Achieva Credit Union

What Achieva Credit Union does

Achieva Credit Union is a not-for-profit, member-owned cooperative financial institution headquartered in Dunedin, Florida, founded in 1937 by seven teachers in Pinellas County. As of the most recent reporting, it holds $3.1 billion in assets, $2.3 billion in loans, and $2.8 billion in deposits, serves 214,497 members, and operates 26 branches across 22 Florida counties with 500+ employees. Its core product portfolio spans consumer and business banking — checking, savings, money market, CDs, IRAs, mortgages, HELOCs, vehicle and personal loans, credit cards, business lending, and student loans — delivered through a combination of physical branches, online and mobile banking (iOS/Android), and the EVA virtual phone assistant. Revenue is generated primarily through net interest income on the loan portfolio and deposit spread, supplemented by fee income from four wholly-owned Credit Union Service Organizations (CUSOs): Achieva Insurance Agency (auto, home, commercial, Medicare insurance, acquired 2023 from Cannella Insurance Services), Achieva Title Services (real estate title and escrow, acquired 2024 from Veritas Title), Achieva Wealth Advisors (investment and retirement planning), and Achieva Merger Services (M&A consulting for credit unions and banks). Distribution extends beyond the branch network through CO-OP Shared Branch access to 5,000+ locations, free withdrawals at 900+ Publix Presto ATMs, Zelle peer-to-peer payments, Apple Pay/Samsung Pay, and direct digital application portals. Operationally, Achieva is governed by an unpaid volunteer board, federally insured by NCUA, and holds a BauerFinancial 5-Star Superior rating for 10+ consecutive years with 87% member satisfaction.

Name

Achieva Credit Union

Legal name

Achieva Credit Union

Website

https://achievacu.com

Company type

Private

Founded year

1937

Operating status

Operating

Headcount range

251–500 employees

Short description

Achieva Credit Union is a not-for-profit Florida cooperative financial institution serving 214,497 members across 22 counties with $3.1B in assets, offering consumer and business banking, mortgages, loans, insurance, title services, and wealth advisory through 26 branches and digital channels.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Credit Unions (52213), Credit Unions (522130), Credit Intermediation and Related Activities (522)

SIC

Savings Institution, Federally Chartered (6035), Personal Credit Institutions (6141)

akta.pro primary industry

Community Credit Unions (Retail/Consumer Focus) (FSABAEAA)

akta.pro secondary industries

Student/University Credit Unions (FSABAEAJ), Federations/Centrals & Cooperative Banking Networks (2nd-Tier Co-ops) (FSABAEAL)

Keywords

• Retail banking services
• Consumer lending
• Mortgage lending
• Business banking
• Wealth management

Headquarters

HQ city

Dunedin

HQ country

United States

HQ region

North America

Offices26 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales

Revenue model

1. Interest Income on Loans: Primary revenue from interest charged on consumer and mortgage loans including vehicle loans, mortgages, personal loans, home equity, and business lending
2. Deposit Services: Fees and interest spread from checking, savings, money market, CDs, and business deposit accounts
3. Insurance Products (CUSO): Revenue from Achieva Insurance Agency, LLC providing auto, home, boat, business, commercial, flood, and Medicare insurance products
4. Title Services (CUSO): Revenue from Achieva Title Services, LLC providing title searches, closing documents, title insurance, and lien resolution for real estate transactions
5. Wealth Management: Achieva Wealth Advisors providing retirement accounts, investment services, and financial planning

Pricing tiers

Go-to-market motion2 records

Distribution channels11 records

Marketing channels9 records

Core offering

Achieva Credit Union is a member-owned, not-for-profit financial cooperative that provides consumer and business banking products — including checking, savings, money market accounts, certificates of deposit, IRAs, vehicle loans, mortgages, personal loans, home equity lines of credit, credit cards, and student loans — delivered through 26 Florida branches and digital channels (mobile, online, Zelle, EVA phone assistant). Beyond core banking, the institution operates Credit Union Service Organizations (CUSOs) for insurance (auto, home, boat, commercial, flood, Medicare, life), real estate title and closing services, and merger advisory consulting for other credit unions and banks. Wealth management and retirement planning services are provided through Achieva Wealth Advisors.

Product overview

Achieva Credit Union is a not-for-profit financial institution serving over 214,000 members across 22 Florida counties. Its product portfolio operates as a unified banking platform-plus-CUSO model, combining core consumer and business banking products (checking, savings, loans, credit cards, mortgages, business services) with subsidiary Credit Union Service Organizations (CUSOs) that extend specialized services. The CUSO ecosystem includes Achieva Insurance Agency, LLC (acquired Cannella Insurance Services in 2023) offering home, auto, commercial, and Medicare insurance; Achieva Title Services (acquired Veritas Title in 2024) providing title and escrow services; and Achieva Merger Services (launched 2017) offering M&A consulting. Core banking is delivered through 26 branches, digital banking (mobile app, online banking), the EVA virtual phone assistant, Zelle P2P payments, and Apple/Samsung Pay integrations. Supplementary services include estate planning (Trust & Will), online notary (Proof.com), wealth advisory, and community programs through the Achieva Foundation.

Differentiator

Problem solved

Functional benefit

Brands

• Achieva Checking Plus: Interest-bearing checking account with perks including ID theft protection, cell phone protection, health discounts, and shopping rewards
• EVA
• Achieva Wealth Advisors
• Achieva Merger Services

Products and services

• Achieva Checking Platinum Plus Premium interest-bearing consumer checking account with platinum-level benefits including virtual healthcare, enhanced cell phone protection, travel perks, premium rate options, ID theft protection, health discounts, and shopping rewards. Available to individuals who live or work in the 22-county service area.
• Savings Accounts Personal savings account products with competitive dividend rates, including partner accounts and student accounts for members across the 22-county Florida service area.
• Certificate of Deposit (CD) Term deposit accounts offering guaranteed returns with various maturity terms; promotional rates such as 3.90% APY on 6-month CDs advertised for Achieva members.
• Money Market Accounts Money market deposit accounts with tiered interest rates, offering higher yields for larger balances, including Premier Money Market Plus.
• Retirement Accounts Individual retirement account (IRA) products including traditional IRAs, Roth IRAs, and SEP IRAs for retirement savings, available to individuals in the service area.
• Achieva Cash Rewards Mastercard Cash rewards credit card offering simplified finances with rates as low as 0% APR, providing cash back on everyday purchases for individual members.
• Vehicle Loans & Refinancing Vehicle loan products for purchasing or refinancing cars, trucks, boats, RVs, motorcycles, golf carts, jet skis, ATVs, and UTVs, with promotional financing including deferred payment programs. APRs as low as 4.75% on autos, 6.75% on boats/RVs/motorcycles, 5.75% on golf carts, 8.75% on jet skis/ATVs/UTVs.
• Mortgages Mortgage lending products including 15-year fixed, 30-year fixed, 30-year jumbo, and 5/1 ARM mortgages with 0-point options and 100% home financing available. Partnerships with Achieva Title Services for seamless real estate closing.
• Personal Loans Unsecured personal loans ranging from $1,500 to $25,000 for various financial needs, including debt consolidation and major purchases, with terms up to 40 months.
• Home Equity / HELOC Home equity lines of credit (HELOC) and home equity loan products allowing members to borrow against their home's equity.
• Student Loans Student loan products and refinancing options through a partnership with Sallie Mae for higher education financing, available to members and their families.
• Business Checking Business checking accounts for small business owners in Florida, with companion Achieva Business Credit Card offering unlimited 1.5% cash back on everyday purchases.
• Business Lending Commercial lending products including term loans, lines of credit, commercial real estate financing, and business credit facilities for small and mid-sized businesses in Florida.
• Business Credit Card Business credit card offering unlimited 1.5% cash back on everyday business purchases, designed for small business owners and commercial customers in Florida.
• Achieva Wealth Advisors Wealth management and financial advisory services including investment planning, portfolio management, and financial planning for individual and business members.
• Achieva Insurance Agency, LLC Insurance CUSO offering auto, home, boat, business, commercial, flood, and religious organization insurance across Florida through multiple carriers, with claims of savings up to 20% on auto insurance.
• Medicare Solutions Medicare health insurance plans and enrollment support offered through Achieva Insurance Agency with licensed agents on rotating schedule and monthly Medicare 101 educational meetings.
• Achieva Title Services Attorney-managed title and escrow CUSO formed by acquiring Veritas Title. Handles all real estate transaction services including title and abstract searches, closing document preparation, title insurance, and lien resolution across Florida.
• EVA Virtual Phone Assistant AI-powered 24/7 virtual phone assistant for Achieva members. Responds to voice commands for account inquiries, fund transfers, stop payments, and other transactions, with seamless transfer to live representatives during business hours.
• Mobile Banking App Mobile banking app available on iOS and Android, enabling account management, transfers, mobile deposits, bill pay, and Zelle P2P payments on-the-go for Achieva members.
• Online Banking Full-featured online banking platform at achievacu.com enabling members to manage accounts, pay loans, transfer funds, apply for new products, and access statements digitally.
• Achieva Merger Services Mergers and acquisitions consulting practice helping credit unions and banks identify partners, execute transactions, and merge operations. Built on Achieva's pioneering whole-bank acquisition experience.

Quantifiable outcome

• 87% customer satisfaction rate
• +5 more outcomes

Named customers2 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration9 records

Feature3 records

Partnerships

14 partnerships are on record, tiered minor and core.

• Florida FestivalsminorGTM or Marketing Partner · 6 January 2026Achieva partnered with Florida Festivals to present ukulele events across Florida in 2026, including World Ukulele Day kickoff, Sarasota Ukulele Fest, Naples Hugs, Downtown Clearwater Ukulele Fest, and Tampa Bay Ukulele Fest in Dunedin.
• City of ClearwatercoreGTM or Marketing Partner · 3 September 2025Achieva is presenting partner for the Clearwater Turkey Trot - one of Tampa Bay's most anticipated Thanksgiving traditions. Event includes 5K Timed Run, Fun Run, and 1-Mile Gobbler Run with live entertainment and family activities.
• The Salvation ArmycoreGTM or Marketing Partner · 17 November 2024Angel Tree program partnership - branches displayed Angel Trees where community members could fulfill holiday wishes for children and seniors. Ongoing multi-year partnership.
• Pinellas County School BoardcoreStrategic or Co-development Partner · 23 October 2024Educational System Relief Loans program providing $500-$3,000 low-interest loans to full-time school system employees impacted by Hurricanes Helene and Milton. More than $150,000 disbursed since October 2024.
• League of Southeastern Credit UnionsminorGTM or Marketing Partner · 23 October 2024Emergency Disaster Relief Grants of up to $2,500 available to Achieva employees impacted by Hurricanes Helene and Milton for immediate disaster relief needs.
• Harns Marsh Middle SchoolminorGTM or Marketing Partner · 20 September 2024Partners in Education program providing free meals to 100+ teachers, school supplies, and financial literacy programs for educators and students.
• Capstone StrategicminorImplementation/ SI/ Consulting Partner · 18 September 2024Capstone Strategic facilitated Achieva's acquisition of Veritas Title Service, providing strategic planning, evaluation, and negotiation services.
• Honor Flight West Central FloridaminorGTM or Marketing Partner · 6 September 2024Achieva partnered to send 75 veterans to visit memorials in Washington D.C. Three Achieva employees who are veterans served as guardians accompanying the honorees.
• Feeding Tampa BayminorGTM or Marketing Partner · 1 March 2024PAWS-for-a-Purpose pet food donation drive collected food for area pets. Achieva matched community donations up to 500 pounds of food.
• Pinellas Education FoundationminorGTM or Marketing Partner · 30 July 2021Stuff the Bus annual school supply drive with eight Pinellas County branch locations as collection sites.
• Telemundo 49 WRMDminorGTM or Marketing Partner · 19 February 2020Partnership to deliver personal finance and banking information to the Hispanic community in west-central Florida through Spanish-language content.
• Lissette CamposminorGTM or Marketing Partner · 19 February 2020Eight-time Emmy Award winning journalist and public figure serving as Achieva's Community Ambassador for Hispanic outreach initiatives.
• Habitat for Humanity SarasotaminorGTM or Marketing Partner · 28 May 201915 Achieva employees volunteered on build of three homes at Hammock Place. Achieva sponsored the block party celebration and continues to form meaningful partnerships benefiting the Sarasota community.
• Charlotte Stone CrabsminorGTM or Marketing Partner · 21 August 2018Multi-year partnership providing free tickets to police, firefighters, teachers, health care workers, and members at Saturday home games. Achieva Community Corner reserved for members and community partners.

Scale indicators10 records

Recent moves7 records

Expansion highlights6 records

Broad incumbents

• VyStar Credit Union: Top-tier Florida credit union (>$10B assets) with statewide branch presence, full-service consumer and business banking, and significant mortgage origination. Larger incumbent operating across Achieva's geography with greater scale economies.
• Hancock Whitney: Regional bank with significant Florida Gulf Coast presence offering consumer and commercial banking. Represents a non-credit-union incumbent competing for the same Florida retail and SMB deposits and loans.
• Suncoast Credit Union: One of the largest credit unions in Florida (>$15B assets) serving consumer and business members statewide with a broad product suite including mortgages, auto, business lending, and wealth. Represents a larger incumbent against which Achieva competes for Florida retail and SMB share.

Direct peers

• GTE Financial: Tampa Bay-headquartered credit union serving consumer and business members across West Central Florida with a comparable suite of deposit, loan, mortgage, and wealth products. Direct geographic peer with similar branch-led community positioning.
• Tropical Financial Credit Union: Florida-based credit union offering consumer and business banking products to members across South Florida. Comparable scale, member-owned structure, and full-service retail banking focus.
• Florida Credit Union: Florida-headquartered credit union offering consumer and business banking products with branch presence across central and north Florida. Comparable community-charter cooperative model and mid-scale retail banking orientation.
• MIDFLORIDA Credit Union: Florida-based community credit union of similar mid-size scale ($3–4B asset range), serving central Florida consumers and small businesses with a comparable branch-led, community-banking model. Most directly comparable peer by geography, product mix, and asset size.
• Grow Financial Federal Credit Union: Tampa Bay-area credit union serving consumer and business members across West Central Florida with deposits, loans, mortgages, and wealth services. Direct geographic overlap with Achieva's Pinellas/Hillsborough core and similar community-cooperative positioning.
• Fairwinds Credit Union: Central Florida-headquartered credit union serving members across multiple Florida counties with consumer and commercial banking, lending, and wealth management. Comparable member-owned cooperative model with multi-county branch footprint.

Emerging players

• Campus USA Credit Union: Florida-based community-charter credit union with a strong direct-lending and digital banking franchise. Comparable cooperative structure and growing Florida footprint with differentiated lending product emphasis.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/achievacu
• YouTubeyoutube.com/channel/UCz5T3rX3c1a5Q3p3rX3c1a5
• Facebookfacebook.com/AchievaCreditUnion
• LinkedInlinkedin.com/company/achieva-credit-union
• Instagraminstagram.com/achieva_credit_union

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles19 records

Subsidiaries5 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A2 records

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Achieva Credit Union