Business rates & fees

Business rates & fees

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All advertised rates are subject to change without notice. APY=Annual Percentage Yield. Share accounts are variable rate accounts, the rate may change after the account is opened. Fees could reduce the earnings on the account.

Note for printing:  Select the rate section you wish to print, then click the printer icon on the side of the page and follow the prompts.

Performance Savings Dividend Rate APY
Minimum balance to earn dividends: $1 0.100% 0.10%

Dividends are calculated on the daily balance with a rate frequency of 365 days per year. They accrue daily and post monthly on the account. *APY shown is currently accurate and subject to change. Fees may reduce earnings.

Performance Money Market Dividend Rate APY
Minimum balance to earn dividends: $5,000 0.648% 0.65%
Minimum balance to earn dividends: $50,000 0.747% 0.75%
Minimum balance to earn dividends: $150,000 1.104% 1.11%
Minimum balance to earn dividends: $250,000 1.203% 1.21%
Minimum balance to earn dividends: $500,000 1.302% 1.31%
Minimum balance to earn dividends: $1,000,000 1.401% 1.41%

Dividends are calculated on the daily balance with a rate frequency of 365 days per year. They accrue daily and post monthly on the account. *APYs shown are currently accurate and subject to change. Fees may reduce earnings.

Business IOTA Checking Dividend Rate APY
Business IOTA Checking 2.960% 3.00%

Dividends are calculated on the daily balance with a rate frequency of 365 days per year. Interest accrues daily and is posted monthly on the account. *APY shown is currently accurate and subject to change. Fees may reduce earnings.

Performance Interest Checking Dividend Rate APY
Performance Interest Checking 0.10% 0.10%

Dividends are calculated on the daily balance with a rate frequency of 365 days per year. They accrue daily and post monthly on the account. *APY shown is currently accurate and subject to change. Fees may reduce earnings.

Account Analysis can only be added to the Performance Interest Checking account at an Earnings Credit Rate (ECR) of 0.25% APY. Earnings Credit applies to fees billed during the given statement cycle only and may not be carried forward or paid out. Achieva Credit Union does not apply a float or reserve to ECR calculations. Earnings credit rate is calculated by multiplying the average daily balance by the rate, divided by 365, then multiplied by the number of days in the given statement cycle.

Account Analysis Earning Credit Rate (ECR)

.25% ECR

Performance Certificate of Deposit (CD)

Term and Minimum Balance to Earn Interest Dividend Rate APY
3 mo. ($500) 2.374% 2.40%
3 mo. ($75,000) 2.374% 2.40%
6 mo. ($500) 3.203% 3.25%
6 mo. ($75,000) 3.300% 3.35%
7 mo. ($500) 4.314% 4.40%
7 mo. ($75,000) 4.410% 4.50%
9 mo. ($500) 2.960% 3.00%
9 mo. ($75,000) 2.960% 3.00%
12 mo. ($500) 4.025% 4.10%
12 mo. ($75,000) 4.121% 4.20%
13 mo. ($1,000) Limited Time Offer 4.410% 4.50%
13 mo. ($75,000) Limited Time Offer 4.410% 4.50%
18 mo. ($500) 3.105% 3.15%
18 mo. ($75,000) 3.203% 3.25%
24 mo. ($500) 2.862% 2.90%
24 mo. ($75,000) 2.960% 3.00%
30 mo. ($500) 1.982% 2.00%
30 mo. ($75,000) 2.080% 2.10%
36 mo. ($500) 1.785% 1.80%
36 mo. ($75,000) 1.884% 1.90%
48 mo. ($500) 1.736% 1.75%
48 mo. ($75,000) 1.834% 1.85%
60 mo. ($500) 1.736% 1.75%
60 mo. ($75,000) 1.834% 1.85%

APY = Annual Percentage Yield. All APYs shown for the Certificate of Deposits (CDs) assume that interest stays on the account and reflects a yearly compounded yield. Interest on your CD is available when posted to the account without penalty. A minimum opening balance of $500 is required for all CD products. A penalty may apply to early principal or interest withdrawals on CDs and fees may reduce earnings. Rates on Savings, Interest Checking, and Money Market accounts are variable and subject to change without notice. Refer to your Account Agreement, Truth in Savings Disclosure and Certificate Disclosure for complete details. Programs, rates, terms, conditions, and services are subject to change without notice.

7-Month Disclosure
APY=Annual Percentage Yield and is effective as of 12/01/2024. A minimum opening balance of $500 is required for all CD products. To earn the APY shown for Certificate of Deposits (CDs) assume that interest stays on the account and reflects a yearly compounded yield. Interest on your CD is available when posted to the account without penalty. Upon maturity, your CD will automatically renew to a 6-month term at the then-current CD rate. A penalty may apply to early principal or interest withdrawals and fees may reduce earnings. Rates and fees on Savings, Interest Checking, and Money Market accounts are variable and subject to change. Refer to the Rate Schedule, Schedule of Fees, Certificate Disclosure and Truth in Savings Disclosure for complete details.

13-Month Disclosure
*APY=Annual Percentage Yield is effective as of 3/3/2025 and is variable and subject to change.
New Money is required**
**New money is defined as funds not currently or previously on deposit at Achieva Credit Union within the last 90 days.
To earn stated APY, a minimum opening balance of $1,000 is required and assumes that interest stays on the account and reflects a yearly compounded yield. Interest on your CD is available when posted to the account without penalty. Upon maturity, your CD will automatically renew to a 12-month term at the then -current CD rate. A penalty may apply to early principal or interest withdrawals and fees may reduce earnings. Refer to the Rate Schedule, Schedule of Fees, Certificate Disclosure and Truth In Savings Disclosure for complete details. Programs, rates, terms, conditions, and services are subject to change without notice. Federally insured by the NCUA.

Call 800.593.2274 or visit a branch to open your CD and start saving today.

A minimum opening balance of $500 is required for all CD products.