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
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 Dividend paid to maturity date if withdrawn within ten days after maturity.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from a share certificate prior to the maturity date will incur a penalty equal to 180 days’ interest on the amount withdrawn.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 are subject to change at any time. Member elegibility required.
*APY = Annual Percentage Yield. Offer valid 03/01/26 – 03/31/26. Withdrawals from a share certificate prior to the maturity date will incur a penalty equal to 180 days’ interest on the amount withdrawn. Rates are subject to change at any time. Member eligibility required. Federally insured by NCUA.