 800.593.2274 or visit a branch to open your CD Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.60% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
36 Month IRA CD	3.542%	3.60%	36 months
Min Balance $25,000 Details Minimum Balance to Earn Interest: $25,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.60% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
48 Month CD	3.542%	3.60%	48 months
Min Deposit $500 Min Balance $25,000 Details Balance tier: $25,000 minimum to earn interest; Table caption reads '48 month CD'; Call 800.593.2274 or visit a branch to open Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 3.60% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
9 Month IRA CD	3.542%	3.60%	9 months
Min Balance $100,000 Details Balance: $100,000 minimum to earn interest; Call 800.593.2274 or visit a branch to open your CD Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.60% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
36 Month CD	3.494%	3.55%	36 months
Min Balance $100,000 Details Minimum balance to earn interest: $100,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.55% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
36 Month IRA CD	3.494%	3.55%	36 months
Min Balance $500 Details Minimum Balance to Earn Interest: $500 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.55% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
48 Month CD	3.494%	3.55%	48 months
Min Deposit $500 Min Balance $500 Details Balance tier: $500 minimum to earn interest; Table caption reads '48 month CD'; Call 800.593.2274 or visit a branch to open Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 3.55% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
12 Month CD	3.445%	3.50%	12 months
Min Balance $25,000 Details Balance: $25,000.00 - $99,999.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
12 Month HSA CD	3.445%	3.50%	12 months
Min Deposit $500 Min Balance $25,000 Details Balance: $25,000 minimum to earn interest; Call 800.593.2274 or visit a branch to open Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 3.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
12 Month IRA CD	3.445%	3.50%	12 month
Min Balance $500 Details Minimum balance to earn interest: $500; Call 800.593.2274 or visit a branch to open your CD Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
36 Month CD	3.445%	3.50%	36 months
Min Balance $25,000 Details Minimum balance to earn interest: $25,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
9 Month CD	3.445%	3.50%	9 months
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000 minimum to earn interest Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
9 Month HSA CD	3.445%	3.50%	9 months
Min Balance $100,000 Details Balance: $100,000 minimum to earn interest Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
9 Month IRA CD	3.445%	3.50%	9 months
Min Balance $25,000 Details Balance: $25,000 minimum to earn interest; Call 800.593.2274 or visit a branch to open your CD Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
36 Month CD	3.397%	3.45%	36 months
Min Balance $500 Details Minimum balance to earn interest: $500 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.45% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
36 Month CD	3.397%	3.45%	36 months
Min Balance $100,000 Details Minimum balance to earn interest: $100,000 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.55% → 3.45% ▼ 0.10 pts · high 3.55% / low 3.45% Oct 26, 20263.45%▼ from 3.55% Sep 14, 20263.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
12 Month CD	3.348%	3.40%	12 months
Min Balance $500 Details Balance: $500.00 - $24,999.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.40% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
12 Month HSA CD	3.348%	3.40%	12 months
Min Deposit $500 Min Balance $500 Details Balance: $500 minimum to earn interest; Call 800.593.2274 or visit a branch to open Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 3.40% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
9 Month CD	3.348%	3.40%	9 months
Min Deposit $500 Min Balance $25,000 Details Balance: $25,000 minimum to earn interest Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.40% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
9 Month HSA CD	3.348%	3.40%	9 months
Min Balance $25,000 Details Balance: $25,000 minimum to earn interest Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.40% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
9 Month IRA CD	3.348%	3.40%	9 months
Min Balance $500 Details Balance: $500 minimum to earn interest; Call 800.593.2274 or visit a branch to open your CD Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.40% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
36 Month CD	3.30%	3.35%	36 months
Min Balance $25,000 Details Minimum balance to earn interest: $25,000 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.50% → 3.35% ▼ 0.15 pts · high 3.50% / low 3.35% Oct 26, 20263.35%▼ from 3.50% Sep 14, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
9 Month CD	3.251%	3.30%	9 months
Min Deposit $500 Min Balance $500 Details Balance: $500 minimum to earn interest Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.30% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
9 Month HSA CD	3.251%	3.30%	9 months
Min Balance $500 Details Balance: $500 minimum to earn interest Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.30% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
36 Month CD	3.203%	3.25%	36 months
Min Balance $500 Details Minimum balance to earn interest: $500 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.45% → 3.25% ▼ 0.20 pts · high 3.45% / low 3.25% Oct 26, 20263.25%▼ from 3.45% Sep 14, 20263.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
3 Month CD	2.374%	2.40%	3 months
Min Balance $500 Details Balance: $500 minimum to earn interest Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 2.40% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
3 Month CD	2.374%	2.40%	3 months
Min Balance $25,000 Details Balance: $25,000 minimum to earn interest Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 2.40% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
3 Month CD	2.374%	2.40%	3 months
Min Balance $100,000 Details Balance: $100,000 minimum to earn interest Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 2.40% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
Performance Certificate of Deposit - 3 Month CD	2.374%	2.40%	3 months
Min Balance $500 Details Balance: Minimum Balance to Earn Interest $500 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
Performance Certificate of Deposit - 3 Month CD	2.374%	2.40%	3 months
Min Balance $25,000 Details Balance: Minimum Balance to Earn Interest $25,000 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
Performance Certificate of Deposit - 3 Month CD	2.374%	2.40%	3 months
Min Balance $100,000 Details Balance: Minimum Balance to Earn Interest $100,000 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%

Achieva Credit Union Savings Rates

Product	Rate	APY
Premium Savings Account	1.49%	1.50%
Min Balance $250,000 Details Balance: $250,000 plus Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 1.35% → 1.50% ▲ 0.15 pts · high 1.50% / low 1.35% Oct 9, 20261.50%▲ from 1.35% Sep 14, 20261.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
Premium Savings Account	1.342%	1.35%
Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 1.05% → 1.35% ▲ 0.30 pts · high 1.35% / low 1.05% Oct 9, 20261.35%▲ from 1.05% Sep 14, 20261.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
Premium Savings Account	0.499%	0.50%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 0.75% → 0.50% ▼ 0.25 pts · high 0.75% / low 0.50% Oct 9, 20260.50%▼ from 0.75% Sep 14, 20260.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
Premium Savings Account	0.25%	0.25%
Min Balance $1 Details Balance: $1.00 - $49,999.99 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 0.50% → 0.25% ▼ 0.25 pts · high 0.50% / low 0.25% Oct 9, 20260.25%▼ from 0.50% Sep 14, 20260.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
Health Savings Account (HSA)	0.18%	0.18%
Min Balance $1 Details Balance: $1 minimum to earn dividends Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.18% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
Simply Savings	0.05%	0.05%
Min Balance $1 Details Balance: $1.00 minimum to earn dividends; Including all minor savings accounts Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%

Achieva Credit Union Business Savings Rates

Product	Rate	APY	View More
Business Performance Savings	0.10%	0.10%
Min Balance $1 Details Balance: $1.00 minimum to earn dividends; Call 800.593.2274 or visit a branch and start saving today Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%

Achieva Credit Union Money Market Rates

Product	Rate	APY
Indexed Money Market Account	2.774%	2.81%
Min Balance $250,000 Details Balance: $250,000 minimum to earn dividends; Eligibility requirements apply. Please visit your local branch or call 800.593.2274 for complete details. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.81% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
Indexed Money Market Account	2.594%	2.625%
Min Balance $100,000 Details Balance: $100,000 minimum to earn dividends; Eligibility requirements apply. Please visit your local branch or call 800.593.2274 for complete details. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.63% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
Premier Money Market Plus - ACP/ACPP with Direct Deposit	2.521%	2.55%
Min Balance $1,000,000 Details Premier MMA Premium; Balance: $1,000,000 minimum to earn dividends; Bump-up dividend rate available for eligible checking holders with at least $500 in qualified deposits each calendar month Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.55% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
Premier Money Market Plus - ACP/ACPP with Direct Deposit	2.472%	2.50%
Min Balance $500,000 Details Premier MMA Premium; Balance: $500,000 minimum to earn dividends; Bump-up dividend rate available for eligible checking holders with at least $500 in qualified deposits each calendar month Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
Premier Money Market Plus - ACP/ACPP with Direct Deposit	2.423%	2.45%
Min Balance $250,000 Details Premier MMA Premium; Balance: $250,000 minimum to earn dividends; Bump-up dividend rate available for eligible checking holders with at least $500 in qualified deposits each calendar month Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.45% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
Premier Money Market Plus - ACP/ACPP with Direct Deposit	2.374%	2.40%
Min Balance $150,000 Details Premier MMA Premium; Balance: $150,000 minimum to earn dividends; Bump-up dividend rate available for eligible checking holders with at least $500 in qualified deposits each calendar month Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.40% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
Premier Money Market Plus - ACP/ACPP with Direct Deposit	2.325%	2.35%
Min Balance $50,000 Details Premier MMA Premium; Balance: $50,000 minimum to earn dividends; Bump-up dividend rate available for eligible checking holders with at least $500 in qualified deposits each calendar month Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.35% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
Premier Money Market Plus - ACP/ACPP with Direct Deposit	2.276%	2.30%
Min Balance $2,000 Details Premier MMA Premium; Balance: $2,000 minimum to earn dividends; Bump-up dividend rate available for eligible checking holders with at least $500 in qualified deposits each calendar month Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.30% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
Indexed Money Market Account	1.864%	1.88%
Min Balance $10,000 Details Balance: $10,000 minimum to earn dividends; Eligibility requirements apply. Please visit your local branch or call 800.593.2274 for complete details. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.88% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
Relationship Money Market	1.736%	1.75%
Min Balance $250,000 Details Member of 25+ years; Minimum balance to earn dividends: $250,000 Last Updated 10/29/2026 Rate History No change since Sep 29, 2026 · 1.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
Relationship Money Market	1.588%	1.60%
Min Balance $250,000 Details Member of 15-24 years; Balance: $250,000 and over Last Updated 10/29/2026 Rate History No change since Sep 29, 2026 · 1.60% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
Relationship Money Market	1.588%	1.60%
Min Balance $150,000 Details Member of 25+ years; Minimum balance to earn dividends: $150,000 Last Updated 10/29/2026 Rate History No change since Sep 29, 2026 · 1.60% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
Relationship Money Market	1.44%	1.45%
Min Balance $250,000 Details Member of 5-14 years; Minimum balance to earn dividends: $250,000 Last Updated 10/29/2026 Rate History No change since Sep 29, 2026 · 1.45% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
Relationship Money Market	1.44%	1.45%
Min Balance $150,000 Details Member of 15-24 years; Balance: $150,000 - $249,999.99 Last Updated 10/29/2026 Rate History No change since Sep 29, 2026 · 1.45% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
Relationship Money Market	1.292%	1.30%
Min Balance $150,000 Details Member of 5-14 years; Minimum balance to earn dividends: $150,000 Last Updated 10/29/2026 Rate History No change since Sep 29, 2026 · 1.30% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
Relationship Money Market	1.193%	1.20%
Min Balance $75,000 Details Member of 25+ years; Minimum balance to earn dividends: $75,000 Last Updated 10/29/2026 Rate History No change since Sep 29, 2026 · 1.20% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
Relationship Money Market	1.144%	1.15%
Min Balance $25,000 Details Member of 25+ years; Minimum balance to earn dividends: $25,000 Last Updated 10/29/2026 Rate History No change since Sep 29, 2026 · 1.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
Relationship Money Market	1.094%	1.10%
Min Balance $75,000 Details Member of 5-14 years; Minimum balance to earn dividends: $75,000 Last Updated 10/29/2026 Rate History No change since Sep 29, 2026 · 1.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
Relationship Money Market	1.094%	1.10%
Min Balance $25,000 Details Member of 15-24 years; Balance: $25,000 - $74,999.99 Last Updated 10/29/2026 Rate History No change since Sep 29, 2026 · 1.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
Relationship Money Market	1.045%	1.05%
Min Balance $25,000 Details Member of 5-14 years; Minimum balance to earn dividends: $25,000 Last Updated 10/29/2026 Rate History No change since Sep 29, 2026 · 1.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
Premier Money Market Account	0.549%	0.55%
Min Balance $1,000,000 Details Balance: $1,000,000 (minimum balance to earn dividends) Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.55% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
Premier Money Market Account	0.499%	0.50%
Min Balance $500,000 Details Balance: $500,000 (minimum balance to earn dividends) Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
Premier Money Market Account	0.449%	0.45%
Min Balance $250,000 Details Balance: $250,000 (minimum balance to earn dividends) Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.45% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
Premier Money Market Account	0.399%	0.40%
Min Balance $150,000 Details Balance: $150,000 (minimum balance to earn dividends) Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
Premier Money Market Account	0.349%	0.35%
Min Balance $50,000 Details Balance: $50,000 (minimum balance to earn dividends) Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
Premier Money Market Account	0.30%	0.30%
Min Balance $2,000 Details Balance: $2,000 (minimum balance to earn dividends) Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%

Achieva Credit Union Business Money Market Rates

Product	Rate	APY
Business Performance Money Market	2.374%	2.40%
Min Balance $1,000,000 Details Balance: $1,000,000 and over; Dividend Rate 2.374% Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.40% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
Business Performance Money Market	1.785%	1.80%
Min Balance $500,000 Details Balance: $500,000 - $999,999.99; Dividend Rate 1.785% Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.80% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
Business Performance Money Market	1.687%	1.70%
Min Balance $250,000 Details Balance: $250,000 - $499,999.99; Dividend Rate 1.687% Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.70% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
Business Performance Money Market	1.243%	1.25%
Min Balance $150,000 Details Balance: $150,000 - $249,999.99; Dividend Rate 1.243% Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
Business Performance Money Market	0.747%	0.75%
Min Balance $50,000 Details Balance: $50,000 - $149,999.99; Dividend Rate 0.747% Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
Business Performance Money Market	0.648%	0.65%
Min Balance $5,000 Details Balance: $5,000 - $49,999.99; Dividend Rate 0.648% Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.65% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%

Achieva Credit Union Checking Rates

Product	Rate	APY
Achieva Checking Platinum Plus	2.472%	2.50%
Min Balance $1 Details Qualifications Required; Balance up to $25,000.00; Balance: $1.00 - $25,000.00; Balances over $25,000 earn 0.10% Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 2.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
Premier Money Market Plus - Achieva Checking with Direct Deposit	1.539%	1.55%
Min Balance $1,000,000 Details Balance: $1,000,000 minimum to earn dividends; Premier MMA Plus Last Updated 10/29/2026 Rate History 2 changes since Sep 18, 2026 · 1.55% → 1.55% ▼ 0.00 pts · high 2.55% / low 1.55% Oct 19, 20261.55%▼ from 2.55% Oct 9, 20262.55%▲ from 1.55% Sep 18, 20261.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
Premier Money Market Plus - Achieva Checking with Direct Deposit	1.49%	1.50%
Min Balance $500,000 Details Balance: $500,000 minimum to earn dividends; Premier MMA Plus Last Updated 10/29/2026 Rate History 2 changes since Sep 18, 2026 · 1.50% → 1.50% ▼ 0.00 pts · high 2.50% / low 1.50% Oct 19, 20261.50%▼ from 2.50% Oct 9, 20262.50%▲ from 1.50% Sep 18, 20261.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
Premier Money Market Plus - Achieva Checking with Direct Deposit	1.441%	1.45%
Min Balance $250,000 Details Balance: $250,000 minimum to earn dividends; Premier MMA Plus Last Updated 10/29/2026 Rate History 2 changes since Sep 18, 2026 · 1.45% → 1.45% ▼ 0.00 pts · high 2.45% / low 1.45% Oct 19, 20261.45%▼ from 2.45% Oct 9, 20262.45%▲ from 1.45% Sep 18, 20261.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
Premier Money Market Plus - Achieva Checking with Direct Deposit	1.391%	1.40%
Min Balance $150,000 Details Balance: $150,000 minimum to earn dividends; Premier MMA Plus Last Updated 10/29/2026 Rate History 2 changes since Sep 18, 2026 · 1.40% → 1.40% ▼ 0.00 pts · high 2.40% / low 1.40% Oct 19, 20261.40%▼ from 2.40% Oct 9, 20262.40%▲ from 1.40% Sep 18, 20261.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
Premier Money Market Plus - Achieva Checking with Direct Deposit	1.342%	1.35%
Min Balance $50,000 Details Balance: $50,000 minimum to earn dividends; Premier MMA Plus Last Updated 10/29/2026 Rate History 2 changes since Sep 18, 2026 · 1.35% → 1.35% ▼ 0.00 pts · high 2.35% / low 1.35% Oct 19, 20261.35%▼ from 2.35% Oct 9, 20262.35%▲ from 1.35% Sep 18, 20261.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
Premier Money Market Plus - Achieva Checking with Direct Deposit	1.292%	1.30%
Min Balance $2,000 Details Balance: $2,000 minimum to earn dividends; Premier MMA Plus Last Updated 10/29/2026 Rate History 2 changes since Sep 18, 2026 · 1.30% → 1.30% ▼ 0.00 pts · high 2.30% / low 1.30% Oct 19, 20261.30%▼ from 2.30% Oct 9, 20262.30%▲ from 1.30% Sep 18, 20261.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
Achieva Checking Plus Account (ACP)	0.995%	1.00%
Min Balance $1 Details Balance: $1.00 - $15,000.00; APY applies to balances up to and including $15,000; 18 posted transactions per statement cycle using Achieva debit or credit card Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
Achieva Checking Plus Account (ACP)	0.10%	0.10%
Min Balance $15,000 Details Balance: $15,000 and over; Balances over $15,000 earn .10% Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%

Achieva Credit Union Business Checking Rates

Product	Rate	APY	View More
Business Performance Interest Checking	0.10%	0.10%
Details Dividends calculated on daily balance, 365-day rate frequency; accrue daily and post monthly. APYs subject to change. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%

Achieva Credit Union Mortgage Rates

Product	Rate	Points	APR	Term	View More
3/1 Vacant Land Loan (15 year)	6.50%	0.0%	7.07%
No additional details. Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 7.07% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%

Achieva Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan (HE-Loan)	-	-	6.775%	15 years
Details As Low As; second position home equity loan, $50,000 example, LTV 70% or less; as of 9/23/2026; average closing costs $1,360 to $3,630; minimum loan amount $10,000; property insurance required Last Updated 10/29/2026 Rate History No change since Sep 29, 2026 · 6.78% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
Home Equity Line	-	-	7.00%	180 Months
Details As Low As; Variable Introductory APR as low as 7.00%; Fully Indexed Variable APR as low as 7.00% Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75% Oct 9, 20267.00%▲ from 6.75% Sep 14, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
Home Equity Line - Interest Only	-	-	7.25%	180 Months
Details As Low As; Interest Only; Variable Introductory APR as low as 7.25%; Fully Indexed Variable APR as low as 7.25% Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 7.00% → 7.25% ▲ 0.25 pts · high 7.25% / low 7.00% Oct 9, 20267.25%▲ from 7.00% Sep 14, 20267.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%

Achieva Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
New and Used Auto	-	-	5.15%
Details As Low As; Call 727.431.7690 to visit a branch or apply; Commercial use vehicles are not eligible; Membership qualifications apply Last Updated 10/29/2026 Rate History 2 changes since Sep 14, 2026 · 4.75% → 5.15% ▲ 0.40 pts · high 5.15% / low 4.75% Oct 19, 20265.15%▲ from 5.00% Oct 9, 20265.00%▲ from 4.75% Sep 14, 20264.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%

Achieva Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR
New and Used Golf Cart Loan	-	6.15%
Details As Low As; Call 727.431.7690 or visit a branch to apply Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 5.75% → 6.15% ▲ 0.40 pts · high 6.15% / low 5.75% Oct 19, 20266.15%▲ from 5.75% Sep 14, 20265.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
New & Used Boat/RV & Camper Loan	-	7.15%
Details As Low As; Fixed APR; Call 727.431.7690 to visit a branch or apply Last Updated 10/29/2026 Rate History 2 changes since Sep 18, 2026 · 6.75% → 7.15% ▲ 0.40 pts · high 7.15% / low 6.75% Oct 19, 20267.15%▲ from 7.00% Oct 9, 20267.00%▲ from 6.75% Sep 18, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
New and Used Motorcycle Loan	-	7.15%
Details As Low As; Call 727.431.7690 to apply or visit a branch Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 6.75% → 7.15% ▲ 0.40 pts · high 7.15% / low 6.75% Oct 19, 20267.15%▲ from 6.75% Sep 14, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
New and Used Jet Ski/ATV/UTV Loan	-	9.15%
Details As Low As; Recreational Vehicle loan; Call 727.431.7690 or visit a branch Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 8.75% → 9.15% ▲ 0.40 pts · high 9.15% / low 8.75% Oct 19, 20269.15%▲ from 8.75% Sep 14, 20268.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%

Achieva Credit Union Credit Card Rates

Product	Rate	APR	View More
Cash Rewards Mastercard Credit Card	-	13.99%
Details Variable APR for Purchases range: 13.99% to 22.99% when you open your account, based on creditworthiness, varies with the Prime Rate; Variable APR for Balance Transfers and Cash Advances: 22.99% when you open your account, varies with the Prime Rate; Penalty APR:; Minimum Interest Charge:; Balance Transfer fee: 3.0% of each transfer, $20 minimum; Cash Advance fee: 3.0% of each advance, $20 minimum; Foreign Transaction fee: 1% Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 13.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%

Achieva Credit Union Other Rates

Product	Rate	Points	APY/APR
Commercial Lending Loan	-	-	5.50%
Details As Low As; Limited time commercial lending rates Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 5.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
Individual Retirement Account	0.10%	-	0.10%
Min Balance $1 Details Balance from $1.00 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
Individual Retirement Account	0.20%	-	0.20%
Min Balance $25,000 Details Balance from $25,000 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 0.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%
Individual Retirement Account	0.30%	-	0.30%
Min Balance $50,000 Details Balance from $50,000 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 0.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.57%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Achieva Credit Union’s Texas Ratio rose from 1.17% in Q3 2023 to 2.57% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$3.2B	2.57%	5.0	A+
March 31, 2026	$3.2B	2.29%	5.0	A+
December 31, 2025	$3.1B	1.74%	5.0	A+
September 30, 2025	$3.0B	1.78%	5.0	A+
June 30, 2025	$3.0B	2.02%	5.0	A+
March 31, 2025	$3.0B	1.55%	5.0	A+
December 31, 2024	$2.9B	3.12%	5.0	A+
September 30, 2024	$2.9B	1.43%	5.0	A+
June 30, 2024	$2.9B	0.93%	5.0	A+
March 31, 2024	$2.9B	1.18%	5.0	A+
December 31, 2023	$2.8B	1.66%	5.0	A+
September 30, 2023	$2.8B	1.17%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Achieva Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Achieva Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Achieva Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Achieva Credit Union

Website https://www.achievacu.com

Address 1659 Achieva Way, Dunedin, FL 34698-7405

Phone 727-431-7680

Fax

President Janet Cantees

CEO Eric Jenkins

Full-Time Employees 537

Part-Time Employees 36

Branch Locations 28

ATM Locations 26

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.57%

Return on Assets (ROA)

0.4665%

Return on Equity (ROE)

4.6938%

Non-Performing Loans Ratio (NPL)

0.35%

Total Assets

3,247,344,321

Total Amount of Shares and Deposits

2,846,370,529

Total Shares and Deposits < 1 Year

2,580,487,654

Total Shares and Deposits 1 3 Years

261,379,124

Total Shares and Deposits > 3 Years

4,503,750

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

254,441,482

Total Uninsured Shares and Deposits > $250K (F+J)

254,441,482

Total Insured Shares and Deposits > $250K (item 17 less item K)

2,591,929,047

Total Interest Expense (Sum of items 6 8)

23,549,574

Share Certificates

20,131

Number of Accounts for Share Drafts

110,465

IRA KEOGH Accounts

6,980

Number of Accounts for Regular Shares

262,525

All other shares

1,096

Non Member Deposits

Money Market Shares

5,316

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

115,292,581

Total Liabilities

2,975,829,564

Source: NCUA — Last Updated 06/30/2026

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Achieva Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About Achieva Credit Union

Does Achieva Credit Union offer CDs?

Yes. Achieva Credit Union current CD rates include its 6 month CD at 4.00% APY, its 18 Month CD at 3.75% APY and its 24 Month CD at 3.75% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from Achieva Credit Union NCUA insured?

Yes. Achieva Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Achieva Credit Union?

The highest Achieva Credit Union CD rate is its 13 Month CD Special at 4.35% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does Achieva Credit Union offer?

Achieva Credit Union CD rates are 4.00% APY for a 6 month CD, 3.40% APY for a 12 month CD, 3.75% APY for an 18 month CD, 3.75% APY for a 2 year CD, 3.65% APY for a 4 year CD and 3.75% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Achieva Credit Union for its full lineup.

What is the highest savings rate at Achieva Credit Union?

The highest Achieva Credit Union savings rate is its Premium Savings Account at 1.50% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest money market rate at Achieva Credit Union?

The highest Achieva Credit Union money market rate is its Indexed Money Market Account at 2.81% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest checking rate at Achieva Credit Union?

The highest Achieva Credit Union checking rate is its Achieva Checking Platinum Plus at 2.50% APY, verified by MonitorBankRates as of October 29, 2026.

What is the lowest mortgage rate at Achieva Credit Union?

The lowest Achieva Credit Union mortgage rate is its 3/1 Vacant Land Loan (15 year) at 6.50%, verified by MonitorBankRates as of October 29, 2026.

What is the lowest auto loan rate at Achieva Credit Union?

The lowest Achieva Credit Union auto loan rate is its New and Used Auto at 5.15% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest credit card APR at Achieva Credit Union?

The lowest Achieva Credit Union credit card APR is its Cash Rewards Mastercard Credit Card at 13.99% APR, verified by MonitorBankRates as of October 29, 2026.

How many branches does Achieva Credit Union operate?

Achieva Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Achieva Credit Union?

Yes, to access services at Achieva Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Achieva Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Achieva Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Achieva Credit Union offer online and mobile banking?

Most modern institutions like Achieva Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.achievacu.com.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Achieva Credit Union rates compare?

Achieva Credit Union's CD rates are 27% higher than the MonitorBankRates national average, and it has an A+ health rating. Achieva Credit Union's top rates are its 13 Month CD Special at 4.35% APY, its Premium Savings Account at 1.50% APY, its Indexed Money Market Account at 2.81% APY, its Achieva Checking Platinum Plus at 2.50% APY, its 3/1 Vacant Land Loan (15 year) at 6.50%, its New and Used Auto at 5.15% APR and its Cash Rewards Mastercard Credit Card at 13.99% APR, verified by MonitorBankRates on October 29, 2026.

Current Achieva Credit Union Rates

12-Month CD3.40%
18-Month CD3.75%
24-Month CD3.75%
60-Month CD3.65%
Savings1.50%
MMA2.81%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Achieva Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Achieva Credit Union Texas Ratio

Achieva Credit Union Health Trend

Achieva Credit Union CD Rates

Achieva Credit Union Savings Rates

Achieva Credit Union Business Savings Rates

Achieva Credit Union Money Market Rates

Achieva Credit Union Business Money Market Rates

Achieva Credit Union Checking Rates

Achieva Credit Union Business Checking Rates

Achieva Credit Union Mortgage Rates

Achieva Credit Union Home Equity & HELOC

Achieva Credit Union Auto Loan Rates

Achieva Credit Union RV, Boat and Powersport Loan Rates

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Achieva Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Achieva Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Achieva Credit Union

Does Achieva Credit Union offer CDs?

Are CDs from Achieva Credit Union NCUA insured?

What is the highest CD rate at Achieva Credit Union?

What CD terms does Achieva Credit Union offer?

What is the highest savings rate at Achieva Credit Union?

What is the highest money market rate at Achieva Credit Union?

What is the highest checking rate at Achieva Credit Union?

What is the lowest mortgage rate at Achieva Credit Union?

What is the lowest auto loan rate at Achieva Credit Union?

What is the lowest credit card APR at Achieva Credit Union?

How many branches does Achieva Credit Union operate?

Is a member application needed to join Achieva Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Achieva Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Achieva Credit Union rates compare?

Current Achieva Credit Union Rates

Compare to Other Credit Unions