Credit union · NCUA insured
Achieva Credit Union Savings Rates
Achieva Credit Union’s best savings rate is 0.25% APY on $10,000, with its Achieva Consumer Premium Savings. Rates checked October 17, 2026.
How Achieva Credit Union’s savings 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
2.30%APY
- Requires
- Monthly account activity
- Minimum
- $1
- Earns on $10,000 a year
- $230
Premier Money Market Account
Top rate
American Pride Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $50
- Earns on $10,000 a year
- $500
2nd-highest rate
EverBank
4.20%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $420
Achieva Credit Union savings score
82
Savings score
Higher than 57% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0000.25%
- $100,000 balance$100,0001.35%
- QualifiedQualified1.88%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Indexed Money Market Account
1.88%APY
Requires a checking account with a qualified recurring direct deposit of at least $500 per month within 90 days of account opening to earn interest. Does not qualify for checks or debit cards; limited to 5 withdrawals per statement cycle ($5 fee per transaction over 5). Required monthly maintenance fee waived when minimum balance of $10,000 is maintained. Offers blended APY paying a different rate on funds within each tier. APY will be between 30%-80% of the upper limit of the Federal Funds rate as of the 15th of the prior month, adjusted on the first of following month; indexed interest rate will never be less than 0.10%. Rate earned on balances of $10,000 or greater.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10,000 and upBlended APY tier applying only to the portion of balance within tier; requires minimum balance of $10,000 to earn interest and waive monthly maintenance fee. | 1.88% | $188 | Blended APY tier applying only to the portion of balance within tier; requires minimum balance of $10,000 to earn interest and waive monthly maintenance fee. |
| $100,000 and upBlended APY tier applying only to the portion of balance within tier. | 2.63% | — | Blended APY tier applying only to the portion of balance within tier. |
| $250,000 and upBlended APY tier applying only to the portion of balance within tier. | 2.81% | — | Blended APY tier applying only to the portion of balance within tier. |
Premier Money Market Account
Up to 2.30%APY
Minimum $1 balance in savings is required to open the account. Minimum balance of $2,000 required to earn stated APY or bonus. Rates and yields are variable.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,000 and upRequires Achieva Checking Plus (ACP) or Achieva Platinum Plus (ACPP) account opened under the same Member Number and receive a minimum of $500 in qualified deposits each calendar month. | 2.30% | $230 | Requires Achieva Checking Plus (ACP) or Achieva Platinum Plus (ACPP) account opened under the same Member Number and receive a minimum of $500 in qualified deposits each calendar month. |
| $2,000 and upRequires Achieva Checking, ACP, or ACPP account opened under the same Member Number and receive a minimum of $500 in qualified deposits each calendar month. | 1.30% | $130 | Requires Achieva Checking, ACP, or ACPP account opened under the same Member Number and receive a minimum of $500 in qualified deposits each calendar month. |
| $2,000 and up | 0.30% | $30 | |
| $50,000 and upRequires Achieva Checking Plus (ACP) or Achieva Platinum Plus (ACPP) account opened under the same Member Number and receive a minimum of $500 in qualified deposits each calendar month. | 2.35% | — | Requires Achieva Checking Plus (ACP) or Achieva Platinum Plus (ACPP) account opened under the same Member Number and receive a minimum of $500 in qualified deposits each calendar month. |
| $50,000 and upRequires Achieva Checking, ACP, or ACPP account opened under the same Member Number and receive a minimum of $500 in qualified deposits each calendar month. | 1.35% | — | Requires Achieva Checking, ACP, or ACPP account opened under the same Member Number and receive a minimum of $500 in qualified deposits each calendar month. |
| $50,000 and up | 0.35% | — | |
| $150,000 and upRequires Achieva Checking Plus (ACP) or Achieva Platinum Plus (ACPP) account opened under the same Member Number and receive a minimum of $500 in qualified deposits each calendar month. | 2.40% | — | Requires Achieva Checking Plus (ACP) or Achieva Platinum Plus (ACPP) account opened under the same Member Number and receive a minimum of $500 in qualified deposits each calendar month. |
| $150,000 and upRequires Achieva Checking, ACP, or ACPP account opened under the same Member Number and receive a minimum of $500 in qualified deposits each calendar month. | 1.40% | — | Requires Achieva Checking, ACP, or ACPP account opened under the same Member Number and receive a minimum of $500 in qualified deposits each calendar month. |
| $150,000 and up | 0.40% | — | |
| $250,000 and upRequires Achieva Checking Plus (ACP) or Achieva Platinum Plus (ACPP) account opened under the same Member Number and receive a minimum of $500 in qualified deposits each calendar month. | 2.45% | — | Requires Achieva Checking Plus (ACP) or Achieva Platinum Plus (ACPP) account opened under the same Member Number and receive a minimum of $500 in qualified deposits each calendar month. |
| $250,000 and upRequires Achieva Checking, ACP, or ACPP account opened under the same Member Number and receive a minimum of $500 in qualified deposits each calendar month. | 1.45% | — | Requires Achieva Checking, ACP, or ACPP account opened under the same Member Number and receive a minimum of $500 in qualified deposits each calendar month. |
| $250,000 and up | 0.45% | — | |
| $500,000 and upRequires Achieva Checking Plus (ACP) or Achieva Platinum Plus (ACPP) account opened under the same Member Number and receive a minimum of $500 in qualified deposits each calendar month. | 2.50% | — | Requires Achieva Checking Plus (ACP) or Achieva Platinum Plus (ACPP) account opened under the same Member Number and receive a minimum of $500 in qualified deposits each calendar month. |
| $500,000 and upRequires Achieva Checking, ACP, or ACPP account opened under the same Member Number and receive a minimum of $500 in qualified deposits each calendar month. | 1.50% | — | Requires Achieva Checking, ACP, or ACPP account opened under the same Member Number and receive a minimum of $500 in qualified deposits each calendar month. |
| $500,000 and up | 0.50% | — | |
| $1,000,000 and upRequires Achieva Checking Plus (ACP) or Achieva Platinum Plus (ACPP) account opened under the same Member Number and receive a minimum of $500 in qualified deposits each calendar month. | 2.55% | — | Requires Achieva Checking Plus (ACP) or Achieva Platinum Plus (ACPP) account opened under the same Member Number and receive a minimum of $500 in qualified deposits each calendar month. |
| $1,000,000 and upRequires Achieva Checking, ACP, or ACPP account opened under the same Member Number and receive a minimum of $500 in qualified deposits each calendar month. | 1.55% | — | Requires Achieva Checking, ACP, or ACPP account opened under the same Member Number and receive a minimum of $500 in qualified deposits each calendar month. |
| $1,000,000 and up | 0.55% | — |
Sources (1)
- achievacu.com/Rates · captured Oct 15, 2026
Relationship Money Market Account
Up to 1.75%APY
Tiered relationship rates based on years of membership (Tier 1: 0-5 years, Tier 2: 5-14 years, Tier 3: 15-24 years, Tier 4: 25+ years). Minimum balance of $25,000 required to earn dividends.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25,000 and upMember of 25+ years (Tier 4) | 1.15% | — | Member of 25+ years (Tier 4) |
| $25,000 and upMember of 15-24 years (Tier 3) | 1.10% | — | Member of 15-24 years (Tier 3) |
| $25,000 and upMember of 5-14 years (Tier 2) | 1.05% | — | Member of 5-14 years (Tier 2) |
| $25,000 and upMember of 0-5 years (Tier 1) | 1.00% | — | Member of 0-5 years (Tier 1) |
| $75,000 and upMember of 25+ years (Tier 4) | 1.20% | — | Member of 25+ years (Tier 4) |
| $75,000 and upMember of 15-24 years (Tier 3) | 1.15% | — | Member of 15-24 years (Tier 3) |
| $75,000 and upMember of 5-14 years (Tier 2) | 1.10% | — | Member of 5-14 years (Tier 2) |
| $75,000 and upMember of 0-5 years (Tier 1) | 1.05% | — | Member of 0-5 years (Tier 1) |
| $150,000 and upMember of 25+ years (Tier 4) | 1.60% | — | Member of 25+ years (Tier 4) |
| $150,000 and upMember of 15-24 years (Tier 3) | 1.45% | — | Member of 15-24 years (Tier 3) |
| $150,000 and upMember of 5-14 years (Tier 2) | 1.30% | — | Member of 5-14 years (Tier 2) |
| $150,000 and upMember of 0-5 years (Tier 1) | 1.15% | — | Member of 0-5 years (Tier 1) |
| $250,000 and upMember of 25+ years (Tier 4) | 1.75% | — | Member of 25+ years (Tier 4) |
| $250,000 and upMember of 15-24 years (Tier 3) | 1.60% | — | Member of 15-24 years (Tier 3) |
| $250,000 and upMember of 5-14 years (Tier 2) | 1.45% | — | Member of 5-14 years (Tier 2) |
| $250,000 and upMember of 0-5 years (Tier 1) | 1.30% | — | Member of 0-5 years (Tier 1) |
Achieva Consumer Premium Savings
0.25%APY
Minimum opening balance as low as $1. No minimum or maximum balance. Variable rate.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $50,000 | 0.25% | $25 |
| $50,000 – $100,000 | 0.50% | — |
| $100,000 – $250,000 | 1.35% | — |
| $250,000 and up | 1.50% | — |
Achieva Savings Account
0.05%APY
Opened automatically with Achieva membership. Minimum $1 balance required to open. Variable rate.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1 and up | 0.05% | $5 |
PAL
0.05%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum balance requiredAny balance | 0.05% | $5 | No minimum balance required |
Sources (1)
- achievacu.com/Rates · captured Oct 5, 2026
Savings II
0.05%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum balance requiredAny balance | 0.05% | $5 | No minimum balance required |
Sources (1)
- achievacu.com/Rates · captured Oct 5, 2026
Summer Savings
0.05%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum balance requiredAny balance | 0.05% | $5 | No minimum balance required |
Sources (1)
- achievacu.com/Rates · captured Oct 5, 2026
Special-purpose accounts
IRA Savings Accounts
0.10%APY
Must establish IRA Savings with an IRA Tax Plan to open. Must be primary membership. No opening deposit required. Money must stay within IRA to avoid penalties and fees. Variable rate account.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1 and up | 0.10% | $10 |
| $25,000 and up | 0.20% | — |
| $50,000 and up | 0.30% | — |
Health Savings Account (HSA)
0.18%APY
Save tax-free for medical expenses and high-deductible health plans. No monthly fee. No minimum balance requirement. Includes Mastercard debit card for qualifying medical expenses. Variable rate.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1 and up | 0.18% | $18 |
Holiday Savings
0.05%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum balance requiredAny balance | 0.05% | $5 | No minimum balance required |
Sources (1)
- achievacu.com/Rates · captured Oct 5, 2026
Kids Make Cents Savings
0.05%APY
Dividend-bearing savings account opened jointly with a parent or legal guardian. Membership reward for joining: $25 bonus on account's first anniversary. Covered under minor savings accounts.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1 and up | 0.05% | $5 |
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.