Achieva Credit Union was established in 1937 along Florida’s Suncoast. For the last 80 years, Achieva has focused on providing “GOOD” banking experience to people from all walks of life. Unlike a bank, Achieva is not-for-profit credit union, which means they are owned and operated by the members they serve. Currently they have 24 branches and over 140,000 members in the state of Florida. 

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The Good

  • Checking Plus Rewards and Benefits 
  • Mobile App
  • Variety of Loans 
  • Business Features 

Checking Plus Rewards and Benefits 

Achieva Checking Plus has all the features you want in a checking account. Designed with your personal banking needs in mind, and with a low monthly fee of $6.95, this account offers premium benefits like travel and health savings, comprehensive IDProtect services, and other practical lifestyle benefits. Also, Achieva offers banking accounts for every stage of life. You have the option to start a savings account for your teenagers and even younger children to prepare them for their future. 

Mobile App

Achieva’s Mobile Banking service is free, secure, and allows you to manage your accounts from anywhere, at any time. Mobile Banking can be accessed from all carriers and device types, making it a good choice no matter where life takes you. Whether you’re at home or out and about, you can use Mobile Banking to take charge of your everyday banking right from the palm of your hand.

Variety of Loans 

Achieva offers a variety of loans at affordable rates. With achieva you have the option to obtain the following loans: 

  • Auto 
  • Boat/RV
  • Motorcycle 
  • Personal loans 

Business Features 

Achieva offers multiple business features to help your business to grow. With a savings account, checking account, or investment plan from Achieva, you can rest assured that your dreams for your business are in good hands. In addition to a variety of loan options and competitive rates, Achieva has the business tools for anyone who wants to start, grow, or expand their business.

The Bad

  • Average Rates 
  • Coverage 

Average Rates 

Most of the major rates offered by Achieva offer aren't the most competitive. Although they are not the worst rates we've seen, there is definitely some room for improvement in this area. For example, the checking account rates are 0.50% which we don't see as either really good or really bad. Instead, this is an average rate you will probably be able to find at several other credit unions. 


Currently, Achieva provides their banking services to the residence of Florida only. If you are not a resident of Florida and you want to do your banking with achieva you might need to find a credit union that is available in your state. 

The Bottom Line

Achieva Credit Union has been providing their banking services to the residences of Florida for the last 80 years. They focus on providing good banking services to people of all walks of life. Their checking plus rewards and benefits offers premium benefits like travel and health savings, comprehensive IDProtect services, and other practical lifestyle benefits. Achieva’s mobile technology makes your banking online easy and stress-free. Also, variety of loans and business features will help you to be prepared for the future. However, average rates on the checking and savings accounts prevents Achieva Credit Union from achieving higher marks.

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