Business rates & fees

Business rates & fees

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800.593.2274

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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.

Note for printing:  Select the rate section you wish to print, then click the printer icon on the side of the page and follow the prompts.

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for purchases 13.90% to 23.90% when you open your account, based on your creditworthiness
APR for Balance Transfers 13.90% to 23.90% when you open your account, based on your creditworthiness
APR for Cash Advances 13.90% to 23.90% 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
Fees
Annual Fee None
Transaction Fees
Balance Transfer None
Cash Advance None
Foreign Transaction 1%
Penalty Fees
Late Fee $25
Over Limit Fee $35
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.

*APR = Annual Percentage Rate. Standard APR of 13.90% to 23.90% for balance transfers, purchases and cash advances will apply based on your creditworthiness. Additional limitations, terms and conditions may apply. Contact us for more information. For our current rates or additional information, visit www.achievacu.com/rates, call 727.431.7680 or 800.593.2274, or visit your local Achieva branch.

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Business Schedule of Fees | Business Mastercard Credit Card Agreement

Performance Savings Dividend Rate APY
Minimum balance to earn dividends: $1 0.100% 0.10%

Dividends are calculated on the daily balance with a rate frequency of 365 days per year. They accrue daily and post monthly on the account. *APY shown is currently accurate and subject to change. Fees may reduce earnings.

Performance Money Market Dividend Rate APY
Minimum balance to earn dividends: $5,000 0.648% 0.65%
Minimum balance to earn dividends: $50,000 0.747% 0.75%
Minimum balance to earn dividends: $150,000 1.104% 1.11%
Minimum balance to earn dividends: $250,000 1.203% 1.21%
Minimum balance to earn dividends: $500,000 1.302% 1.31%
Minimum balance to earn dividends: $1,000,000 1.401% 1.41%

Dividends are calculated on the daily balance with a rate frequency of 365 days per year. They accrue daily and post monthly on the account. *APYs shown are currently accurate and subject to change. Fees may reduce earnings.

Business IOTA Checking Dividend Rate APY
Business IOTA Checking 3.348% 3.40%

Dividends are calculated on the daily balance with a rate frequency of 365 days per year. Interest accrues daily and is posted monthly on the account. *APY shown is currently accurate and subject to change. Fees may reduce earnings.

Performance Interest Checking Dividend Rate APY
Performance Interest Checking 0.10% 0.10%

Dividends are calculated on the daily balance with a rate frequency of 365 days per year. They accrue daily and post monthly on the account. *APY shown is currently accurate and subject to change. Fees may reduce earnings.

Account Analysis can only be added to the Performance Interest Checking account at an Earnings Credit Rate (ECR) of 0.25% APY. Earnings Credit applies to fees billed during the given statement cycle only and may not be carried forward or paid out. Achieva Credit Union does not apply a float or reserve to ECR calculations. Earnings credit rate is calculated by multiplying the average daily balance by the rate, divided by 365, then multiplied by the number of days in the given statement cycle.

Account Analysis Earning Credit Rate (ECR)

.25% ECR

Performance Certificate of Deposit Dividend Rate APY
3 mo. ($500 minimum) 2.472% 2.50%
6 mo. ($500 minimum) 4.410% 4.50%
6 mo. ($75,000) 4.554% 4.65%
9 mo. ($500 minimum) 4.65% 4.75%
12 mo. ($500 minimum) 4.698% 4.80%
12 mo. ($75,000) 4.793% 4.90%
18 mo. ($500 minimum) 4.169% 4.25%
18 mo. ($75,000) 4.314% 4.40%
19 mo. ($500 minimum) 4.841% 4.95%
19 mo. ($75,000) 4.937% 5.05%
24 mo. ($500 minimum) 4.169% 4.25%
24 mo. ($75,000) 4.314% 4.40%
30 mo. ($500 minimum) 3.445% 3.50%
30 mo. ($75,000) 3.542% 3.60%
36 mo. ($500 minimum) 3.445% 3.50%
36 mo. ($75,000) 3.542% 3.60%
42 mo. ($500 minimum) 2.667% 2.70%
42 mo. ($75,000) 2.765% 2.80%
48 mo. ($500 minimum) 3.445% 3.50%
48 mo. ($75,000) 3.542% 3.60%
60 mo. ($500 minimum) 3.251% 3.30%
60 mo. ($75,000) 3.348% 3.40%

APY=Annual Percentage Yield. 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. Certificate of Deposits are available to individuals who live or work in our 15-county area of membership, or work for a company or association that is based in our area of membership. County service area: Charlotte, Collier, DeSoto, Glades, Hardee, Hendry, Hernando, Highlands, Hillsborough, Lee, Manatee, Monroe, Pasco, Pinellas, and Sarasota.

The 42-Month Promotional Certificate is available to individuals who live or work in our 15-county area of membership, or a company or association that is based in our area of membership. County service area: Charlotte, Collier, DeSoto, Glades, Hardee, Hendry, Hernando, Highlands, Hillsborough, Lee, Manatee, Monroe, Pasco, Pinellas, Sarasota. This CD contains a special add-on feature which allows you to make subsequent deposits (“add-ons”) to your 42-month certificate at any time prior to maturity. Add-ons may be made as frequently as desired, however deposits must be made in increments of no less than $50 and subsequent deposits will not increase the APY. The total account add-on amount may not exceed $1,000,000 per certificate term. Subsequent add-ons to the 42-Month Promotional Certificate will not be eligible for the APY at the next tier. This special add-on feature is only applicable during the 42-month term of the promotional certificate and will not apply after maturity, even when account proceeds roll into another Credit Union certificate unless otherwise disclosed at renewal. Early withdrawal penalties apply based on the total amount on deposit at the time of withdrawal. Fees may reduce earnings. Refer to the Rate Schedule and Truth in Savings Disclosure for complete details. Programs, rates, terms, conditions and services are subject to change without notice.

19 month special -- APY=Annual Percentage Yield and is effective as of 01/26/2024. * Minimum opening balance of $500 is required to earn stated APY. To earn the APY shown for Certificate of Deposits (CDs) assume that interest stays on the account and reflects a yearly compounded yield. Interest on your CD is available when posted to the account without penalty. Upon maturity, your CD will automatically renew to an 18-month term at the then-current CD rate. A penalty may apply to early principal or interest withdrawals and fees may reduce earnings. Rates and fees on Savings, Interest Checking, and Money Market accounts are variable and subject to change. Refer to the Rate Schedule, Schedule of Fees, Certificate Disclosure and Truth in Savings Disclosure for complete details.


Performance Certificate of Deposit (CD) Special Interest Rate APY
19 mo. ($500 minimum) 4.841% 4.95%
19 mo. ($75,000) 4.937% 5.05%

Call 800.593.2274 or visit a branch to open your CD and start saving today.