IMPORTANT INFO

PLEASE NOTE: Beginning May 15th, 2026, payments should be sent to:
Velera Lockbox, PO Box 37035, Boone, IA 50037-0035

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.

Apply for a Personal Credit Card or Card Limit Increase

Not a Member? Apply for a Credit Card

Apply for a New Business Credit Card

Make a Payment in Online Banking

Rewards Plus
Features
  • 12.75% APR* for purchases
  • 12.90% APR* for cash advance & balance transfer
  • Fixed Rate
  • No Balance Transfer Fee
Rewards Plus Business
Features
  • 17.75% APR* for purchases
  • 17.90% APR* for cash advance & balance transfer
  • Fixed Rate
  • No Balance Transfer Fee
Rewards
Features
  • 17.75% APR* for purchases
  • 17.90% APR* for cash advance & balance transfer
  • Fixed Rate
  • No Balance Transfer Fee

The information described here is accurate as of July 12, 2021. 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.

CardRewards

Credit Card Rewards

More ways to earn points are on the way. When credit card rewards launch in May 2026, you’ll earn:

  • 3 points per $1 on qualifying gas and grocery purchases
  • 2 points per $1 on qualifying restaurant purchases
  • 1 point per $1 on all other qualifying purchases
  • Does not earn points:
    • Cash advances
    • Cash‑back portions of transactions

How Points Are Calculated

  • Points are based on your net purchase amount (purchases minus returns or adjustments).
  • Points post daily to your rewards balance.
  • Points tied to disputed transactions may be temporarily removed until the dispute is resolved.

See Terms & Conditions

FAQ

What should I do if I lose my credit card?

Call Us - 844.7MY.COOP (844.769.2667)

After Hours - 844.421.4428

What is the grace period?

There's a grace period of 25 days from the time you make a purchase to the time that charge starts accruing interest.

What is the annual fee?

There is no annual fee!

How much will I be charged for foreign transactions?
1% of each transaction in U.S. Dollars
Is there a returned payment fee?

Yes, up to $25.00.