Rates

APY = Annual Percentage Yield. Dividends may be added to your certificate, deposited to your Simplicity Credit Union savings account, or mailed to you. Automatic renewal at the current rate. Ten-day grace period at maturity to make changes without loss of dividend. Dividend paid to maturity date if withdrawn within ten days after maturity. Substantial penalty for early withdrawal. Rates are subject to change at any time. Member eligibility required. Federally insured by NCUA.

*APY = Annual Percentage Yield. Offer valid 03/01/26 – 03/31/26. Withdrawals from a share certificate prior to the maturity date will incur a penalty equal to 180 days’ interest on the amount withdrawn. Rates are subject to change at any time. Member eligibility required. Federally insured by NCUA.

• 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 $1,000.
• 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.

Rewards Checking: To qualify for 3.00% APY, you must be enrolled in eStatements, have direct or mobile deposit of $500 or more, and complete at least 20 debit/Point of Sale transactions per month
OR have $250,00 or more in aggregate share balances (including savings, checking, and other eligible accounts)
OR be aged 16-21, no additional stipulations.
• The 3.00% APY applies to balances up to $15,000, and 0.05% applies only to the amount over $15,000. (Example: If your balance is $16,000, you’ll earn 3.00% on the first $15,000 and 0.05% on the remaining $1,000.)

Secured Loans

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. Additional discounts do not apply to current rate specials.

*APR = Annual Percentage Rate. 3.99% APR is available for 48–72 month terms on new and used auto loans secured by an automobile. Monthly payment example: $15.64 per $1,000 borrowed at 3.99% APR for 72 months. Rate may vary based on vehicle year and mileage. Additional discounts do not apply to current rate specials. Subject to credit approval. Offer subject to change without notice.Promotion valid until March 31, 2026. Membership eligibility required. Insured by NCUA.

Boat/Camper Long Term Loans

Long term boat & camper loans require a minimum balance of $10,000 for 10 years & minimum balance of $20,000 for 15 years.
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. Additional discounts do not apply to current rate specials.

ATV/UTV Long Term Loans

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. Additional discounts do not apply to current rate specials.

Tractor Long Term Loans

Maximum age for tractor is 10 years old.
Long term tractor loans require a minimum balance of $10,000 for 10 years & minimum balance of $20,000 for 15 years.
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. Additional discounts do not apply to current rate specials.

Signature Loans & Consolidation Loan

Minimum monthly payment for a FlexLine is $15.00 or 3% of the unpaid balance, whichever is greater. 
Consolidation Loans are not based on score or term.
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. Additional discounts do not apply to current rate specials.

Credit Cards

See full credit card disclosures.