Savings Accounts

• Minimum balance^A - $5.00
• Unlimited withdrawals
• Debit card (ATM access only)
• Online banking access
• Mobile banking/mobile check deposit^B
• SavvyMoney Credit Score^C
• Link as overdraft option
• Monthly fee - $0/month with 2 qualifying services or $500 balance; otherwise $5/month
• Rates

• Minimum balance^A - $5.00
• Unlimited withdrawals
• Online banking access
• Mobile banking/mobile check deposit^B
• SavvyMoney Credit Score^C
• Link as overdraft option
• Monthly fee - $0/month with 2 qualifying services or $500 balance; otherwise $5/month
• Rates

• Minimum balance^A - $5.00
• Withdraw without penalty the first 10 days of each quarter^D - Jan. 1-10, April 1-10, July 1-10, Oct. 1-10
• Online banking access
• Mobile banking/mobile check deposit^B
• SavvyMoney Credit Score^C
• 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 balance^A - $5.00
• Withdraw without penalty the first 10 days of each quarter^D - Jan. 1-10, April 1-10, July 1-10, Oct. 1-10
• Online banking access
• Mobile banking/mobile check deposit^B
• SavvyMoney Credit Score^C
• 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

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 Contributions are nondeductible, and may be withdrawn tax-free.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 SavvyMoney Credit Score.
• ^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.