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Consumer rates & fees

Consumer 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.

New Auto APR as low as
Up to 36 Months 6.50%
37 to 63 Months 7.00%
64 to 75 Months 7.25%
76 to 84 Months 8.00%

Used Auto* APR as low as
Up to 36 Months 6.75%
37 to 63 Months 7.25%
64 to 75 Months 7.50%

APR=Annual Percentage Rate and is based on loan term, credit and collateral qualifications. On a loan amount of $15,000 with an APR of 6.50% and a 36-month term, your monthly payment would be $459.74. Commercial use vehicles are not eligible. Internal refinances may be subject to $200 refinance fee. If you choose to refinance your loan with Achieva Credit Union, we may be able to reduce your APR. However, if you choose a loan term that is longer than the term left on your current loan, you will pay interest over a longer period of time and the overall cost of the loan may be higher. Rates are subject to change without notice. All loans are subject to approval. Membership qualifications apply. .50bps rate reduction for auto refinances.

*Additional terms/rates available for model years 2018 and older.

New & Used Fixed APR as low as
Up to 60 Months 7.25%
61-84 Months 8.00%
85-120 Months 8.25%
121-180 Months 8.50%
181-240 Months 9.00%

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 60 months, a minimum FICO score of 730 and an Annual Percentage Rate of 7.25% the monthly payment would be $ 597.66. If you choose to refinance your loan with Achieva Credit Union, we may be able to reduce your APR. However, if you choose a loan term that is longer than the term left on your current loan, you will pay interest over a longer period of time and the overall cost of the loan may be higher. Rates are subject to change without notice. All loans are subject to approval. Membership qualifications apply.

New & Used APR as low as
Up to 72 Months 7.50%

APR= Annual Percentage Rate. For a typical loan with a loan amount of $15,000, with a credit score of 730, a term of 72 Months and an Annual Percentage Rate of 7.50%, the monthly payment would be $259.35. If you choose to refinance your loan with Achieva Credit Union, we may be able to reduce your APR. However, if you choose a loan term that is longer than the term left on your current loan, you will pay interest over a longer period of time and the overall cost of the loan may be higher. Rates are subject to change without notice. All loans are subject to approval. Membership qualifications apply.

New & Used APR as low as
Up to 72 Months 7.50%

APR= Annual Percentage Rate. For a typical loan with a loan amount of $15,000, with a credit score of 730, a term of 72 Months and an Annual Percentage Rate of 7.50%, the monthly payment would be $259.35. If you choose to refinance your loan with Achieva Credit Union, we may be able to reduce your APR. However, if you choose a loan term that is longer than the term left on your current loan, you will pay interest over a longer period of time and the overall cost of the loan may be higher. Rates are subject to change without notice. All loans are subject to approval. Membership qualifications apply.

New & Used APR as low as
Up to 36 Months 8.50%
Up to 60 Months 9.50%

APR= Annual Percentage Rates. For a typical loan with a loan amount of $15,000, with a credit score of 730, a term of 36 months and an Annual Percentage Rate of 8.50%, the monthly payment would be $473.51. If you choose to refinance your loan with Achieva Credit Union, we may be able to reduce your APR. However, if you choose a loan term that is longer than the term left on your current loan, you will pay interest over a longer period of time and the overall cost of the loan may be higher. Rates are subject to change without notice. All loans are subject to approval. Membership qualifications apply

Personal APR as low as
Up to 12 Months 11.00%

APR = Annual Percentage Rate. A typical unsecured fixed-rate loan financed for $2,500, with a credit score of 730, with a term of 12 months and an Annual Percentage Rate of 11.00%, would be repaid in monthly payments of $220.97 . If you choose to refinance your loan with Achieva Credit Union, we may be able to reduce your APR. However, if you choose a loan term that is longer than the term left on your current loan, you will pay interest over a longer period of time and the overall cost of the loan may be higher. Rates are subject to change without notice. All loans are subject to approval. Membership qualifications apply. Additional rates/terms available.


Type Term APR
Savings Secured Up to 120 months 2.95% over the rate paid on the account
Certificate of Deposit Secured Loan matures with the maturity of certificate 1.89% 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 3.00% would require monthly payments of $89.84. 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 2.49% would require monthly payments of $88.72.

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.

Qualifying rate and product parameters will vary based on many factors including: loan type and purpose, loan to value ratio, property location, property type, property use, rate lock period, market conditions and individual creditworthiness. Programs, rates, terms, conditions, products and services are subject to change without notice.

Type Rate APR Points
6.625% 6.771% 0.0%
7.000% 7.030% 0.0%
7.000% 7.119% 0.0%
7.000% 7.091% 0.0%
7.000% 8.164% 0.0%
7.000% 8.164% 0.0%
6.500% 7.541% 0.0%
6.625% 7.690% 1.0%
6.625% 7.415% 0.0%
6.750% 7.464% 1.0%
6.750% 7.326% 0.0%
7.125% 7.502% 0.0%
6.875% 6.952% 0.0%
7.250% 7.266% 0.0%
6.875% 8.037% 0.0%
LTV Term Variable Introductory APR as low as Fully Indexed Variable APR as low as
Up to 90% LTV 180 Months 8.50% 8.50%

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 +4.375% 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 5.00% and can never increase more than 6% over your qualified APR (maximum 18%). Interest rate adjustments may result in an increase in your payment amount and loan term. Property insurance is required. Minimum loan amount is $10,000.

Maximum Combined
Loan to Value
Term Rate1 Points APR2 P&I Payment2
90% CLTV 15 Years 9.00% 0 9.095% $507.13
80% CLTV 15 Years 8.00% 0 8.092% $477.83
70% CLTV 15 Years 7.75% 0 7.842% $470.64
90% CLTV 10 Years 8.50% 0 8.599% $619.93
80% CLTV 10 Years 7.50% 0 7.597% $593.51
70% CLTV 10 Years 7.25% 0 7.346% $587.01
90% CLTV 5 Years 8.25% 0 8.429% $1,019.81
80% CLTV 5 Years 7.25% 0 7.427% $995.97
70% CLTV 5 Years 7.00% 0 7.177% $990.06

1 Interest rate based on the combined loan to value (CLTV).

2 APR and Principle & Interest (P&I) Payment based on a loan amount of $50,000.

Financing available up to 90%; certain credit restrictions apply.
Programs, rates, terms, conditions, products and services are subject to change without notice.

Achieva Mastercard Credit Cards
Cash Rewards Mastercard

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for purchases and cash advances 12.49% to 25.49% when you open your account, based on your creditworthiness
APR for Balance Transfers 0.0% Promotional APR on balance transfers posted through the May 2024 billing cycle. Rate applies through December 2024 billing cycle. After that, your qualified APR of 12.49% to 25.49% will apply.
Penalty APR and When it Applies None
How to Avoid Paying Interest on Purchases 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 https://www.consumerfinance.gov/learnmore/
Fees
Annual Fee None
Transaction Fees
Balance Transfer 4.0% - $20 Minimum
Cash Advance None
Foreign Transaction 1% of each transaction in U.S. Dollars
Penalty Fees
Late Payment Up to $40
Over-the-credit Limit $35
Returned Payment Up to $35

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 Mastercard Credit Card agreement.

APRs are correct as of February 1, 2024 and subject to change. Your qualified APR will be disclosed to you prior to, or at, account opening. For our current rates, call 727.431.7680 or 800.593.2274 , or visit your local Achieva branch. Consumer Mastercard Agreement

Achieva Checking Plus Account Dividend Rate APY
.995% 1.00%

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 .10%.

Savings Account Dividend Rate APY
Simply Savings including all minor savings accounts - Minimum balance to earn dividends: $1 0.050% 0.05%
Savings II, PAL, Summer Savings, Holiday Savings - No minimum balance required 0.050% 0.05%
Premium Savings Account Dividend Rate APY
$1.00 - $49,999.99 1.736% 1.75%
$50,000 - $99,999.99 2.227% 2.25%
$100,000 - $249,999.99 2.716% 2.75%
$250,000 plus 3.203% 3.25%

Premier Money Market Dividend Rate APY
Premier MMA - Minimum balance to earn dividends: $2,000 0.300% 0.30%
Premier MMA - Minimum balance to earn dividends: $50,000 0.349% 0.35%
Premier MMA - Minimum balance to earn dividends: $150,000 0.399% 0.40%
Premier MMA - Minimum balance to earn dividends: $250,000 0.449% 0.45%
Premier MMA - Minimum balance to earn dividends: $500,000 0.499% 0.50%
Premier MMA - Minimum balance to earn dividends: $1,000,000 0.549% 0.55%

Member of 0-5 years Dividend Rate APY
Minimum Deposit to Earn Dividends $25,000 0.449% 0.45%
Minimum Deposit to Earn Dividends $75,000 0.499% 0.50%
Minimum Deposit to Earn Dividends $150,000 0.598% 0.60%
Minimum Deposit to Earn Dividends $250,000 0.747% 0.75%

Member of 5-14 years Dividend Rate APY
Minimum Deposit to Earn Dividends $25,000 0.499% 0.50%
Minimum Deposit to Earn Dividends $75,000 0.549% 0.55%
Minimum Deposit to Earn Dividends $150,000 0.747% 0.75%
Minimum Deposit to Earn Dividends $250,000 0.896% 0.90%

Member of 15-24 years Dividend Rate APY
Minimum Deposit to Earn Dividends $25,000 0.598% 0.60%
Minimum Deposit to Earn Dividends $75,000 0.598% 0.60%
Minimum Deposit to Earn Dividends $150,000 0.896% 0.90%
Minimum Deposit to Earn Dividends $250,000 1.045% 1.05%

Member of 25+ years Dividend Rate APY
Minimum Deposit to Earn Dividends $25,000 0.648% 0.65%
Minimum Deposit to Earn Dividends $75,000 0.648% 0.65%
Minimum Deposit to Earn Dividends $150,000 1.045% 1.05%
Minimum Deposit to Earn Dividends $250,000 1.193% 1.20%

Individual Retirement Account Dividend Rate APY
Minimum Balance $1 0.100% 0.10%
Minimum Balance $25,000 0.200% 0.20%
Minimum Balance $50,000 0.300% 0.30%

IRA Certificate of Deposit (CD) Interest Rate APY
6 mo. ($500 minimum) 4.410% 4.50%
6 mo. Plus ($75,000) 4.554% 4.65%
9 mo. ($500 minimum) 4.65% 4.75%
12 mo. ($500 minimum) 4.698% 4.80%
12 mo. Plus ($75,000) 4.793% 4.90%
18 mo. ($500 minimum) 3.928% 4.00%
18 mo. ($75,000) 4.025% 4.10%
24 mo. ($500 minimum) 3.928% 4.00%
24 mo. ($75,000) 4.025% 4.10%
30 mo. ($500 minimum) 3.203% 3.25%
30 mo. ($75,000) 3.300% 3.35%
36 mo. ($500 minimum) 3.203% 3.25%
36 mo. ($75,000 minimum) 3.300% 3.35%
36 mo. "Bump Up" Special ($500 minimum) 3.203% 3.25%
36 mo. "Bump Up" Special ($75,000) 3.300% 3.35%
48 mo. ($500 minimum) 3.203% 3.25%
48 mo. Plus ($75,000 minimum) 3.300% 3.35%
60 mo. ($500 minimum) 2.960% 3.00%
60 mo. Plus ($75,000 minimum) 3.057% 3.10%

APY= Annual Percentage Yield. All APYs shown for the 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. A penalty may apply to early principal or interest withdrawals on CDs and fees may reduce earnings. Rates on Savings, Interest Checking, and Money Market accounts are variable and subject to change without notice. Refer to your Account Agreement, Truth in Savings Disclosure and Certificate Disclosure for complete details. Programs, rates, terms, conditions, and services are subject to change without notice.

36-Month Promotional CD
This CD contains a special rate bump-up feature which allows you to increase the rate (“bump-up”) to the currently offered 36-month non-promotional rate up to two times prior to maturity should the Credit Union increase the rate offered on its 36-month CD product. This special rate bump-up feature is only applicable during the 36-month term of the promotional CD and will not apply after maturity, even when account proceeds roll into another Credit Union CD unless otherwise disclosed at renewal. Programs, rates, terms, conditions, and services are subject to change without notice.

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

Certificate of Deposit (CD) Interest 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) 3.928% 4.00%
18 mo. ($75,000) 4.025% 4.10%
24 mo. ($500 minimum) 3.928% 4.00%
24 mo. ($75,000) 4.025% 4.10%
30 mo. ($500 minimum) 3.203% 3.25%
30 mo. ($75,000) 3.300% 3.35%
36 mo. ($500 minimum) 3.105% 3.15%
36 mo. ($75,000) 3.203% 3.25%
36 mo. "Bump Up" Special ($500 minimum) 3.105% 3.15%
36 mo. "Bump Up" Special ($75,000) 3.203% 3.25%
48 mo. ($500 minimum) 2.960% 3.00%
48 mo. ($75,000) 3.057% 3.10%
60 mo. ($500 minimum) 2.862% 2.90%
60 mo. ($75,000) 2.960% 3.00%

APY= Annual Percentage Yield. All APYs shown for the 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. A penalty may apply to early principal or interest withdrawals on CDs and fees may reduce earnings. Rates on Savings, Interest Checking, and Money Market accounts are variable and subject to change without notice. Refer to your Account Agreement, Truth in Savings Disclosure and Certificate Disclosure for complete details. Programs, rates, terms, conditions, and services are subject to change without notice.

36-Month Promotional CD
This CD contains a special rate bump-up feature which allows you to increase the rate (“bump-up”) to the currently offered 36-month non-promotional rate up to two times prior to maturity should the Credit Union increase the rate offered on its 36-month CD product. This special rate bump-up feature is only applicable during the 36-month term of the promotional CD and will not apply after maturity, even when account proceeds roll into another Credit Union CD unless otherwise disclosed at renewal. Programs, rates, terms, conditions, and services are subject to change without notice.

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

HSA Savings Account Interest Rate APY
Minimum balance to earn dividends: $1 0.180% 0.18%
HSA Certificate of Deposit (CD) Interest Rate APY
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%