See our rates for Checking and Savings Accounts, Share Certificates, and Consumer Loans.
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 |
0.25% |
0.25% APY |
Quarterly |
|
KidsCount Savings |
0.75% |
0.75% APY |
Quarterly |
|
IRA Savings |
0.25% |
0.25% APY |
Quarterly |
|
Saver's Sweepstakes |
0.75% |
0.75% 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 |
0.10% |
0.10% APY |
Monthly |
|
Money Market/Share Premium $1,000.01 - $10,000.00 |
0.25% |
0.25% APY |
Monthly |
|
Money Market/Share Premium $10,000.01 - $25,000.00 |
0.30% |
0.30% APY |
Monthly |
|
Money Market/Share Premium $25,000.01 - $50,000.00 |
0.35% |
0.35% APY |
Monthly |
|
Money Market/Share Premium $50,000.01 - $100,000.00 |
0.40% |
0.40% APY |
Monthly |
|
Money Market/Share Premium $100,000.01 and over |
0.45% |
0.45% APY |
Monthly |
Share Certificates
|
Term |
Minimum Deposit |
Dividend Rate |
Annual Percentage Yield |
Dividend Paid |
|
6 Month |
$500 |
1.10% |
1.11% APY |
Monthly |
|
12 Month |
$500 |
2.00% |
2.02% APY |
Quarterly |
|
24 Month |
$500 |
2.20% |
2.22% APY |
Quarterly |
|
36 Month |
$500 |
2.30% |
2.32% APY |
Quarterly |
|
48 Month |
$500 |
2.35% |
2.37% APY |
Quarterly |
|
60 Month |
$500 |
2.47% |
2.49% 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 |
3.24% APR |
$29.19 |
|
4-5 Years |
3.99% APR |
$18.42 |
|
6 Years |
4.49% APR |
$15.88 |
|
7 Years |
5.49% APR |
$15.00 |
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 |
|
6 Years |
4.49% APR |
$15.88 |
|
7 Years |
5.49% APR |
$15.00 |
|
10 Years |
5.99% APR |
$12.00 |
|
15 Years |
6.49% APR |
$9.00 |
Long term boat & camper loans require a principal balance between $10,000-$75,000.
Signature Loans
|
Description |
APR as low as |
Monthly Payment per $1000 |
|
Up to 36 Months |
7.49% APR |
$31.11 |
|
FlexLine |
15.00% APR |
$30.00 |
|
SimpliRewards |
17.90% APR |
|
|
SimpliRewards Plus Business |
17.90% APR |
|
|
SimpliRewards Plus |
12.90% APR |
|
Minimum monthly payment for a FlexLine is $15.00 or 3% of the unpaid balance, whichever is greater.
See full credit card disclosures.
