Rates as of 2-26-2024

Achieva Credit Union has 161,810 members and 22 branches distributed through 15 counties in West Central Florida. This financial institution offers a full menu of products and services including home loans, credit cards, auto loans, long-term planning, and business financial solutions.

Achieva Credit Union CD Rate Offers

The preferred CD offers, issued by Achieva credit union banks are; 

Achieva Special CD Offer

Key Features

  • 3.60% APY for balances $75,000 and above.
  • Flexible terms available: 6, 12, 18, or 24 months.
  • Start with as little as $500.
  • NCUA-insured funds up to $250,000, ensuring the safety of your investment.
  • Higher interest rates compared to traditional savings accounts, provide the opportunity for faster growth.


  • Choose the term that aligns with your financial goals and timeline.
  • Consider the balance tiers for optimized APY.
  • Evaluate your risk tolerance and liquidity needs.  

Pros & Cons

Competitive Rates for interestWithdrawal Penalties apply
Minimum Deposit edgeRate can be changed anytime
Faster Growth opportunity

Achieva 36-Month IRA (CD)

Key Features

  • 3.75% APY.
  • Fixed term of 36 months.
  • Start with just $500.
  • Specifically designed for Individual Retirement Accounts (IRAs).
  • Earn a competitive APY to build your savings quickly.
  • NCUA-insured deposits up to $250,000, providing a secure investment.


  • Tailored for individuals looking to save for retirement.
  • Evaluate your IRA contribution limits and eligibility.
  • Assess your long-term savings strategy and financial goals.
  • Consider the fixed 36-month term commitment. 

Pros & Cons

Competitive Interest RateFixed 36-Month Commitment
Tailored for Individual RetirementEarly Withdrawal Penalties
Opportunity for Retirement Savings

Are Achieva Credit Union Bank CD Rates Competitive?

When analyzing similar term-length CDs, there will be a minimum deposit requirement for it. Achieva Credit Union’s CD Special above-stated rates stand out as one of the most competitive options.

InstitutionCD TermAPY
Achieva Credit UnionAchieva Special3.60%
Wings Financial Credit Union5-Year2.58%
Abound Credit Union4-Year3.25%
Umpqua Bank1-year3.25%
Incredible Bank13-Month4.58%

How Much You Can Earn With Achieva Credit Union Bank CDs?

Achieva Credit Union’s emphasis on offering competitive earnings through various products demonstrates a holistic approach to member financial well-being. By combining flexibility, safety, and strategic offerings;

  • Achieva positions itself as a competitive force in the financial landscape, showcasing the importance of earning and ensuring its members have the tools they need for financial success.
  • The institution’s responsiveness to market trends and adjustments in rates indicates a commitment to remaining competitive. 
  • Regular assessments and adaptations to market conditions underscore Achieva Credit Union’s dedication to ensuring members have access to attractive and competitive financial products.

Overview of Achieva Credit Union Bank

With over 26 branches statewide, Achieva Credit Union has over 160,000 members and $1.72 billion in assets. Initially founded by a group of teachers in 1937, the bank has grown to offer not just bank accounts, but also auto loans, financial planning, business banking, lending solutions, and much more. It’s safe to say they’ve come a long way since first opening. 

The credit union has an 83% customer satisfaction rate, so you know you’ll be getting good service when you bank with them. To further inquire about opening up an account with Achieva Credit Union, visit their website or simply go to one of the nearest branches for more information.

Locations of Achieva Credit Union Bank

22 Branches in Total

Bradenton, Cape Coral, Clearwater, Dunedin, Estero, Fort Meyers, Land O’ Lakes, Largo, Lehigh Acres, New Port Richey, North Port, Palm Harbor, Pinellas Park, Port Charlotte, Punta Gorda, Sarasota, St. Petersburg, Odessa, and Venice.


Like with most credit unions, you must be a member of the Achieva Credit Union to open a CD. Opening an account is simple and all you need is your current bank information as well as other personal documents. 


How can I become a member of Achieva Credit Union?

Achieva Credit Union membership is typically open to individuals who live, work, worship, or attend school in certain geographic areas. Additionally, family members of existing Achieva members may be eligible.

What types of accounts and services does Achieva Credit Union offer?

Achieva Credit Union provides a range of financial products and services, including savings accounts, checking accounts, loans, credit cards, and investment options. They may also offer online banking, mobile banking, and other convenient services to meet members’ financial needs.

How can I access my Achieva Credit Union account online?

Achieva Credit Union likely provides online banking services. You can access your accounts, check balances, transfer funds, and perform other transactions through their secure online portal or mobile banking app. Make sure to inquire about the registration process and security features.

What security measures does Achieva Credit Union have in place to protect account information?

Achieva Credit Union takes security seriously and may employ various measures such as encryption, multi-factor authentication, and regular monitoring to safeguard member information.

How can I contact Achieva Credit Union’s customer service for assistance?

Achieva Credit Union typically provides various contact options for customer service, including phone numbers, email addresses, and possibly live chat through their website.