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50+ Years
experience
Your Trusted Partner for Financial Solutions in Elyria
We are a locally rooted credit union dedicated to supporting our community's financial growth since 1958. Our mission centers on exceeding expectations through superior service and ethically sound financial products, fostering members' financial success. We offer a comprehensive range of savings, checking, and loan solutions, all delivered with personalized attention that distinguishes us from traditional banks. With over $160 million in assets and serving more than 11,000 members across Lorain County and surrounding areas, we maintain our founding principles of Service Excellence, Integrity, Respect, and Professionalism. Our history of community engagement began with a $20 investment from founding member John Bartter and has grown through strategic expansions, including three physical branches and a nationwide shared branching network.

We prioritize financial education and community impact, offering workshops and resources to address workplace financial wellness and local economic development. Our digital banking tools provide 24/7 access to account management, mobile deposits, and card controls, while our partnership with CO-OP Network grants access to 30,000 ATMs and 5,000 shared branches nationwide. We maintain full transparency with publicly available financial statements and operate under dual insurance protection through American Share Insurance and Excess Share Insurance, safeguarding deposits up to $500,000 per account. With over 40 dedicated employees, we combine local expertise with modern financial solutions to help members achieve their financial goals.
Services
Savings Accounts Vehicle Loans Home Equity Loans Business Banking Digital Banking Credit Cards Personal Loans Mortgage Services Financial Planning Shared Branching
Details
  • Year established: 1958
Highlights and features
  • We offer locally tailored financial solutions with nationwide accessibility through CO-OP Network.
  • Our dual insurance protection safeguards deposits up to $500,000 per account.
  • We provide personalized loan consultations with no prepayment penalties.
  • We maintain full financial transparency with publicly available statements.
  • Our digital banking suite includes real-time card controls and mobile deposit features.
Associations and certifications
  • American Share Insurance
  • Excess Share Insurance Corporation
Services
Vehicle Loans
Competitive auto loans for new and used vehicles with rates starting at 4.99% APR. Flexible terms accommodate various credit profiles, and our local underwriting process ensures personalized service. Members benefit from no application fees and the ability to refinance existing loans for better terms.
Home Equity Loans
Fixed-rate home equity loans starting at 5.99% APR for home improvements, debt consolidation, or major purchases. Loan amounts depend on home equity position and creditworthiness. Our advisors help determine optimal loan-to-value ratios while maintaining competitive rates for qualified applicants.
Business Banking
Comprehensive business accounts including checking, savings, and money market options with tiered dividend rates. Features free online banking, mobile deposit capture, and bill payment systems. Specialized support for nonprofits and small businesses includes customized financial management tools.
Digital Banking
24/7 account access through mobile apps and web platforms. Features include remote deposits, real-time transaction monitoring, card controls, and bill payment. The SecurLOCK Equip app provides instant card management with location-based security features and spending alerts.
Savings Accounts
Basic savings accounts with $5 minimum opening deposit and tiered dividend rates. Specialized Christmas and Vacation Club accounts help with goal-based savings. All personal accounts maintain $500,000 insurance coverage through dual protection programs.
Questions
How do I become a member of Achieve Credit Union?
Membership is open to anyone living, working, worshiping, or studying in Lorain, Cuyahoga, Erie, or Medina counties. Visit any branch with valid ID and $5 to open a membership account.
What loan options are available for first-time car buyers?
We offer new and used vehicle loans with rates starting at 4.99% APR. Our loan specialists help first-time buyers understand financing terms and build credit responsibly.
How are my deposits protected at Achieve Credit Union?
Deposits receive $500,000 protection per account through combined coverage from American Share Insurance and Excess Share Insurance Corporation.
Can I access my accounts outside regular business hours?
Yes, our digital banking platform provides 24/7 access to account management, mobile deposits, and transaction monitoring through mobile apps and online portals.
What business banking services do you offer?
We provide business checking, savings, and money market accounts with free online banking, bill payment, and mobile deposit features tailored for small businesses and nonprofits.