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: 3.15%, 24-Month CD: 3.55%, 36-Month CD: 3.25%, 48-Month CD: 1.75%, 60-Month CD: 1.75%, Savings: 0.05%, MMA: 0.30%, 30-Year Fixed: 6.24%, Personal Loan: 11.00%

Achieva Credit Union Rates and Review February 2026

Q: Is a member application needed to join Achieva Credit Union?

Yes, to access services at Achieva Credit Union, a member application is required.

Content reviewed by

Brian McKay

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Achieva Credit Union Deposit Rates

Achieva Credit Union's 19 month 19 month CD rates are at 4.25%, 24 month 24 month IRA CD rates are at 3.85%, 11 month 11 Month Add on HSA CD rates are at 3.75%, 24 month 24 month CD rates are at 3.75%, 24 month 24 month IRA CD rates are at 3.75%. Achieva Credit Union's savings rates are at 0.05%. Achieva Credit Union's money market rates are at 0.30%. Achieva Credit Union's 30-Year Fixed Mortgage rates are at 6.12%, 20 Years Up to 90% Loan To Value (LTV) rates are at 7.12%, 3/1 Vacant Land Loan rates are at 6.25%. Achieva Credit Union's Personal Loan Rates are at 11.00%.

Achieva Credit Union

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 by leaving a review below, or read customer reviews before you decide to use .

Achieva Credit Union Texas Ratio

Achieva Credit Union's Texas Ratio is at 1.90%, which is considered excellent. The Texas Ratio for Achieva Credit Union is lower than the national average of all banks, currently at 6.13%. The Texas Ratio is a key indicator of financial health. This indicates that Achieva Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.

MonitorBankRates Rating

5.0

Excellent

Out of 5.0 Stars

Achieva Credit Union has earned a Smart Rating of 5.0 out of 5 stars. 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.

Overall, Achieva Credit Union is an excellent credit union worth considering, with an overall rating of 5.0 stars out of 5 stars.

Current Interest Rates

Product

APY/APR

vs.Avg

12-Month CD

3.40%

2.38%

18-Month CD

3.15%

2.14%

24-Month CD

3.55%

2.17%

36-Month CD

3.25%

2.11%

48-Month CD

1.75%

2.10%

60-Month CD

1.75%

2.23%

Savings

0.05%

0.60%

MMA

0.30%

0.75%

30-Year Fixed

6.24%

6.09%

Credit Card

N/A

14.10%

Personal Loan

11.00%

11.27%

"N/A" indicates the product is not offered or the rate is unavailable.

Achieva Credit Union
Center Court

1659 Achieva Way
Dunedin, FL 34698 7405

https://www.achievacu.com

MonitorBankRates

Official Financial Rating

5.0

★★★★★

EXCELLENT

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Achieva Credit Union CD Rates

Product	Rate	APY	Term
11 month 11 Month Add on HSA Certificate	3.69%	3.75%	11 Months
Min Deposit$100 Last Updated 02/12/2026
24 month 24 month CD	3.69%	3.75%	24 Months
Min Deposit$100,000 Last Updated 02/12/2026
24 month 24 month IRA CD	3.69%	3.75%	24 Months
Min Deposit$25,000 Last Updated 02/12/2026
12 month 12 month IRA CD	3.64%	3.70%	12 Months
Min Deposit$100,000 Last Updated 02/12/2026
9 month 9 month IRA CD	3.64%	3.70%	9 Months
Min Deposit$100,000 Last Updated 02/12/2026
24 month 24 month CD	3.59%	3.65%	24 Months
Min Deposit$25,000 Last Updated 02/12/2026
24 month 24 month IRA CD	3.59%	3.65%	24 Months
Min Deposit$500 Last Updated 02/12/2026
30 month 30 month IRA CD	3.59%	3.65%	30 Months
Min Deposit$100,000 Last Updated 02/12/2026
12 month 11 Month Add on HSA Certificate 12 month HSA CD	3.54%	3.60%	12 Months
Min Deposit$100,000 Last Updated 02/12/2026
12 month 12 month CD	3.54%	3.60%	12 Months
Min Deposit$100,000 Min Balance$100,000 DetailsN/A Last Updated 02/12/2026
12 month 12 month IRA CD	3.54%	3.60%	12 Months
Min Deposit$25,000 Last Updated 02/12/2026
9 month 9 month IRA CD	3.54%	3.60%	9 Months
Min Deposit$100,000 Last Updated 02/12/2026
24 month 24 month CD	3.49%	3.55%	24 Months
Min Deposit$500 Last Updated 02/12/2026
30 month 30 month CD	3.49%	3.55%	30 Months
Min Deposit$100,000 Last Updated 02/12/2026
30 month 30 month CD	3.49%	3.55%	30 Months
Min Deposit$100,000 Last Updated 02/12/2026
30 month 30 month IRA CD	3.49%	3.55%	30 Months
Min Deposit$25,000 Last Updated 02/12/2026
36 month 36 month IRA CD	3.49%	3.55%	36 Months
Min Deposit$100,000 Last Updated 02/12/2026
12 month 11 Month Add on HSA Certificate 12 month HSA CD	3.45%	3.50%	12 Months
Min Deposit$25,000 Last Updated 02/12/2026
12 month 12 month CD	3.45%	3.50%	12 Months
Min Deposit$25,000 Min Balance$25,000 DetailsN/A Last Updated 02/12/2026
12 month 12 month IRA CD	3.45%	3.50%	12 Months
Min Deposit$500 Last Updated 02/12/2026
9 month 9 month CD	3.45%	3.50%	9 Months
Min Deposit$100,000 Last Updated 02/12/2026
9 month 9 month HSA CD	3.45%	3.50%	9 Months
Min Deposit$100,000 Last Updated 02/12/2026
9 month 9 month IRA CD	3.45%	3.50%	9 Months
Min Deposit$25,000 Last Updated 02/12/2026
30 month 30 month CD	3.40%	3.45%	30 Months
Min Deposit$25,000 Last Updated 02/12/2026
30 month 30 month CD	3.40%	3.45%	30 Months
Min Deposit$25,000 Last Updated 02/12/2026
30 month 30 month IRA CD	3.40%	3.45%	30 Months
Min Deposit$500 Last Updated 02/12/2026
36 month 36 month CD	3.40%	3.45%	36 Months
Min Deposit$100,000 Last Updated 02/12/2026
36 month 36 month IRA CD	3.40%	3.45%	36 Months
Min Deposit$25,000 Last Updated 02/12/2026
6 month 6 month IRA CD	3.40%	3.45%	6 Months
Min Deposit$100,000 Last Updated 02/12/2026
IRA Certificate 6 month	3.40%	3.45%	6 Months
Min Deposit$100,000 Last Updated 02/12/2026
12 month 11 Month Add on HSA Certificate 12 month HSA CD	3.35%	3.40%	12 Months
Min Deposit$500 Last Updated 02/12/2026
12 month 12 month CD	3.35%	3.40%	12 Months
Min Deposit$500 Min Balance$500 DetailsN/A Last Updated 02/12/2026
9 month 9 month CD	3.35%	3.40%	9 Months
Min Deposit$25,000 Last Updated 02/12/2026
9 month 9 month HSA CD	3.35%	3.40%	9 Months
Min Deposit$25,000 Last Updated 02/12/2026
9 month 9 month IRA CD	3.35%	3.40%	9 Months
Min Deposit$500 Last Updated 02/12/2026
18 month 18 month IRA CD	3.30%	3.35%	18 Months
Min Deposit$100,000 Last Updated 02/12/2026
30 month 30 month CD	3.30%	3.35%	30 Months
Min Deposit$500 Last Updated 02/12/2026
30 month 30 month CD	3.30%	3.35%	30 Months
Min Deposit$500 Last Updated 02/12/2026
36 month 36 month CD	3.30%	3.35%	36 Months
Min Deposit$25,000 Last Updated 02/12/2026
36 month 36 month IRA CD	3.30%	3.35%	36 Months
Min Deposit$500 Last Updated 02/12/2026
6 month 6 month CD	3.30%	3.35%	6 Months
Min Deposit$100,000 Last Updated 02/12/2026
6 month 6 month IRA CD	3.30%	3.35%	6 Months
Min Deposit$500 Last Updated 02/12/2026
IRA Certificate 6 month	3.30%	3.35%	6 Months
Min Deposit$500 Last Updated 02/12/2026
9 month 9 month CD	3.25%	3.30%	9 Months
Min Deposit$500 Last Updated 02/12/2026
9 month 9 month HSA CD	3.25%	3.30%	9 Months
Min Deposit$500 Last Updated 02/12/2026
18 month 18 month CD	3.20%	3.25%	18 Months
Min Deposit$100,000 Last Updated 02/12/2026
18 month 18 month IRA CD	3.20%	3.25%	18 Months
Min Deposit$500 Last Updated 02/12/2026
36 month 36 month CD	3.20%	3.25%	36 Months
Min Deposit$500 Last Updated 02/12/2026
6 month 6 month CD	3.20%	3.25%	6 Months
Min Deposit$500 Last Updated 02/12/2026
18 month 18 month CD	3.11%	3.15%	18 Months
Min Deposit$500 Last Updated 02/12/2026
3 month 3 month CD	2.37%	2.40%	3 Months
Min Deposit$500 Last Updated 02/12/2026
48 month 48 month IRA CD	1.93%	1.95%	48 Months
Min Deposit$100,000 Last Updated 02/12/2026
60 month 60 month IRA CD	1.93%	1.95%	60 Months
Min Deposit$100,000 Last Updated 02/12/2026
IRA CD 60 month	1.93%	1.95%	60 Months
Min Deposit$100,000 Last Updated 02/12/2026
IRA Certificate 48 month	1.93%	1.95%	48 Months
Min Deposit$100,000 Last Updated 02/12/2026
48 month 48 month CD	1.83%	1.85%	48 Months
Min Deposit$100,000 Last Updated 02/12/2026
48 month 48 month IRA CD	1.83%	1.85%	48 Months
Min Deposit$500 Last Updated 02/12/2026
60 month 60 month CD	1.83%	1.85%	60 Months
Min Deposit$100,000 Last Updated 02/12/2026
60 month 60 month IRA CD	1.83%	1.85%	60 Months
Min Deposit$500 Last Updated 02/12/2026
IRA CD 60 month	1.83%	1.85%	60 Months
Min Deposit$500 Last Updated 02/12/2026
IRA Certificate 48 month	1.83%	1.85%	48 Months
Min Deposit$500 Last Updated 02/12/2026
48 month 48 month CD	1.74%	1.75%	48 Months
Min Deposit$500 Last Updated 02/12/2026
60 month 60 month CD	1.74%	1.75%	60 Months
Min Deposit$500 Last Updated 02/12/2026

Achieva Credit Union Savings Rates

Product	Rate	APY
Premium Savings Account	1.98%	2.00%
Min Deposit$250,000 DetailsMinimum balance to earn dividends: $250,000 plus Last Updated 02/12/2026
Premium Savings Account	1.59%	1.60%
Min Deposit$100,000 DetailsMinimum balance to earn dividends: $100,000 - $249,999.99 Last Updated 02/12/2026
Premium Savings Account	1.14%	1.15%
Min Deposit$50,000 DetailsMinimum balance to earn dividends: $50,000 - $99,999.99 Last Updated 02/12/2026
Premium Savings Account	1.00%	1.00%
Min Deposit$1 DetailsMinimum balance to earn dividends: $1.00 - $49,999.99 Last Updated 02/12/2026
Health Savings Account (HSA)	0.18%	0.18%
Min Deposit$1 Last Updated 02/12/2026
Business Performance Savings	0.10%	0.10%
Min Deposit$1 DetailsRates are effective on Wednesday, February 11, 2026 Last Updated 02/12/2026
Holiday Savings	0.05%	0.05%
Min Balance$0 DetailsSavings II, PAL, Summer Savings Last Updated 02/12/2026
Savings II	0.05%	0.05%
Min Balance$0 DetailsPAL, Summer Savings, Holiday Savings Last Updated 02/12/2026
Simply Savings	0.05%	0.05%
Min Balance$1 Last Updated 02/12/2026
Simply Savings including all minor savings accounts	0.05%	0.05%
Min Balance$1 Last Updated 02/12/2026
Summer Savings	0.05%	0.05%
Min Balance$0 DetailsSavings II, PAL, Holiday Savings Last Updated 02/12/2026

Achieva Credit Union Money Market Rates

Product	Rate	APY
Indexed Money Market Account	2.77%	2.81%
Min Deposit$250,000 DetailsMinimum balance to earn dividends Last Updated 02/12/2026
Indexed Money Market Account	2.56%	2.59%
Min Deposit$100,000 DetailsMinimum balance to earn dividends Last Updated 02/12/2026
Business Performance Money Market	2.37%	2.40%
Min Deposit$1,000,000 Last Updated 02/12/2026
Indexed Money Market Account	1.86%	1.88%
Min Deposit$10,000 DetailsMinimum balance to earn dividends Last Updated 02/12/2026
Business Performance Money Market	1.79%	1.80%
Min Deposit$500,000 Last Updated 02/12/2026
Business Performance Money Market	1.69%	1.70%
Min Deposit$250,000 Last Updated 02/12/2026
Business Performance Money Market	1.24%	1.25%
Min Deposit$150,000 Last Updated 02/12/2026
Business Performance Money Market	0.75%	0.75%
Min Deposit$50,000 Last Updated 02/12/2026
Indexed Money Market Account	0.75%	0.75%
Min Deposit$250,000 Min Balance$250,000 DetailsMember of 0-5 years Last Updated 02/12/2026
Business Performance Money Market	0.65%	0.65%
Min Deposit$5,000 Last Updated 02/12/2026
Indexed Money Market Account	0.60%	0.60%
Min Deposit$150,000 Min Balance$150,000 DetailsMember of 0-5 years Last Updated 02/12/2026
Premier Money Market Account	0.55%	0.55%
Min Deposit$1,000,000 Last Updated 02/12/2026
Indexed Money Market Account	0.50%	0.50%
Min Deposit$75,000 Min Balance$75,000 DetailsMember of 0-5 years Last Updated 02/12/2026
Premier Money Market Account	0.50%	0.50%
Min Deposit$500,000 Last Updated 02/12/2026
Indexed Money Market Account	0.45%	0.45%
Min Deposit$25,000 Min Balance$25,000 DetailsMember of 0-5 years Last Updated 02/12/2026
Premier Money Market Account	0.45%	0.45%
Min Deposit$250,000 Last Updated 02/12/2026
Premier Money Market Account	0.40%	0.40%
Min Deposit$150,000 Last Updated 02/12/2026
Premier Money Market Account	0.35%	0.35%
Min Deposit$50,000 Last Updated 02/12/2026
Premier Money Market Account	0.30%	0.30%
Min Deposit$2,000 Last Updated 02/12/2026

Achieva Credit Union Checking Rates

Product	Rate	APY
Business IOTA Checking	2.67%	2.70%
No additional details. Last Updated 02/12/2026
Achieva Checking Plus Account	1.00%	1.00%
No additional details. Last Updated 02/12/2026
Business Performance Interest Checking	0.10%	0.10%
DetailsCall 800.593.2274 or visit a branch Last Updated 02/12/2026

Achieva Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
FHA 30 Year Fixed Rate	6.13%	-	6.24%	30 Year
No additional details. Last Updated 02/12/2026
VA 30 Year Fixed Rate	6.13%	-	6.24%	30 Year
No additional details. Last Updated 02/12/2026
20 Years Up to 90% Loan To Value (LTV)	7.13%	-	7.67%	20 Years
DetailsMaximum Combined Loan to Value (CLTV): 80% Last Updated 02/12/2026
3/1 Vacant Land Loan	6.25%	-	7.71%	3/1
No additional details. Last Updated 02/12/2026

Achieva Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Line of Credit	-	-	6.75%	180 Months
DetailsUp to 80% Loan To Value (LTV) Last Updated 02/12/2026
Home Equity Loan	6.50%	-	7.01%	5 Years
Details70% CLTV Last Updated 02/12/2026
10 Years Home Equity Loan	6.75%	-	7.03%	10 Years
Details70% CLTV Last Updated 02/12/2026
Home Equity Loan	6.75%	-	7.03%	10 Years
Details70% CLTV Last Updated 02/12/2026
15 Years Home Equity Loan	6.88%	-	7.08%	15 Years
Details70% CLTV Last Updated 02/12/2026
Home Equity Loan	6.75%	-	7.27%	5 Years
Details80% CLTV Last Updated 02/12/2026
10 Years Home Equity Loan	7.00%	-	7.28%	10 Years
Details80% CLTV Last Updated 02/12/2026
Home Equity Loan	7.00%	-	7.28%	10 Years
Details80% CLTV Last Updated 02/12/2026
15 Years Home Equity Loan	7.13%	-	7.46%	15 Years
Details80% CLTV Last Updated 02/12/2026
Home Equity Line of Credit	-	-	7.50%	180 Months
DetailsUp to 90% Loan To Value (LTV) Last Updated 02/12/2026
Home Equity Loan	7.75%	-	8.29%	5 Years
Details90% CLTV Last Updated 02/12/2026
10 Years Home Equity Loan	8.00%	-	8.30%	10 Years
Details90% CLTV Last Updated 02/12/2026
Home Equity Loan	8.00%	-	8.30%	10 Years
Details90% CLTV Last Updated 02/12/2026
15 Years Home Equity Loan	8.13%	-	8.47%	15 Years
Details90% CLTV Last Updated 02/12/2026

Achieva Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto Loan	-	-	4.75%	36 Months
No additional details. Last Updated 02/12/2026
New Auto Loan	-	-	5.00%	63 Months
No additional details. Last Updated 02/12/2026
New Auto Loan	-	-	5.25%	75 Months
No additional details. Last Updated 02/12/2026
New Auto Loan	-	-	6.00%	84 Months
No additional details. Last Updated 02/12/2026

Achieva Credit Union Personal Loan Rates

Product	Rate	Points	APR	Term	View More
Personal Loan	-	-	11.00%	12 Months
No additional details. Last Updated 02/12/2026

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

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

Full Time Employees: 530
Part Time Employees: 35
President: Janet Cantees
CEO: Eric Jenkins
Branch Locations: 28
ATM Locations: 26

Corporate Office Address:

1659 Achieva Way
Dunedin, FL 34698 7405
Phone Number: 727-431-7680
Fax Number:

Financials

Total Assets:

3,012,814,054

Total Amount of Shares and Deposits:

2,715,711,089

Total Shares and Deposits < 1 Year:

2,654,504,272

Total Shares and Deposits 1 3 Years:

52,074,393

Total Shares and Deposits > 3 Years:

9,132,423

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

221,642,651

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

221,642,651

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

2,494,068,438

Total Interest Expense (Sum of items 6 8):

33,958,218

Share Certificates:

19,323

Number of Accounts for Share Drafts:

109,201

IRA KEOGH Accounts:

7,137

Number of Accounts for Regular Shares:

256,407

All other shares:

956

Non Member Deposits:

Money Market Shares:

5,218

Total Cash on Deposit (Amounts Deposited in Financial Institutions):

131,627,930

Total Liabilities:

2,758,455,582

Source: NCUA Last Updated 09/30/2025

Customer Reviews

ziIr

★★★★★

December 17, 2025

UbKN

Average Rating

★★★★★

Total Reviews

Add Your Rating and Review for Achieva Credit Union

Frequently Asked Questions About Achieva Credit Union

Is a member application needed to join Achieva Credit Union?

Yes, to access services at Achieva Credit Union, a member application is required.

Is there a first-time homebuyer program?

Currently, Achieva Credit Union provides a range of mortgage and home equity products.

Is Achieva Credit Union a safe place to deposit money?

Yes, Achieva Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor.

Does Achieva Credit Union offer online and mobile banking?

Most modern institutions like Achieva Credit Union provide digital access including online balance checks and transfers.

Current Achieva Credit Union Rates

Product	APY
12-Month CD	3.40%
18-Month CD	3.15%
24-Month CD	3.55%
36-Month CD	3.25%
48-Month CD	1.75%
60-Month CD	1.75%
Savings	0.05%
MMA	0.30%
30-Year Fixed	6.24%
Personal Loan	11.00%