Credit union · NCUA insured
Achieva Credit Union CD Rates
Achieva Credit Union’s best CD rate is 4.35% APY on a 13-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 17, 2026.
How Achieva Credit Union’s CD rates compare
Compared with banks and credit unions near Tampa, FL, where Achieva Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Achieva Credit Union
4.35%APY
- Term
- 13 months
- Minimum
- $10,000
- Earns on $10,000
- $472
Certificate of Deposit (CD)
Top rate
Raymond James Bank
5.25%APY
- Term
- 60 months
- Minimum
- $2,000
- Earns on $10,000
- $2,915
2nd-highest rate
Together Credit Union
4.50%APY
- Term
- 11 months
- Minimum
- $1,000
- Earns on $10,000
- $412
Achieva Credit Union CD score
84
CD score
Higher than 67% of U.S. banks and credit unions
- 3–8 months3–8 mo3.90%
- 9–15 months9–15 mo3.40%
- 16–30 months16–30 mo3.75%
- 31–60 months31–60 mo3.65%
- QualifiedQualified3.90%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Achieva Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Certificate of Deposit (CD)
Up to 4.35%APY · 10 terms
Federally insured by NCUA up to $250,000. No monthly fees. A minimum opening balance of $500 is required for all CD products (except promotional specials). Early withdrawal penalty may apply.
| Term | APY · $500 and up | APY · $10,000 and up | APY · $25,000 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 3 months | 2.40% | — | — | — | 2.40% | $59 |
| 6 months | 3.90% | — | 3.95% | 4.00% | 3.90%3.95% from $25k4.00% from $100k | $193 |
| 9 months | 3.30% | — | 3.40% | 3.50% | 3.30%3.40% from $25k3.50% from $100k | $246 |
| 12 months | 3.40% | — | 3.50% | 3.60% | 3.40%3.50% from $25k3.60% from $100k | $340 |
| 13 monthsNew money only (funds not currently or previously on deposit at Achieva Credit Union within the last 90 days). Automatically renews to a 12-month term at then-current rate | — | 4.35% | — | — | 4.35% | $472 |
| 18 months | 3.75% | — | — | — | 3.75% | $568 |
| 24 months | 3.75% | — | — | — | 3.75% | $764 |
| 36 months | 3.45% | — | 3.50% | 3.55% | 3.45%3.50% from $25k3.55% from $100k | $1,071 |
| 48 months | 3.55% | — | 3.60% | 3.65% | 3.55%3.60% from $25k3.65% from $100k | $1,497 |
| 60 months | 3.65% | — | 3.70% | 3.75% | 3.65%3.70% from $25k3.75% from $100k | $1,963 |
36 month CD "Bump Up" Special
3.45%APY · 1 term
Bump Up Special certificate. This CD contains a special rate bump-up feature which allows you to increase the rate to the currently offered 36-month non-promotional rate up to two times prior to maturity should the Credit Union increase the rate offered on its 36-month CD product. This special rate bump-up feature is only applicable during the 36-month term of the promotional CD and will not apply after maturity.
| Term | APY · $500 and up | APY · $25,000 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 36 months | 3.45% | 3.50% | 3.55% | 3.45%3.50% from $25k3.55% from $100k | $1,071 |
Sources (1)
- achievacu.com/Rates · captured Oct 15, 2026
Special-purpose accounts
IRA Certificate of Deposit
Up to 4.35%APY · 9 terms
Tax-advantaged IRA CD (Traditional, Roth, SEP). Must establish IRA Savings with an IRA Tax Plan to open; must be primary membership. Early withdrawal penalties and IRS penalties may apply.
| Term | APY · $500 and up | APY · $10,000 and up | APY · $25,000 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 6 months | 4.00% | — | 4.05% | 4.10% | 4.00%4.05% from $25k4.10% from $100k | $198 |
| 9 months | 3.40% | — | 3.50% | 3.60% | 3.40%3.50% from $25k3.60% from $100k | $254 |
| 12 months | 3.50% | — | 3.60% | 3.70% | 3.50%3.60% from $25k3.70% from $100k | $350 |
| 13 monthsNew money only (funds not on deposit at Achieva Credit Union within the last 90 days). Automatically renews to a 12-month term at then-current rate | — | 4.35% | — | — | 4.35% | $472 |
| 18 months | 3.85% | — | 3.85% | 3.85% | 3.85%3.85% from $25k3.85% from $100k | $583 |
| 24 months | 3.85% | — | 3.85% | 3.85% | 3.85%3.85% from $25k3.85% from $100k | $785 |
| 36 months | 3.55% | — | 3.60% | 3.65% | 3.55%3.60% from $25k3.65% from $100k | $1,103 |
| 48 months | 3.65% | — | 3.70% | 3.75% | 3.65%3.70% from $25k3.75% from $100k | $1,542 |
| 60 months | 3.75% | — | 3.80% | 3.85% | 3.75%3.80% from $25k3.85% from $100k | $2,021 |
Sources (3)
All captured Oct 15, 2026
Health Savings Account (HSA) CD
Up to 3.90%APY · 4 terms
HSA Certificates of Deposit. Minimum opening balance of $500 required (except for 11-month Add-on HSA Certificate which requires $100). Early withdrawal penalty may apply.
| Term | APY · $100 and up | APY · $500 and up | APY · $25,000 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 6 months | — | 3.90% | 3.95% | 4.00% | 3.90%3.95% from $25k4.00% from $100k | $193 |
| 9 months | — | 3.30% | 3.40% | 3.50% | 3.30%3.40% from $25k3.50% from $100k | $246 |
| 11 monthsAdd-on feature allows subsequent deposits in increments of no less than $15 at any time prior to maturity; subsequent deposits do not increase APY. Automatically renews to a 12-month term at then-current rate | 3.75% | — | — | — | 3.75% | $343 |
| 12 months | — | 3.40% | 3.50% | 3.60% | 3.40%3.50% from $25k3.60% from $100k | $340 |
Sources (1)
- achievacu.com/Rates · captured Oct 15, 2026
36 month IRA CD "Bump Up" Special
3.55%APY · 1 term
Bump Up Special IRA certificate. This CD contains a special rate bump-up feature which allows you to increase the rate to the currently offered 36-month non-promotional rate up to two times prior to maturity should the Credit Union increase the rate offered on its 36-month CD product. This special rate bump-up feature is only applicable during the 36-month term of the promotional CD and will not apply after maturity.
| Term | APY · $500 and up | APY · $25,000 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 36 months | 3.55% | 3.60% | 3.65% | 3.55%3.60% from $25k3.65% from $100k | $1,103 |
Sources (1)
- achievacu.com/Rates · captured Oct 15, 2026
Who can join Achieva Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Family and household
- Immediate family members of members—including parents, children, spouse, surviving spouse, or any other relative by blood, marriage, or adoption, regardless of whether they reside in the same household—are eligible for membership.
Membership information collected October 5, 2026.