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 |
Card Savings |
0.05% |
0.05% APY |
Quarterly |
Open Savings |
0.10% |
0.10% APY |
Quarterly |
Seasonal Savings |
1.00% |
1.00% APY |
Quarterly |
KidsCount Savings |
1.00% |
1.00% APY |
Quarterly |
IRA Savings |
0.25% |
0.25% APY |
Quarterly |
Saver's Sweepstakes |
0.15% |
0.15% 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/Share Premium Savings
|
Dividend Rate |
Annual Percentage Yield |
Dividend Paid |
Money Market/Share Premium $25.00 - $1,000.00 |
0.15% |
0.15% APY |
Monthly |
Money Market/Share Premium $1,000.01 - $10,000.00 |
0.30% |
0.30% APY |
Monthly |
Money Market/Share Premium $10,000.01 - $25,000.00 |
0.40% |
0.40% APY |
Monthly |
Money Market/Share Premium $25,000.01 - $50,000.00 |
0.50% |
0.50% APY |
Monthly |
Money Market/Share Premium $50,000.01 - $100,000.00 |
0.55% |
0.55% APY |
Monthly |
Money Market/Share Premium $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 |
$500 |
3.00% |
3.04% APY |
Monthly |
12 Month |
$500 |
3.75% |
3.80% APY |
Quarterly |
24 Month |
$500 |
4.00% |
4.06% APY |
Quarterly |
36 Month |
$500 |
3.75% |
3.80% APY |
Quarterly |
48 Month |
$500 |
3.50% |
3.55% APY |
Quarterly |
60 Month |
$500 |
3.40% |
3.44% APY |
Quarterly |
7 Month Special |
$500 |
4.25% |
4.32% APY |
Quarterly |
19 Month Special |
$500 |
4.55% |
4.63% APY |
Quarterly |
11 Month Special |
$50000 |
5.00% |
5.09% 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 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 |
$29.74 |
4-5 Years |
5.24% APR |
$18.98 |
6 Years |
5.49% APR |
$16.33 |
7 Years |
6.24% APR |
$14.72 |
Secured loans with a term of 84 months require a principal balance of $20,000 or greater.
Additional rate discounts available for a Simplicity Checking Account with Direct Deposit, financing 75% Loan-to-Value or refinancing a loan from another lender.
Boat/Camper/UTV/Tractor Long Term Loans
Term |
APR as low as |
Monthly Payment per $1000 |
6 Years |
5.49% APR |
$16.33 |
7 Years |
6.24% APR |
$14.72 |
10 Years |
6.49% APR |
$11.35 |
15 Years |
6.99% APR |
$8.98 |
Long term boat & camper loans require a minimum balance of $10,000.
10 year UTV loans require a minimum principal balance of $10,000.
15 year term not applicable for UTV loans.
Maximum age for tractor is 10 years old.
Additional rate discounts available for a Simplicity Checking Account with Direct Deposit, 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 |
9.99% APR |
$32.26 |
FlexLine |
15.00% APR |
$30.00 |
Minimum monthly payment for a FlexLine is $15.00 or 3% of the unpaid balance, whichever is greater.
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.