See our rates for Checking and Savings Accounts, Share Certificates, and Consumer Loans.

Checking and Savings Accounts

Sharedraft Checking
Dividend Rate Annual Percentage Yield Dividend Paid
Share Club Checking Account 0.05% 0.05% APY Monthly
Health Savings 0.05% 0.05% APY Quarterly
Dividend Checking 0.05% 0.05% APY Monthly
Really Free Checking 0.00% 0.00% APY
Regular Savings
Dividend Rate Annual Percentage Yield Dividend Paid
Card Savings 0.05% 0.05% APY Quarterly
Open Savings 0.10% 0.10% APY Quarterly
Seasonal Savings 0.25% 0.25% APY Quarterly
KidsCount/CUSucceed Savings 0.75% 0.75% APY Quarterly
IRA Savings 0.25% 0.25% APY Quarterly
Share Premium Savings
Dividend Rate Annual Percentage Yield Dividend Paid
Share Premium Savings $25.00 - $1,000.00 0.10% 0.10% APY Monthly
Share Premium $1,000.01 - $10,000.00 0.25% 0.25% APY Monthly
Share Premium $10,000.01 - $25,000.00 0.30% 0.30% APY Monthly
Share Premium $25,000.01 - $50,000.00 0.35% 0.35% APY Monthly
Share Premium $50,000.01 - $100,000.00 0.40% 0.40% APY Monthly
Share Premium $100,000.01 and over 0.45% 0.45% APY Monthly
Money Market Checking
Dividend Rate Annual Percentage Yield Dividend Paid
Money Market $25.00 - $1,000.00 0.10% 0.10% APY Monthly
Money Market $1,000.01 - $10,000.00 0.20% 0.20% APY Monthly
Money Market $10,000.01 - $25,000.00 0.25% 0.25% APY Monthly
Money Market $25,000.01 - $50,000.00 0.30% 0.30% APY Monthly
Money Market $50,000.01 - $100,000.00 0.35% 0.35% APY Monthly
Money Market $100,000.01 and over 0.40% 0.40% APY Monthly
Club Accounts
Dividend Rate Annual Percentage Yield Dividend Paid
Holiday Club 0.25% 0.25% APY Annually
Vacation Club 0.25% 0.25% APY Annually
Graduation Club 0.75% 0.75% APY Quarterly

Share Certificates

Term Minimum Deposit Dividend Rate Annual Percentage Yield Dividend Paid
6 Month $500 0.40% 0.40% APY Monthly
12 Month $500 0.80% 0.80% APY Quarterly
18 Month $500 0.90% 0.90% APY Quarterly
24 Month $500 0.95% 0.95% APY Quarterly
30 Month $500 1.05% 1.05% APY Quarterly
36 Month $500 1.05% 1.05% APY Quarterly
48 Month $500 1.20% 1.21% APY Quarterly
60 Month $500 1.35% 1.36% APY Quarterly

Account Rate Disclosures

  • APY = annual percentage yield.
  • Early withdrawal penalties apply for Share Certificates 
  • $25 minimum balance required to earn dividends, except KidsCount/CU Succeed Savings which requires $5 minimum balance to earn dividends, and Dividend and Share Club 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
up to 36 Months 2.49% APR $28.86
37-72 Months 3.49% APR $15.41
84 Months 4.99% APR $14.13

Secured loans with a term of 84 months require a principal balance of $20,000 or greater.

Boat/Camper Long Term Loans
Term APR as low as Monthly Payment per $1000
84 Months 4.49% APR $13.90
96 Months 4.49% APR $12.42
108 Months 4.99% APR $11.51
120 Months 4.99% APR $10.60

Long term boat & camper loans require a principal balance between $25,000-$75,000.

Signature Loans
Description APR as low as Monthly Payment per $1000
Up to 36 Months 6.49% APR $30.64
Overdraft/Kwik Cash Line of Credit 15.00% APR $30.00
MasterCard Elite 7.90% APR
MasterCard Standard 17.90% APR
MasterCard/Visa Classic 13.90% APR

Minimum monthly payment for a Kwik Cash or Overdraft Loan is $15.00 or 3% of the unpaid balance, whichever is greater.  

See full credit card disclosures for MasterCard® Elite, MasterCard®/Visa® Classic, and MasterCard® Standard.