Tired of high adjustable rates, fees and headaches?  Our credit cards have low fixed rates, low or no fees, and peace of mind.  They're a great option to build or rebuild your credit. Simplicity credit cards provide extra security for online purchases as well as an emergency backup for unexpected expenses.

Features
  • 7.9% APR*
  • Fixed Rate
  • No Balance Transfer Fee
Features
  • 13.9% APR*
  • Fixed Rate
  • No Balance Transfer Fee
Features
  • 17.9% APR*
  • Fixed Rate
  • No Balance Transfer Fee

The information described here is accurate as of April 25, 2014. This information may have changed after that date. To find out what may have changed call, email or write Simplicity Credit Union.*New purchases will not incur a Finance Charge on the date they are posted to your Account if you have paid the Account in full by the Payment Due Date shown on your previous monthly statement or if there was no Previous Balance. Cash advances incur a Finance Charge from the date they are posted to your Account.

We figure the Finance charge on your Account by multiplying the Monthly Periodic Rate by the Average Daily Balance. The Average Daily Balance is determined by taking the beginning balance of your Account each day and then adding in new purchases, cash advances, and balance transfers, and subtracting any payments or credits and any unpaid Finance charges. This gives us the Daily Balance. Then, we add up all the Daily Balances for the billing cycle and divide the total by the number of days in the billing cycle. This gives us the Average Daily Balance. If your periodic rate is computed based on an index, your periodic rate(s) may vary

FAQ

Call Us - 844.7MY.COOP (844.769.2667)

After Hours - 800.442.4757

There is no annual fee!

1% of each transaction in U.S. Dollars

Yes, there is a $25.00 fee for a returned payment.