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 depositC
  • Money DesktopD E
  • Link as overdraft option
  • Monthly fee - $0/month with 2 qualifying services or $500 balance; otherwise $5/month
  • Rates
  • Minimum balanceA - $5.00
  • Unlimited in-person withdrawals
  • Limit 6 withdrawals/month via - preauthorized/automatic transfer, overdraft transfer, online banking transfer, or telephone transferB.
  • Online banking access
  • Mobile banking/mobile check depositC
  • Money DesktopE
  • 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 quarter - Jan. 1-10, April 1-10, July 1-10, Oct. 1-10.
  • Online banking access
  • Mobile banking/mobile check depositC
  • Money DesktopE
  • 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 quarter - Jan. 1-10, April 1-10, July 1-10, Oct. 1-10.
  • Online banking access
  • Mobile banking/mobile check depositC
  • Money DesktopE
  • 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.
  • B If maximum number of transactions is exceeded, account may be closed by the credit union.
  • C Mobile Banking and Mobile Deposit terms and conditions apply.
  • D Share Premium accounts are tiered rate accounts with the dividend rate determined by what the balance is at each day. Once a balance range is met, the dividend rate for that range will apply to your entire balance for that day.
  • E Enrollment in online banking is required for use of Money Desktop.
  • F Early 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.