Business rates & fees

Business rates & fees

Contact us


800.593.2274

Email

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.

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for purchases 10.90% to 15.90% when you open your account, based on your creditworthiness
APR for Balance Transfers Business Mastercard Credit Card Promo:
3.90% Promotional APR on balance transfers posted through the March 2022 billing cycle. Rate applies until July 2022 billing cycle. After that, your qualified APR of 10.90% to 15.90% will apply.
APR for Cash Advances 10.90% to 15.90% 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. The promotional balance transfer APR of 3.9% will be applied to balance transfers which post to your account through your March 2021 billing cycle. Following the July 2022 billing cycle, your standard APR of 10.9% to 15.9% for balance transfers, purchases and cash advances will apply based on your creditworthiness. Achieva reserves the right to cancel, extend or otherwise modify promotional rates and terms at any time before a balance transfers posts. Offer open to existing and new cardholders subject to credit approval. Additional limitations, terms and conditions may apply.

APRs are correct as of June 2021 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/rates, call 727.431.7680 or 800.593.2274 , or visit your local Achieva branch.

Business Schedule of Fees | Business Performance Mastercard Credit Card Agreement
Performance Savings Dividend Rate APY
Minimum balance to earn dividends: $1 0.050% 0.050%

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 .100% .10%
Minimum balance to earn dividends: $50,000 .200% .20%

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 .10% .10%

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 .10% .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
6 mo. ($500 minimum) 0.200% 0.20%
6 mo. ($75,000) 0.299% 0.30%
12 mo. ($500 minimum) 0.300% 0.30%
12 mo. ($75,000) 0.399% 0.40%
18 mo. ($500 minimum) 0.349% 0.35%
18 mo. ($75,000) 0.449% 0.45%
24 mo. ($500 minimum) 0.399% 0.40%
24 mo. ($75,000) 0.499% 0.50%
30 mo. ($500 minimum) 0.499% 0.50%
30 mo. ($75,000) 0.598% 0.60%
36 mo. ($500 minimum) 0.598% 0.60%
36 mo. ($75,000) 0.698% 0.70%
42 mo. ($500 minimum) 0.946% 0.95%
42 mo. ($75,000) 1.045% 1.05%
48 mo. ($500 minimum) 0.698% 0.70%
48 mo. ($75,000) 0.797% 0.80%
60 mo. ($500 minimum) 0.797% 0.80%
60 mo. ($75,000) 0.896% 0.90%

*APYs shown are currently accurate and assume interest is compounding by remaining on deposit. Interest is calculated on the daily balance with a rate frequency of 365 days per year. It accrues daily and posts monthly to the account. Fees could reduce earnings. Early withdrawal may be subject to penalty.

APY= Annual Percentage Yield. The 42-Month Promotional Certificate 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.

;