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.