Rates

Numbers That Work For You

Because we’re member-owned, you reap the benefits with competitive rates on deposits and loans, lower fees, and exceptional personal service!

Rates Effective: April 1, 2025

All rates are subject to change without notice. For further information about applicable fees and terms, please call (440) 324-3400 or (800) 451-6315.

Deposit Rates

Account Type APY* Dividend Rate Min. Deposit Compounding
Share Savings ²,⁴
Share / Escrow		 0.025% 0.025% $5.00 Quarterly
Clubs ²,⁴
Vacation / Christmas		 0.025% 0.025% $5.00 Quarterly

Account Type APY* Dividend Rate Min. Deposit Compounding
Secure Checking ²,⁴ 0.015% 0.015% $25.00 Monthly
Secure Young Adult Checking ²,⁴ 0.015% 0.015% $25.00 Monthly
Secure Plus Checking ²,⁴ 0.015% 0.015% $25.00 Monthly

Account Type APY* Dividend Rate Min. Deposit Compounding
Roth / Traditional ³,⁴
(Share Savings)		 0.050% 0.050% $5.00 Quarterly

Maturity dates N/A.

Account Type APY* Dividend Rate Compounding
Regular MMIA
$2,500-$24,999		 0.10% 0.10% Monthly
Youth MMIA
$250-$24,999		 0.10% 0.10% Monthly
Regular + Youth MMIA
$25,000 - $49,999		 0.15% 0.15% Monthly
Regular + Youth MMIA
$50,000+		 0.20% 0.20% Monthly

No maturity date(s). Dividends compound monthly.

Account Balance $500-$49,000   $50,000-$99,999   $100,000+  
Term APY* Dividend Rate APY* Dividend Rate APY* Dividend Rate
6 Months 4.25% 4.17% 4.25% 4.17% 4.25% 4.17%
12 Months 4.00.00% 3.93.98% 4.00% 3.93% 4.00% 3.93%
18 Months 2.25% 2.23% 2.25% 2.23% 2.25% 2.23%
24 Months 2.50% 2.47% 2.50% 2.47% 2.50% 2.47%
30 Month 2.75% 2.72% 2.75% 2.72% 2.75% 2.72%

Note: Dividends compound monthly.

APY* Dividend Rate Maturity Min. Deposit Compounding
3.00% 2.96% 24 Months $250.00 Monthly

APY* Dividend Rate Maturity Min. Deposit Compounding
0.05% 0.05% 18 Months $5.00 Quarterly

Loan Rates

Fixed Rate APR** as low as
4.99%

Fixed Rate APR** as low as
6.99%

Fixed Rate APR** as low as
8.95%

Term Fixed Rate APR** as low as
Up to 60 Months 5.95%
Note: Rate dependent on account held as collateral.

Term Fixed Rate APR** as low as
Up to 120 Months 7.50%

Note: This Home Equity Line of Credit Rate is based on the Prime Rate, as quoted in The Wall Street Journal on the last business day of the month.

Term Fixed Rate APR** as low as
Up to 180 Months 5.99%

Term Fixed Rate APR** as low as
10 Years 6.00%
15 Years 6.00%

Benefits Fixed Rate APR** as low as
NO annual fee
NO balance transfer fee
NO cash advance fee		 8.90%

We offer members a discount on loan rates just for having or using our other products!

You could reduce your rate up to 0.50%⁷ by doing TWO of the following:

  • Set up direct deposit of your full paycheck into your Achieve CU Checking Account.
  • Set up automatic loan payments from your Achieve CU Checking Account.
  • Maintain a balance of $5,000 or more in your Achieve CU Savings Account.
  • Refinance any vehicle loan or personal loan from another financial institution.

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    Breathe easy. Your deposits are insured.

    You can be confident that your deposits are safe and secure at Achieve Credit Union. We're a member-owned, not-for-profit financial institution, which means we're dedicated to helping our members achieve their financial goals. Through a combination of $250,000 of primary insurance from American Share Insurance (ASI) and $250,000 of excess insurance from Excess Share Insurance (ESI), you can rest assured that your money is protected up to $500,000.

    *APY = Annual Percentage Yield. APY assumes dividends remain in the account until maturity and that a withdrawal will reduce earnings. Offers subject to Achieve CU membership eligibility.

    **APR = Annual Percentage Rate. Offers subject to creditworthiness and Achieve CU membership eligibility. All loans are simple interest loans.There is no penalty for early payoff. Rates are determined by loan amount, age of collateral, term and personal credit history. APR listed is for in-person direct member financing. Indirect or on-site dealership financing offered by Achieve CU may have different APRs.

    ¹ Up to three-month dividend penalty for early withdrawal prior to maturity
    ² Dividend computed on daily balance over $50
    ³ Dividend computed on daily balance
    ⁴ Variable rate, can change quarterly
    ⁵ Variable rate, can change weekly
    ⁶ Fixed rate of maturity
    ⁷ Excludes real estate, home equity loans/lines of credit, credit cards, indirect auto loans, and internal refinances. Rate discount cannot go below the floor rate. Some restrictions may apply during promotional periods.