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Member Service Center 727.431.7680 | 800.593.2274

Rates

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Loan

Mortgage

Checking

Save & Invest

Credit Card

Business

Auto Rates

New Auto

APR as low as


Up to 36 Months

2.75%

37 to 63 Months

3.50

64 to 75 Months

4.00

Used Auto

APR as low as


Up to 36 Months

3.00

37 to 63 Months

3.75

64 to 75 Months

4.00

APR= Annual Percentage Rate and is based on loan term, credit and collateral qualifications. For a new auto loan of $25,000.00, a term of 60 months, a 730 credit score, an APR of 3.50%, your monthly payment would be $454.81. For a 2013 model year, a loan amount of $10,000,00, a term of 48 months, a 730 credit score, an APR of 5.00%, your monthly payment would be $230.30.

*Rates based on FICO, age of collateral and term.

Boat/RV Rates

New & Used

Fixed APR as low as

Variable APR as low as


Up to 60 Months

4.75%

7.25%

61-84 Months

4.95%

7.25%

85-120 Months

5.25%

7.25%

121-180 Months

6.25%

7.25%

APR = Annual Percentage Rate. Up to 90% financing with minimum payment of $100. Example: For a typical fixed rate loan with a loan amount of $30,000, a term of 84 months and an Annual Percentage Rate of 4.95% the monthly payment would be $ 423.32. For variable rate loans, the disclosed APR may increase after consummation. This could result in higher payments or an increase in the number of payments required to pay the loan in full. Rates are based on FICO and term.

Motorcycle Rates

New & Used

APR as low as


Up to 60 Months

5.25%

For a typical loan with a loan amount of $10,000, a term of 48 Months and an Annual Percentage Rate of 4.25%, the monthly payment would be $226.90.

Signature Loan Rates

Signature

APR as low as


Up to 60 Months

8.90%

A typical unsecured fixed-rate loan financed for $5,000, with a term of 60 Months and an Annual Percentage Rate of 8.90%, would be repaid in monthly payments of $103.57.

Cash Secured Loans

Type

Term

APR


Savings Secured

Up to 120 months

3.00% over the rate paid on the account

Certificate of Deposit Secured

Loan matures with the maturity of certificate

3.00% over the rate paid on the account

A typical Savings Secured loan of $5,000, with a term of 60 months and an APR of 3.20% would require monthly payments of $90.31. Interest rate may vary resulting in an increase or decrease in the number of monthly payments required.
A typical Certificate of Deposit Secured loan of $5,000, with a term of 36 months and an APR of 4.75% would require monthly payments of $149.32.
Savings secured loan rates will change based on the fluctuation of the savings account's rate. Certificate Loan rate is fixed for the term of the certificate.

Mortgage Rates

Click on each mortgage type to learn more about it

Type

Rate

APR

Points


5.125%

5.412%

0.0%

5.000%

5.115%

0.0%

5.125%

5.398%

0.0%

5.125%

5.283%

0.0%

4.375%

4.57%

0.0%

4.250%

4.404%

0.0%

4.500%

4.739%

0.0%

4.250%

4.654%

0.0%

4.125%

4.665%

0.0%

Home Equity Line of Credit

LTV

Term

Variable Introductory APR as low as

Fully Indexed Variable APR as low as


Up to 90% LTV

180 Months

6.125%

6.125%

APR = Annual Percentage Rate. The variable APR for a Home Equity Line of credit is the lowest available and is the introductory APR for the first 6 months. Your qualified APR for the initial 6 months and beyond is determined by various factors and will be disclosed to you at final approval. At this time the fixed margin may vary from 0 to +4.75% over the variable index (Prime Rate as published in the Wall Street Journal on the 15th day of the prior month). After the initial 6 months, your qualified APR may adjust up or down based on the movement of the index but never more frequently than every 6 months and is limited to a maximum of 1% for each occurrence. The APR will never be lower than 5% and can never increase more than 6% over your qualified APR (maximum 18%). Interest rate adjustments may result in an increase in payment amount and loan term. Fees up to $650.00 will be paid by the Credit Union with an advance of at least $10,000 on the day of disbursement. Achieva offers this benefit up to two times per property. Property insurance is required. Minimum loan amount is $10,000.

Credit Card Rates

Achieva MasterCard Credit Cards


Cash Rewards MasterCard, Platinum MasterCard

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for purchases

9.90% to 17.90% when you open your account, based on your creditworthiness

APR for Balance Transfers

9.90% to 17.90% when you open your account, based on your creditworthiness

APR for Cash Advances

9.90% to 17.90% when you open your account, based on your creditworthiness

Penalty for APR and When it Applies None
Paying Interest We will begin charging interest on cash advances and balance transfers on the transaction date. Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month.
Minimum Interest Charge None
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit Consumer Financial Protection Bureau website at http://www.consumerfinance.gov/learnmore
Fees
Annual Fee None
Transaction Fees
  • Balance Transfer
None
  • Cash Advance
None
  • Foreign Transaction
None
Penalty Fees
  • Late Payment
$25
  • Over-the-Credit Limit
None
  • Returned Payment
$10
How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See your account agreement for more details.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.
APRs are correct as of November 2016 and subject to change. Your qualified APR will be disclosed to you prior to, or at, account opening. For our current rates, visit www.achievacu.com, call 727.431.7680 or 800.593.2274, or visit your local Achieva branch.

The following rates are effective on Wednesday, November 14, 2018

All advertised rates are subject to change without notice. APY=Annual Percentage Yield. Share accounts are variable rate accounts, the rate may change after the account is opened. Fees could reduce the earnings on the account.

Achieva Checking Plus

Dividend Rate

APY


Achieva Checking Plus

.499%

.50%

You may earn interest on the Achieva Checking Plus Account when you have 18 posted transactions per checking statement cycle, using your Achieva debit or credit card or a combination of both. The APY shown above for the Achieva Checking Plus Account can be earned for balances up to and including $15,000. Balances over $15,000 earn .15%.

Savings Rates

Savings Accounts

Dividend Rate

APY


Simply Savings including all minor savings accounts - Minimum balance to earn dividends: $1

.10%

.10%

Savings II, PAL, Summer Savings, Holiday Savings - No minimum balance required

.10%

.10%

Money Market Rates

Premier Money Market

Dividend Rate

APY


Premier MMA - Minimum balance to earn dividends: $2,000

.20%

0.20

Premier MMA - Minimum balance to earn dividends: $50,000

.349%

.35%

IRA Savings Rates

(Includes Traditional and Roth)
Minimum indicates required amount to earn dividends.

Dividend Rate

APY


Minimum Balance $1

.10%

.10%

Minimum Balance $25,000

.20%

.20%

Minimum Balance $50,000

.30%

.30%

CoverDell Education Savings Rates

Minimum indicates required amount to earn dividends.

Dividend Rate

APY


Minimum Balance $1

.10%

.10%

Minimum Balance $25,000

.20%

.20%

Minimum Balance $50,000

.30%

.30%

457B Savings Rates

Minimum indicates required amount to earn dividends.

Dividend Rate

APY


Contact us for current rates and eligibility requirements.

IRA/457B Certificate of Deposit Rates

(Includes Traditional and Roth)
Minimum indicates required amount to earn interest.
Achieva members with an active Achieva Checking account or credit card will receive a preferred rate increase in the APR of a new or renewing CD.

IRA Certificate of Deposit (CD)

Interest Rate

APY


6 mo. ($500 minimum)

1.094%

1.10%

6 mo. Plus ($25,000 minimum)

1.193%

1.20%

6 mo. Plus ($75,000 minimum)

1.292%

1.30%

12 mo. ($500 minimum)

1.490%

1.50%

12 mo. Plus ($25,000 minimum)

1.588%

1.60%

12 mo. Plus ($75,000 minimum)

1.687%

1.70%

18 mo. ($500 minimum)

2.618%

2.65%

18 mo. Plus ($25,000 minimum)

2.716%

2.75%

18 mo. Plus ($75,000 minimum)

2.813%

2.85%

24 mo. ($500 minimum)

1.982%

2.00%

24 mo. Plus ($25,000 minimum)

2.080%

2.10%

24 mo. Plus ($75,000 minimum)

2.178%

2.20%

30 mo. ($500 minimum)

1.982%

2.00%

30 mo. Plus ($25,000 minimum)

2.080%

2.10%

30 mo. Plus ($75,000 minimum)

2.178%

2.20%

36 mo. ($500 minimum)

2.129%

2.15%

36 mo. Plus ($25,000 minimum)

2.227%

2.25%

36 mo. Plus ($75,000 minimum)

2.325%

2.35%

48 mo. ($500minimum)

2.325%

2.35%

48 mo. Plus ($25,000 minimum)

2.423%

2.45%

48 mo. Plus ($75,000 minimum)

2.521%

2.55%

60 mo. ($500minimum)

2.911%

2.95%

60 mo. Plus ($25,000 minimum)

3.008%

3.05%

60 mo. Plus ($75,000 minimum)

3.057%

3.10%

To earn the APY shown for Certificate of Deposits assume that interest stays on the account and reflect a yearly compounded yield. Interest on your certificate of deposit is available when posted to the account without penalty. A penalty may apply to early principal or interest withdrawal on certificate of deposit and fees may reduce earnings. Rates on Savings, Interest Checking, and Money Market accounts are variable and subject to change.

Certificate of Deposit Rates

Minimum indicates required amount to earn dividends.

Certificate of Deposit (CD)

Interest Rate

APY


6 mo. ($500 minimum)

0.847%

0.85%

6 mo. ($25,000)

0.946%

0.95%

6 mo. ($75,000)

1.045%

1.05%

12 mo. ($500 minimum)

1.243%

1.25%

12 mo. ($25,000)

1.342%

1.35%

12 mo. ($75,000)

1.440%

1.45%

18 mo. ($500 minimum)

2.325%

2.35%

18 mo. ($25,000)

2.423%

2.45%

18 mo. ($75,000)

2.521

2.55%

24 mo. ($500 minimum)

1.638%

1.65%

24 mo. ($25,000)

1.736%

1.75%

24 mo. ($75,000)

1.834%

1.85%

30 mo. ($500 minimum)

1.736%

1.75%

30 mo. ($25,000)

1.834%

1.85%

30 mo. ($75,000)

1.933%

1.95%

36 mo. ($500 minimum)

1.884%

1.90%

36 mo. ($25,000)

1.982%

2.00%

36 mo. ($75,000)

2.080%

2.10%

48 mo. ($500 minimum)

2.031%

2.05%

48 mo. ($25,000)

2.129%

2.15%

48 mo. ($75,000)

2.227%

2.25%

60 mo. ($500 minimum)

2.618%

2.65%

60 mo. ($25,000)

2.716%

2.75%

60 mo. ($75,000)

2.813%

2.85%

To earn the APY shown for Certificate of Deposits assume that interest stays on the account and reflect a yearly compounded yield. Interest on your certificate of deposit is available when posted to the account without penalty. A penalty may apply to early principal or interest withdrawal on certificate of deposit and fees may reduce earnings. Rates on Savings, Interest Checking, and Money Market accounts are variable and subject to change. This “Schedule of Deposit Rates” is an integral part of our Account Universal Agreement brochure.

HSA Rates

Health Savings Account

Dividend Rate

APY


Minimum balance to earn dividends: $1

.15%

.15%

HSA Certificates of Deposit

Interest Rate

APY


6 mo. ($500 minimum balance to earn interest)

0.55%

0.55%

6 mo. Plus ($25,000 minimum balance to earn interest)

0.65%

0.65%

6 mo. Plus ($75,000 minimum balance to earn interest)

0.75%

0.75%

12 mo. ($500 minimum balance to earn interest)

0.85%

0.85%

12 mo. Plus ($25,000 minimum balance to earn interest)

0.95%

0.95%

12 mo. Plus ($75,000 minimum balance to earn interest)

1.045%

1.05%

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