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Best for: Members refinancing a new or used vehicle with flexible terms

Achieva Credit Union

Achieva Credit Union — auto rates as low as 5.00% APR with terms up to 84 months.

Min credit
Not disclosed
APR
From 5.00%
Max vehicle age
Not disclosed
Max mileage
Not disclosed

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"Not disclosed" means Achieva Credit Union does not publish this on their public site. "No restriction" means Achieva Credit Union explicitly states no limit.

Overview

Achieva Credit Union refinances auto loans currently financed with other lenders, with rates advertised as low as 5.00% APR for new and used vehicles. Achieva offers flexible terms up to 84 months, deferred payments up to 90 days, and no pre-payment penalties.…

What’s great

  • Auto rates as low as 5.00% APR
  • Flexible terms up to 84 months
  • Deferred payments up to 90 days available

What to know

  • Indirect Achieva auto loans from the past 12 months are not eligible for refinancing
  • Internal refinances may be subject to a $200 refinance fee
  • Full APR range and loan amount limits not published

Eligibility

Minimum credit scoreNot disclosed
APR rangeNot disclosed
APR floor (as low as)From 5.00% — minimum only; full range not published
Maximum vehicle ageNot disclosed
Maximum mileageNot disclosed
Loan amount rangeNot disclosed
Term lengthUp to 84 months
States servedNot disclosed
Membership requirementAvailable to immediate family members of a current Achieva member, including parents, children, spouse, or surviving spouse, or any other relative by blood, marriage, or adoption.

FAQ

See your matched lenders and get prequalified. Takes ~3 minutes.

Get matched to lenders and prequalify on banks.com

Sources

Every figure on this page is sourced from Achieva Credit Union's own published materials. Rates, eligibility, and terms can change — verify directly with Achieva Credit Union before applying.

  1. [1]Credit Union Loan Options & Rates | Personal Loans | Auto Loans — Achieva Credit Union
    https://www.achievacu.com/home/loans
    Last checked: October 2026
  2. [2]Current Rates & Fees | Auto & Mortgage Rates — Achieva Credit Union
    https://www.achievacu.com/Rates/
    Last checked: October 2026
  3. [3]Achieva Credit Union Membership | Credit Union Near Me — Achieva Credit Union
    https://www.achievacu.com/Home/Membership
    Last checked: October 2026