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
RISE Savings 2.72% 2.75% 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
Business Checking 0.05% 0.05% APY Monthly
Money Market Checking
Dividend Rate Annual Percentage Yield Dividend Paid
Money Market $25.00 - $10,000.00 0.55% 0.55% APY Monthly
Money Market $10,000.01 - $25,000.00 0.65% 0.65% APY Monthly
Money Market $25,000.01 - $50,000.00 1.25% 1.26% APY Monthly
Money Market $50,000.01 - $100,000.00 1.60% 1.61% APY Monthly
Money Market $100,000.01 - $250,000.00 3.44% 3.50% APY Monthly
Money Market $250,000.01 and over 4.18% 4.25% APY Monthly
Share Premium Savings
Dividend Rate Annual Percentage Yield Dividend Paid
Share Premium Savings $25.00 - $1,000.00 0.15% 0.15% APY Monthly
Share Premium Savings $1,000.01 - $10,000.00 0.30% 0.30% APY Monthly
Share Premium Savings $10,000.01 - $25,000.00 0.40% 0.40% APY Monthly
Share Premium Savings $25,000.01 - $50,000.00 0.50% 0.50% APY Monthly
Share Premium Savings $50,000.01 - $100,000.00 0.55% 0.55% APY Monthly
Share Premium Savings $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 1.24% 1.25% APY Monthly
12 Month $500 3.21% 3.25% APY Quarterly
24 Month $500 3.45% 3.50% APY Quarterly
36 Month $500 3.75% 3.80% APY Quarterly
48 Month $500 3.50% 3.55% APY Quarterly
60 Month $500 3.40% 3.44% APY Quarterly
7 Month Special $500 4.67% 4.75% APY Quarterly
11 Month Special $500 4.43% 4.50% APY Quarterly
19 Month Special $500 4.18% 4.25% APY Quarterly

Account Rate Disclosures

  • APY = annual percentage yield.
  • Substantial early withdrawal penalties apply for Share Certificates 
  • $25 minimum balance required to earn dividends, except RISE 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 5.24% APR $30.08
4-5 Years 5.99% APR $19.33
6 Years 6.24% APR $16.69
7 Years 6.99% APR $15.09

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 Long Term Loans
Term APR as low as Monthly Payment per $1000
6 Years 6.24% APR $16.69
7 Years 6.99% APR $15.09
10 Years 7.49% APR $11.86
15 Years 7.99% APR $9.56

Long term boat & camper loans require a minimum balance of $10,000.
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.

ATV/UTV Long Term Loans
Term APR as low as Monthly Payment per $1000
6 Years 6.24% APR $16.69
7 Years 6.99% APR $15.09
10 Years 7.49% APR $11.86

10 year ATV/UTV loans require a minimum principal balance of $10,000.
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.

Tractor Long Term Loans
Term APR as low as Monthly Payment per $1000
6 Years 6.24% APR $16.69
7 Years 6.99% APR $15.09
10 Years 7.99% APR $12.13
15 Years 8.49% APR $9.85

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
Description APR as low as Monthly Payment per $1000
Up to 36 Months 10.49% APR $32.50
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.