Rates

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

APY = Annual Percentage Yield
APR = Annual Percentage Rate

• APY = annual percentage yield.
• Substantial 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.
• 11-Month Special: Offer valid 12/1/23 - 12/31/23. 

Secured Loans

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/UTV/Tractor Long Term Loans

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 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

Minimum monthly payment for a FlexLine is $15.00 or 3% of the unpaid balance, whichever is greater. 

Credit Cards

See full credit card disclosures.