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 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 0.15% 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 0.65% 0.65% APY Monthly
12 Month $500 1.30% 1.31% APY Quarterly
24 Month $500 1.85% 1.86% APY Quarterly
36 Month $500 2.00% 2.02% APY Quarterly
48 Month $500 2.25% 2.27% APY Quarterly
60 Month $500 2.50% 2.52% 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 3.49% APR $29.30
4-5 Years 4.24% APR $22.69
6 Years 4.24% APR $15.76
7 Years 5.24% APR $14.25

Secured loans with a term of 84 months require a principal balance of $20,000 or greater.
Rates include a .25% discount for a Simplicity Checking Account with Direct Deposit and a .25% discount for financing 75% of value.

Boat/Camper/UTV Long Term Loans
Term APR as low as Monthly Payment per $1000
6 Years 4.24% APR $15.76
7 Years 5.74% APR $14.25
10 Years 5.74% APR $10.98
15 Years 6.24% APR $8.58

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.
Rates include a .25% discount for a Simplicity Checking Account with Direct Deposit and a .25% discount for financing 75% of value.

Signature Loans & Consolidation Loan
Description APR as low as Monthly Payment per $1000
Up to 36 Months 8.49% APR $31.57
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.