Online Account Opening

The online account opening process only takes a few minutes. Gather the following items beforehand for each person on the account in order to help the application go as quickly as possible:

  • Social Security Number
  • Government-issued Identification
  • Account number (if ACH transferring funds from another account)
  • Member number (if current member)

Choose an Account

  • Minimum balanceA - $5.00
  • Unlimited withdrawals
  • Debit card (ATM access only)
  • Online banking access
  • Mobile banking/mobile check depositB
  • Money DesktopC
  • Link as overdraft option
  • Monthly fee - $0/month with 2 qualifying services or $500 balance; otherwise $5/month
  • Rates
  • Minimum balanceA - $5.00
  • Unlimited withdrawals
  • Online banking access
  • Mobile banking/mobile check depositB
  • Money DesktopC
  • Link as overdraft option
  • Monthly fee - $0/month with 2 qualifying services or $500 balance; otherwise $5/month
  • Rates
  • Minimum balanceA - $5.00
  • Withdraw without penalty the first 10 days of each quarterD - Jan. 1-10, April 1-10, July 1-10, Oct. 1-10
  • Online banking access
  • Mobile banking/mobile check depositB
  • Money DesktopC
  • Monthly fee - $0/month with 2 qualifying services or $500 balance; otherwise $5/month
  • Rates

If under 18, a parent or guardian may need to be a joint or secondary account holder.

KidsCount Savings Accounts

  • Minimum balanceA - $5.00
  • Withdraw without penalty the first 10 days of each quarterD - Jan. 1-10, April 1-10, July 1-10, Oct. 1-10
  • Online banking access
  • Mobile banking/mobile check depositB
  • Money DesktopC
  • Rates

 

Fixed Rate Youth Certificates

  • Minimum deposit of $250
  • No administration fee
  • Automatic renewal for same term at current rate
  • Dividends compounded monthly for six month terms
  • Dividends compounded quarterly for 12, 24, 36, 48, and 60 month terms
  • NOTE: Substantial penalty for early withdrawal for fixed rate share certificates. 
  • Rates

It’s an account that takes the fun of being a kid and getting a sucker every time you visit the Credit Union and multiplies it by, like, 5000.
Rates

Tell Me More

Simplicity Credit Union offers these types of Individual Retirement Accounts.

Traditional IRA

  • Tax deductible contributions. Available to anyone under age 70 1/2 with earned income compensation.

Roth IRA

  • No age limit, but you must have earned income to contribute. Contributions are nondeductible, and may be withdrawn tax-free.

Coverdell Education Savings Account

  • Contributions limited to $2000 per year per child. Offers the potential for tax-free withdrawals, including earnings.

IRA Account Savings

  • Minimum deposit of $5, add to your account at any time.
  • No administration fee
  • Dividend rates may change quarterly
  • Dividends compounded and paid quarterly
  • No maturity period

Fixed Rate Share Certificates

  • Minimum deposit of $250
  • No administration fee
  • Automatic renewal for same term at current rate
  • Dividends compounded monthly for six month terms
  • Dividends compounded quarterly for 12, 24, 36, 48, and 60 month terms
  • NOTE: Substantial penalty for early withdrawal for fixed rate share certificates. 
  • Rates
  • A$25 minimum balance required to earn dividends, except KidsCount Savings which requires $5 minimum balance to earn dividends.
  • BMobile Banking and Mobile Deposit terms and conditions apply.
  • CEnrollment in online banking is required for use of Money Desktop.
  • DEarly withdrawal penalties apply.
  • 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.
  • Complete disclosures will be provided at your request or when you open your account. See terms and conditions for full account details. All information herein provided is subject to change.

Savings Calculators