Credit union · Privately insured
Achieve CU CD Rates
Top CarrotAchieve CU’s best CD rate is 4.25% APY on a 6-month share certificate (CD). Terms run from 6 months to 30 months. Rates checked October 16, 2026.
How Achieve CU’s CD rates compare
Compared with banks and credit unions near Cleveland, OH, where Achieve CU has the most branches. $10,000, best rate first.
This credit union’s best
Achieve CU
4.25%APY
- Term
- 6 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $210
Share Certificates
Top rate
7 17 Credit Union
4.75%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $2,612
2nd-highest rate
First Federal Savings of Lorain
4.60%APY
- Term
- 35 months
- Requires
- Another account
- Minimum
- $250
- Earns on $10,000
- $1,402
Achieve CU CD score
88
CD score
Higher than 83% of U.S. banks and credit unions
- 3–8 months3–8 mo4.25%
- 9–15 months9–15 mo4.25%
- 16–30 months16–30 mo3.00%
- QualifiedQualified4.25%
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 Achieve CU 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.
Share Certificates
Up to 4.25%APY · 5 terms
Dividends compound monthly and are computed on daily balance. Fixed rate of maturity. Up to three-month dividend penalty for early withdrawal prior to maturity. Offers subject to Achieve CU membership eligibility.
| Term | APY · $500 – $49,000 | APY · $50,000 – $99,999 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6 monthsDividends compound monthly | 4.25% | 4.25% | 4.25% | 4.25%4.25% $50k–$100k4.25% from $100k | $210 |
| 12 monthsDividends compound monthly | 4.25% | 4.25% | 4.25% | 4.25%4.25% $50k–$100k4.25% from $100k | $425 |
| 18 monthsDividends compound monthly | 3.00% | 3.00% | 3.00% | 3.00%3.00% $50k–$100k3.00% from $100k | $453 |
| 24 monthsDividends compound monthly | 2.75% | 2.75% | 2.75% | 2.75%2.75% $50k–$100k2.75% from $100k | $558 |
| 30 monthsDividends compound monthly | 2.50% | 2.50% | 2.50% | 2.50%2.50% $50k–$100k2.50% from $100k | $637 |
Special-purpose accounts
Youth Add-On Share Certificate
3.00%APY · 1 term
For members up to and including age 17. Fixed rate with a 24-month term. Deposits may be made at any time in person, by mail, through direct deposit, or through payroll deduction. Dividends compound monthly and are computed on daily balance. Up to three-month dividend penalty for early withdrawal prior to maturity. Offers subject to Achieve CU membership eligibility.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 monthsCompounding monthly | 3.00% | $609 |
Coverdell Education Account
0.05%APY · 1 term
Variable rate, can change quarterly. Dividend computed on daily balance. Up to three-month dividend penalty for early withdrawal prior to maturity. Offers subject to Achieve CU membership eligibility.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsCompounding quarterly. Variable rate, can change quarterly | 0.05% | $8 |
Sources (1)
- achievecu.org/rates · captured Oct 16, 2026
Who can join Achieve CU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, worships, or attends school in Lorain County, Cuyahoga County, Erie County, or Medina County, Ohio.
Military, government and schools
- Membership is open to any retired educator of a Lorain County school, regardless of where they currently live.
Family and household
- Membership is open to immediate family members (spouse, children, stepchildren, parents, stepparents, siblings, stepsisters, stepbrothers, grandparents, grandchildren, step-grandchildren, mother-in-law, and father-in-law) of an existing member, regardless of where they currently live.
Cost to join
- A minimum initial deposit of $5.00 is required to open a Share Savings account.
Membership information collected October 5, 2026.