Share Certificates
Saving with peace of mind
Simplicity Share Certificates are a great short-term investment product that will yield more than a regular savings account. Our Share Certificates pay a certain dividend if held for a specific period or term. Share Certificate may be a good investment choice for you if:
- You don't need access to your money right now (the longer the term, the higher the rate)
- You want to calculate your expected earnings at the outset of the investment
- You want a federally insured investment product with a guaranteed rate of return
- You can meet the minimum opening balance requirement
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 Dividend paid to maturity date if withdrawn within ten days after maturity. Withdrawals from a share certificate prior to the maturity date will incur a penalty equal to 180 days• interest on the amount withdrawn. Rates and terms are subject to change at any time. Member eligibility required. Federally insured by NCUA.
*Offer valid 5/1/2026-5/31/2026.
**Offer valid 5/1/2026-5/31/2026 with the exception of our special 7-month CD promotion available 5/11/2026-5/22/2026 in celebration of our new branch opening in Stevens Point. Outside of this promotional window, the standard 7-month special rate will apply for the remaining days of the month. Eligibility for the promotional rate requires 10% new money to Simplicity Credit Union or a minimum of 10 years of membership tenure.