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Last Updated: 04/18/2025
Achieve FCU Smart Start Certificates
Unaffiliated
Last Updated: 04/18/2025
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Highlights
APY (Annual Percentage Yield)
0.10% - 0.40%(Verified 06/21/2024)
Minimum Opening Deposit
$500
Certificate Term
- 6 months
- 12 months
- 15 months
- 18 months
- 2 years
- 30 months
- 3 years
- 4 years
- 5 years
Achieve FCU Smart Start Certificates Review
Achieve FCU Smart Start Certificates are offered by Achieve Financial Credit Union, a credit union founded in 1934 and based in New Britain, CT. Achieve FCU Smart Start Certificates are available in 50 states and Washington, DC.
Key Takeaways
- Only one share certificate type available. Achieve FCU Smart Start Certificates only offers traditional share certificate accounts.
- Low APY. The maximum annual percentage yield for this account is only 0.40%.
- $500.00 minimum deposit. This is a typical minimum initial deposit for the certificates we track.
- Wide selection of certificate terms. Achieve FCU Smart Start Certificates allows you to create a certificate ladder by spreading your cash across certificates with different terms. This combines the benefits of frequent access to funds and higher rates of return on your savings.
Pros & Cons of Achieve FCU Smart Start Certificates
| Pros | Cons |
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Achieve FCU Smart Start Certificates FAQ
Are share certificates from Achieve Financial Credit Union federally insured?
Yes, your share certificates are insured up to $250,000 per share owner for each account ownership category. The National Credit Union Administration (NCUA), a federal agency, administers the insurance fund and regulates federally insured credit unions. The fund is backed by the full faith and credit of the U.S. Government.
What is the difference between CDs and Share Certificates?
Certificates of Deposit (CDs) and Share Certificates are both deposit accounts where your money can grow at a fixed rate for a predetermined period of time. Both are low-risk and federally insured products designed to give you a better rate on your deposits than typical savings accounts. The main difference between them is that CDs are offered by for-profit banks, whereas Share Certificates are offered by member-owned, not-for-profit credit unions.
What types of share certificates does Achieve Financial Credit Union offer?
Achieve FCU Smart Start Certificates provides the following types of share certificates.- Traditional share certificates. These share certificates pay a fixed interest rate if you deposit a fixed amount of money for a specific term. Once the maturity date arrives, you have the option of cashing out or automatically renewing the share certificate for another term.
What rates does Achieve Financial Credit Union offer on its share certificates?
Achieve FCU Smart Start Certificates offers an APY starting at 0.10% and ranging up to 0.40%. APY stands for annual percentage yield and shows the interest rate paid by the share certificate after taking into account compounding.
What terms does Achieve FCU Smart Start Certificates offer?
Achieve Financial Credit Union offers share certificate terms of the following lengths:| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Certificate Term |
| ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12-Month APY | 0.10% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| APY (Annual Percentage Yield) | 0.10% - 0.40% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 6-Month APY | 0.10% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2-Year APY | 0.20% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 3-Year APY | 0.30% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4-Year APY | 0.35% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 5-Year APY | 0.40% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 15-month APY | 0.10% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 18-Month APY | 0.15% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 30-month APY | 0.25% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What is the minimum deposit to open a share certificate account with Achieve Financial Credit Union?
Achieve FCU Smart Start Certificates require a minimum deposit of $500.00 to open an account.
What is the grace period for Achieve FCU Smart Start Certificates?
There is a 7-day grace period for Achieve FCU Smart Start Certificates. A grace period is a period of time during which you can withdraw the money in your share certificate without paying an early withdrawal penalty. A grace period starts the day after a share certificate’s maturity date, or the final day a share certificate is opened. Standard share certificates renew automatically at the same term if you don't withdraw your money after the 7-day grace period. Note that the new share certificate rates probably won’t be the same as the original.
What types of fees, such as early withdrawal penalties, does Achieve Financial Credit Union charge?
Financial institutions don't typically charge many fees on share certificates. However, most charge a fee if you choose to withdraw your money before the term ends.
Achieve Financial Credit Union charges an early withdrawal fee.
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Hours of Operation
Sunday
Closed
Monday
10:00AM - 4:00PM
Tuesday
10:00AM - 4:00PM
Wednesday
10:00AM - 5:00PM
Thursday
10:00AM - 5:00PM
Friday
10:00AM - 5:00PM
Saturday
Closed
Other Services by Achieve Financial Credit Union
Other CD Accounts from Achieve Financial Credit Union
Rating not yet determined
APY (Annual Percentage Yield)
0.10% - 0.40%
Disclaimer popup with additional information
Minimum Opening Deposit
$1,000
Certificate Term
- 6 months
- 12 months
- 15 months
- 18 months
- 2 years
- 30 months
- 3 years
- 4 years
- 5 years
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