Achieva Financial review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Achieva Financial is a Canadian credit union whose daily interest savings account pays 1.8% on a variable rate, with money available whenever a member wants it. It suits people who value access and a fee-free balance over chasing a top return, though 1.8% trails the 3.29% that Wise pays.
Key facts
- Best for
- Members in Canada who want a fee-free easy-access account.
- Headline rate
- 1.8%↗
- Rate type
- Variable↗
- Access terms
- Daily Interest Savings Account: funds fully accessible, interest calculated on daily closing balance and paid monthly↗
- Monthly fee
- CA$0↗
- Account kind
- Easy access↗
- Legal entity
- Cambrian Credit Union↗
- Headquarters
- Canada↗
- Founded
- 1998↗
- Support channels
- Email, Chat, Phone, Help-centre↗
- Pricing model
- No monthly fee
- Official website
- achieva.mb.ca
Facts checked September 26, 2026, 2 sources
Apps and profiles
- Get the app
- App StoreGoogle Play
Pros and cons
Pros
- Interest is worked out on the daily closing balance and paid monthly, so the return follows the money actually held.
- The monthly fee is CAD 0 and the account model is no monthly fee, so holding the balance costs nothing to maintain.
- Support runs on email, chat and phone, so a question can be asked by phone or in writing.
Cons
- The 1.8% variable rate is well under the 3.29% from Wise and the 3.01% from bunq.
- Ranked 351 of 488 on headline rate, and below the site median 3%.
- The account is easy access, so balances stay withdrawable at any time, which is the trade for a 1.8% rate.
Who it suits
- Members of the credit union in Canada who want everyday access to their savings.
- People who want an easy access account with a monthly fee of CAD 0 and no term to track.
- Holders who are happy to keep cash with a Canadian credit union rather than a savings app.
Who should look elsewhere
- Savers shopping on rate alone: Wise pays 3.29% and bunq pays 3.01%.
- A comparison driven purely by rate, where Finteres shows a headline rate range of 0% to 36%.
Who runs it
Achieva Financial operates as Cambrian Credit Union, a credit union based in Canada. The credit union has been trading since 1998, and the savings account is one of its deposit products rather than a separate savings brand. Support for members is handled by the same credit union through email, chat and phone.
How Achieva Financial compares
9.1 vs 8.0
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Where Achieva Financial is available
- Available
- Canada
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What rate does Achieva Financial pay on savings?+
The daily interest savings account pays 1.8% on a variable rate, so the return moves with the market rather than being locked for a set period. Interest is worked out on the daily closing balance and paid monthly, and the monthly fee is CAD 0.
What does the account cost to hold?+
The monthly fee on the daily interest savings account is CAD 0, and the account model is no monthly fee. In practice the balance is not eaten into by a recurring maintenance charge, which is usually the main cost line on a savings account of this kind.
What kind of savings account is this?+
It is a easy access account. Achieva Financial sells it as a daily interest savings account, where funds stay fully accessible, and easy-access accounts account for 75.2% of the accounts on the site. That makes it a home for everyday money rather than money tied up for a period.
How and when is interest paid?+
Interest is calculated on the daily closing balance and paid monthly, so the amount reflects how much money is actually in the account on each day. The rate is variable, meaning it can move over the year, and the 1.8% shown is the current level.
Who runs Achieva Financial?+
The account is run by Cambrian Credit Union, a credit union based in Canada, under the Achieva Financial name. The credit union has been trading since 1998, and the savings account sits with the same organisation rather than a separate savings provider.
How do I get help with the account?+
Support runs on email, chat and phone, so a question can go by email, chat or phone, or be looked up in a help centre. Those channels are listed for the credit union as a whole rather than for the savings account alone, so the same contact details apply to a balance or rate question.
How does the rate compare with other savings accounts?+
At 1.8% the account sits below the site median 3% and near the lower end, ranking 351 of 488 brands on headline rate. Wise pays 3.29% and bunq 3.01%, so rate alone points elsewhere.
Who is this account aimed at?+
It suits members of the credit union who want money available without notice and a monthly fee of CAD 0, rather than a saver chasing the highest rate. The easy access setup and the variable rate make the balance a fit for emergency cash and short-term money, not a fixed commitment.
Sources
- achieva.mb.ca/about-achieva checked September 26, 2026
Backs: Founded, Headquarters, Legal entity, Support channels
“Established in 1998, Achieva Financial was among Canada's first online-only financial institutions”
- achieva.mb.ca/daily-interest-savings-account checked September 26, 2026
Backs: Access terms, Account kind, Headline rate, Pricing model, Monthly fee, Rate type
“the Daily Interest Savings Account allows you to earn high interest on your savings while keeping them fully accessible. Interest is calculated on daily closing balance and paid monthly.”
Compiled from 2 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Term, Minimum deposit, Deposit protection.