Business rates & fees

Business rates & fees

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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.

Credit Cards APR as low as
Business Performance Credit Card 10.90% or 13.90%

Fee Information
Grace Period for Repayment of Purchases 25 Days
Method of Computing Balance Adjusted Average Daily Balance
Annual Fee None
Minimum Finance Change None
Cash Advance and Balance Transfer Fee None
Late Fee $35
Over Limit Fee $35
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.

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.

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