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.
