Rates are effective on Monday, December 10, 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.

Loans

Auto Rates

New
Terms APR as low as
Up to 36 Months 2.75%
37 to 63 Months 3.50
64 to 75 Months 4.00
Used
Terms 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.

Boat/RV Rates

New & Used
terms 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
Terms 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
Terms 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.

Mortgage

Mortgage Rates
Type Rate APR Points
30 Year Fixed Rate (VA) 5.000% 5.285% 0.0%
30 Year Fixed Rate (FNMA) 5.250% 5.367% 0.0%
30 Year Fixed Rate (FHA) 5.000% 5.271% 0.0%
20 Year Fixed Rate (FNMA) 5.000% 5.157% 0.0%
15 Year Fixed Rate 4.375% 4.57% 0.0%
10 Year Fixed Rate 4.250% 4.529% 0.0%
10/1 ARM 4.500% 4.739% 0.0%
7/1 ARM 4.250% 4.654% 0.0%
5/1 ARM 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

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.

Checking

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 & Investments

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%
Relationship Money Market
Member of 0 - 4 years Dividend Rate APY
Minimum Deposit to Earn Dividends $25,000 0.449% 0.450%
Minimum Deposit to Earn Dividends $75,000 0.549% 0.550%
Minimum Deposit to Earn Dividends $150,000 0.648% 0.650%
Minimum Deposit to Earn Dividends $250,000 0.747% 0.750%
Member of 5 - 14 years Dividend Rate APY
Minimum Deposit to Earn Dividends $25,000 0.549% 0.550%
Minimum Deposit to Earn Dividends $75,000 0.648% 0.650%
Minimum Deposit to Earn Dividends $150,000 0.747% 0.750%
Minimum Deposit to Earn Dividends $250,000 0.847% 0.850%
Member of 15 - 24 years Dividend Rate APY
Minimum Deposit to Earn Dividends $25,000 0.598% 0.600%
Minimum Deposit to Earn Dividends $75,000 0.698% 0.700%
Minimum Deposit to Earn Dividends $150,000 0.797% 0.800%
Minimum Deposit to Earn Dividends $250,000 0.896% 0.900%
Member of 25+ years Dividend Rate APY
Minimum Deposit to Earn Dividends $25,000 0.648% 0.650%
Minimum Deposit to Earn Dividends $75,000 0.747% 0.750%
Minimum Deposit to Earn Dividends $150,000 0.847% 0.850%
Minimum Deposit to Earn Dividends $250,000 0.946% 0.950%

IRA Savings Rates
Dividend Rate APY
Minimum Balance $1 .10% .10%
Minimum Balance $25,000 .20% .20%
Minimum Balance $50,000 .30% .30%

CoverDell Education Savings Rates
Dividend Rate APY
Minimum Balance $1 .10% .10%
Minimum Balance $25,000 .20% .20%
Minimum Balance $50,000 .30% .30%

457B Savings Rates
457B Savings 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 and 457B 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
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%