Rates as of 11/4/2020

Achieva Credit Union’s top CD rate is 0.80% APY. This rate is offered on the credit union’s 60-month CD with a minimum deposit of $500. The dividends earned on this CD are paid when the account reaches maturity, and penalties are given if early withdrawals are made.

The 48-month CD is a great alternative to the 60-month rate. The account offers an 0.70% APY with a $500 minimum deposit. This account also pays you your dividends at maturity. This allows for your money to earn more interest.

For short-term investors the credit union offers a 6-month CD. This CD offers an annual percentage yield of 0.20%. This CD is also obtainable with a $500 minimum deposit. Because it’s short-term, you won’t have to wait as long to get your money.

Achieva Credit Union offers nine CDs. Each of these CDs can be opened with a $500 minimum deposit. These CD terms vary from 6 to 60-months. The APY starts at 0.20% and builds to 0.90%. 

Teachers pooling funds and supporting one another resulted in the formation of the original credit union that led to Achieva Credit Union. Savers use Certificates of Deposit, also called CDs, to grow their money with flexible rates and terms. 

A Certificate of Deposit is a financial product where the bank holds an amount of money deposited for a specific period of time in order to earn a certain amount in return. The details related to Achieva Credit Union CDs are as follows:

  • Time periods range from 6 months to 5 years
  • A minimum deposit of $500 to open
  • Interest can be transferred to an account that you choose or added to the principal
  • Earning the AYP on the CD requires that the interest stays on the account
  • Penalties apply to early withdrawal
  • Rates are subject to change
To earn the APY shown for Certificate of Deposits assume that interest stays on the account and reflect a yearly compounded yield. Interest on your certificate of deposit is available when posted to the account without penalty. A penalty may apply to early principal or interest withdrawal on certificate of deposit and fees may reduce earnings. Rates on Savings, Interest Checking, and Money Market accounts are variable and subject to change. This “Schedule of Deposit Rates” is an integral part of our Account Universal Agreement brochure.


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. 

Branches in Florida

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.

Bank Overview

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. In order 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. 

Achieva Credit Union has over 160,000 members and 26 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.