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Rates & fees

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 6.00%
37 to 63 Months 6.75%
64 to 75 Months 7.00%
76 to 84 Months 7.75%

Used Auto* APR as low as
Up to 36 Months 6.00%
37 to 63 Months 6.75%
64 to 75 Months 7.00%

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 6.00% and a 36-month term, your monthly payment would be $456.39. 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 2017 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%

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 48 Months 7.00%
Up to 60 Months 8.00%

APR = Annual Percentage Rate. For a typical loan with a loan amount of $10,000, with a credit score of 730, a term of 48 Months and an Annual Percentage Rate of 7.00%, the monthly payment would be $239.47. 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 7.00%

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 7.00%, the monthly payment would be $255.75. 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 7.50%
Up to 60 Months 8.00%

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 7.50%, the monthly payment would be $466.65. 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 1.89% 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 1.92% would require monthly payments of $87.47. 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
6.125 6.328 0.0%
6.375 6.52 0.0%
6.125 6.155 0.0%
7.5 7.621 0.0%
7.250 7.342 0.0%
7.00 8.164 0.0%
7.00 8.164 0.0%
6.00 7.340 0.0%
5.500 7.168 1.0%
6.125 7.385 0.0%
6.00 7.236 0.0%
6.125 7.157 0.0%
5.625 6.928 1.0
6.50 7.121 0.0%
6.25 6.888 0.0%
6.375 6.509 0.0%
6.625 6.652 0.0%
7.00 8.124 0.0%