Online Account Opening

The online account opening process only takes a few minutes. If you've never opened an account before on our online application system, you'll be prompted to create a username/password. Then you'll be asked to fill in several pieces of information.

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)

If you've opened an account through our online process before, then simply login and your information should auto-fill.

Choose an Account

  • Minimum balanceA - $5.00
  • Unlimited withdrawals
  • Debit card (ATM access only)
  • Online banking access
  • Mobile banking/mobile check depositC
  • Finance WorksD 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
  • Finance WorksE
  • 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
  • Finance WorksE
  • Monthly fee - $0/month with 2 qualifying services or $500 balance; otherwise $5/month
  • Rates

Vacation Club starts June 1 - pays out May 31.

Holiday Club starts Oct. 1 - pays out Sep. 30.

Graduation Club starts anytime - pays out May 1 of graduating year.

  • Minimum balanceA - $5.00
  • No withdrawals allowed during club year.
  • Online banking access
  • Mobile banking/mobile check depositC
  • Finance WorksE
  • Rates

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

KidsCount/CU Succeed 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
  • Finance WorksE
  • 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, 18, 24, 30, 36, 48, and 60 month terms
  • NOTE: Substantial penalty for early withdrawal for fixed rate share certificates. 
  • Rates
  • Minimum balance- $1000.00
  • Monthly fee - $5.00/each month balance falls below $1,000
  • Limit 6 withdrawals/monthB. Service charge for each withdrawal/transfer over 6/month.
  • Online banking access
  • Mobile banking/mobile check depositC
  • Finance WorksE
  • Rates

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, 18, 24, 30, 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/CU Succeed 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 FinanceWorks.
  • 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.