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 |
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 |
|
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 |
0.25% |
0.25% APY |
Monthly |
|
Money Market $10,000.01 - $25,000.00 |
0.30% |
0.30% APY |
Monthly |
|
Money Market $25,000.01 - $50,000.00 |
0.35% |
0.35% APY |
Monthly |
|
Money Market $50,000.01 - $100,000.00 |
0.40% |
0.40% APY |
Monthly |
|
Money Market $100,000.01 and over |
0.45% |
0.45% 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 |
1.10% |
1.11% APY |
Monthly |
|
12 Month |
$500 |
1.50% |
1.51% APY |
Quarterly |
|
15 Month |
$500 |
1.75% |
1.76% APY |
Quarterly |
|
24 Month |
$500 |
1.60% |
1.61% APY |
Quarterly |
|
36 Month |
$500 |
2.00% |
2.02% APY |
Quarterly |
|
48 Month |
$500 |
2.50% |
2.52% APY |
Quarterly |
|
60 Month |
$500 |
2.75% |
2.78% 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 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 |
2.99% APR |
$29.08 |
|
37-72 Months |
3.99% APR |
$15.64 |
|
84 Months |
5.99% APR |
$14.60 |
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 |
|
72 Months |
3.99% APR |
$15.50 |
|
84 Months |
4.99% APR |
$14.98 |
|
120 Months |
5.49% APR |
$10.69 |
|
180 Months |
5.99% APR |
$8.26 |
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 |
$30.87 |
|
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.
