Credit union · Privately insured
Achieve CU Savings Rates
Top CarrotAchieve CU’s best savings rate is 0.10% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How Achieve CU’s savings 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
0.10%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $10
Money Market
Top rate
Century Federal Credit Union
5.00%APY
- Minimum
- $100
- Earns on $10,000 a year
- $500
2nd-highest rate
CFBank
4.25%APY
- Minimum
- —
- Earns on $10,000 a year
- $425
Achieve CU savings score
63
Savings score
Higher than 9% of U.S. banks and credit unions
- $1,000 balance$1,0000.03%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0000.20%
- QualifiedQualified0.10%
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 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.
Money Market
0.10%APY
Open with minimum $2,500.00 deposit and maintain that balance for current Money Market rate; if balance falls below $2,500.00, earns regular Share Savings Account dividend rate. Dividends compound monthly. Variable rate can change weekly. Dividend computed on daily balance over $50. No maturity date.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $24,999Regular MMIA tier $2,500-$24,999. Variable rate, can change weekly. Dividends compound monthly. | 0.10% | $10 | Regular MMIA tier $2,500-$24,999. Variable rate, can change weekly. Dividends compound monthly. |
| $25,000 – $49,999Regular + Youth MMIA tier $25,000 - $49,999. Variable rate, can change weekly. Dividends compound monthly. | 0.15% | — | Regular + Youth MMIA tier $25,000 - $49,999. Variable rate, can change weekly. Dividends compound monthly. |
| $50,000 and upRegular + Youth MMIA tier $50,000+. Variable rate, can change weekly. Dividends compound monthly. | 0.20% | — | Regular + Youth MMIA tier $50,000+. Variable rate, can change weekly. Dividends compound monthly. |
Share Savings
0.03%APY
Referred to as Membership Account. Membership maintained as long as active Share Savings Account is maintained. Subject to Achieve CU membership eligibility.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceCompounded quarterly. Dividend computed on daily balance over $50. Variable rate, can change quarterly.Any balance | 0.03% | $3 | Compounded quarterly. Dividend computed on daily balance over $50. Variable rate, can change quarterly. |
Special-purpose accounts
Youth Money Market
0.10%APY
Available to members through age 17. Open with a minimum $250.00 deposit and maintain minimum balance of $250.00 to earn current variable rate; if balance falls below minimum, earns regular Share Savings Account rate. Dividends compound monthly. Variable rate can change weekly. Dividend computed on daily balance over $50. No maturity date.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $250 – $24,999Youth MMIA tier $250-$24,999. Available to members through age 17. Variable rate, can change weekly. Dividends compound monthly. | 0.10% | $10 | Youth MMIA tier $250-$24,999. Available to members through age 17. Variable rate, can change weekly. Dividends compound monthly. |
| $25,000 – $49,999Regular + Youth MMIA tier $25,000 - $49,999. Available to members through age 17. Variable rate, can change weekly. Dividends compound monthly. | 0.15% | — | Regular + Youth MMIA tier $25,000 - $49,999. Available to members through age 17. Variable rate, can change weekly. Dividends compound monthly. |
| $50,000 and upRegular + Youth MMIA tier $50,000+. Available to members through age 17. Variable rate, can change weekly. Dividends compound monthly. | 0.20% | — | Regular + Youth MMIA tier $50,000+. Available to members through age 17. Variable rate, can change weekly. Dividends compound monthly. |
IRA Share Savings
0.05%APY
Available as Traditional IRA or Roth IRA wrappers. Subject to Achieve CU membership eligibility.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceCompounded quarterly. Dividend computed on daily balance. Variable rate, can change quarterly. Maturity dates N/A.Any balance | 0.05% | $5 | Compounded quarterly. Dividend computed on daily balance. Variable rate, can change quarterly. Maturity dates N/A. |
Christmas Club
0.03%APY
On October 1, funds are transferred to Share Savings, Share Draft (Checking), or Money Market Account. Early withdrawals are subject to penalty. Subject to Achieve CU membership eligibility.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceCompounded quarterly. Dividend computed on daily balance over $50. Variable rate, can change quarterly.Any balance | 0.03% | $3 | Compounded quarterly. Dividend computed on daily balance over $50. Variable rate, can change quarterly. |
Vacation Club
0.03%APY
Withdrawals can be made at any time without penalty. Subject to Achieve CU membership eligibility.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceCompounded quarterly. Dividend computed on daily balance over $50. Variable rate, can change quarterly.Any balance | 0.03% | $3 | Compounded quarterly. Dividend computed on daily balance over $50. Variable rate, can change quarterly. |
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.