See our rates for Checking and Savings Accounts, Share Certificates, and Consumer Loans.
APY = Annual Percentage Yield
APR = Annual Percentage Rate
Checking and Savings Accounts
Regular Savings
|
|
Dividend Rate |
Annual Percentage Yield |
Dividend Paid |
|
Savings |
0.10% |
0.10% APY |
Quarterly |
|
RISE Savings |
2.23% |
2.25% APY |
Quarterly |
|
IRA Savings |
0.25% |
0.25% APY |
Quarterly |
Sharedraft Checking
|
|
Dividend Rate |
Annual Percentage Yield |
Dividend Paid |
|
Health Savings |
0.05% |
0.05% APY |
Quarterly |
|
Dividend Checking |
0.05% |
0.05% APY |
Monthly |
|
Really Free Checking |
0.00% |
0.00% APY |
|
Money Market Checking
|
|
Dividend Rate |
Annual Percentage Yield |
Dividend Paid |
|
Money Market $25.00 - $10,000.00 |
0.55% |
0.55% APY |
Monthly |
|
Money Market $10,000.01 - $25,000.00 |
0.65% |
0.65% APY |
Monthly |
|
Money Market $25,000.01 - $50,000.00 |
1.25% |
1.26% APY |
Monthly |
|
Money Market $50,000.01 - $100,000.00 |
1.60% |
1.61% APY |
Monthly |
|
Money Market $100,000.01 - $250,000.00 |
2.72% |
2.75% APY |
Monthly |
|
Money Market $250,000.01 - $500,000 |
3.93% |
4.00% APY |
Monthly |
|
Money Market $500,000.01 and over |
4.17% |
4.25% APY |
Monthly |
Share Premium Savings
|
|
Dividend Rate |
Annual Percentage Yield |
Dividend Paid |
|
Share Premium Savings $25.00 - $1,000.00 |
0.15% |
0.15% APY |
Monthly |
|
Share Premium Savings $1,000.01 - $10,000.00 |
0.30% |
0.30% APY |
Monthly |
|
Share Premium Savings $10,000.01 - $25,000.00 |
0.40% |
0.40% APY |
Monthly |
|
Share Premium Savings $25,000.01 - $50,000.00 |
0.50% |
0.50% APY |
Monthly |
|
Share Premium Savings $50,000.01 - $100,000.00 |
0.55% |
0.55% APY |
Monthly |
|
Share Premium Savings $100,000.01 and over |
0.65% |
0.65% APY |
Monthly |
Share Certificates
|
Term |
Minimum Deposit |
Dividend Rate |
Annual Percentage Yield |
Dividend Paid |
|
6 Month |
$250 |
1.24% |
1.25% APY |
Monthly |
|
12 Month |
$250 |
2.72% |
2.75% APY |
Quarterly |
|
24 Month |
$250 |
2.97% |
3.00% APY |
Quarterly |
|
36 Month |
$250 |
3.75% |
3.80% APY |
Quarterly |
|
48 Month |
$250 |
3.50% |
3.55% APY |
Quarterly |
|
60 Month |
$250 |
3.40% |
3.44% APY |
Quarterly |
|
7 Month Special |
$250 |
3.94% |
4.00% APY |
Quarterly |
|
19 Month Special |
$250 |
3.70% |
3.75% APY |
Quarterly |
Account Rate Disclosures
- APY = annual percentage yield.
- Substantial early withdrawal penalties apply for Share Certificates
- $25 minimum balance required to earn dividends, except RISE Savings which requires $5 minimum balance to earn dividends, and Dividend accounts which earn dividends on balances over $1000.
- No dividend is paid if an account is closed prior to the dividend pay date.
- All rates are subject to change without notice at the discretion of Simplicity Credit Union.
- Please contact Simplicity for verification of current rates.
- Review the terms and conditions for full account details.
Consumer Loans
Secured Loans
|
Term |
APR as low as |
Monthly Payment per $1000 |
|
1-3 Years |
4.49% APR |
$29.75 |
|
4-5 Years |
5.24% APR |
$23.15 |
|
6 Years |
5.49% APR |
$16.61 |
|
7 Years |
6.24% APR |
$14.73 |
Secured loans with a term of 84 months require a principal balance of $20,000 or greater.
Additional rate discounts are available for a Simplicity Checking Account with Direct Deposit, Active Duty or Retired Military Members, Borrowers financing 75% Loan-to-Value, or refinancing a loan from another lender.
Boat/Camper Long Term Loans
|
Term |
APR as low as |
Monthly Payment per $1000 |
|
6 Years |
5.49% APR |
$16.34 |
|
7 Years |
6.24% APR |
$14.73 |
|
10 Years |
6.74% APR |
$11.49 |
|
15 Years |
7.24% APR |
$9.13 |
Long term boat & camper loans require a minimum balance of $10,000 for 10 years & minimum balance of $20,000 for 15 years.
Additional rate discounts are available for a Simplicity Checking Account with Direct Deposit, Active Duty or Retired Military Members, Borrowers financing 75% Loan-to-Value, or refinancing a loan from another lender.
ATV/UTV Long Term Loans
|
Term |
APR as low as |
Monthly Payment per $1000 |
|
6 Years |
5.49% APR |
$16.34 |
|
7 Years |
6.24% APR |
$14.73 |
|
10 Years |
6.74% APR |
$11.49 |
10 year ATV/UTV loans require a minimum principal balance of $10,000.
Additional rate discounts are available for a Simplicity Checking Account with Direct Deposit, Active Duty or Retired Military Members, Borrowers financing 75% Loan-to-Value, or refinancing a loan from another lender.
Tractor Long Term Loans
|
Term |
APR as low as |
Monthly Payment per $1000 |
|
6 Years |
5.49% APR |
$16.34 |
|
7 Years |
6.24% APR |
$14.73 |
|
10 Years |
7.24% APR |
$11.74 |
|
15 Years |
7.99% APR |
$9.56 |
Maximum age for tractor is 10 years old.
Long term tractor loans require a minimum balance of $10,000 for 10 years & minimum balance of $20,000 for 15 years.
Additional rate discounts are available for a Simplicity Checking Account with Direct Deposit, Active Duty or Retired Military Members, Borrowers financing 75% Loan-to-Value, or refinancing a loan from another lender.
Signature Loans & Consolidation Loan
|
Description |
APR as low as |
Monthly Payment per $1000 |
|
Up to 36 Months |
10.49% APR |
$32.50 |
|
FlexLine |
15.00% APR |
$30.00 |
|
Consolidation Loan |
13.99% APR |
$34.19 |
Minimum monthly payment for a FlexLine is $15.00 or 3% of the unpaid balance, whichever is greater.
Consolidation Loans are not based on score or term.
Credit Cards
|
Description |
APR as low as |
Monthly Payment per $1000 |
|
SimpliRewards |
17.90% APR |
|
|
SimpliRewards Plus Business |
17.90% APR |
|
|
SimpliRewards Plus |
12.90% APR |
|
See full credit card disclosures.
