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
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Share Certificates

Term Minimum Deposit Dividend Rate Annual Percentage Yield Dividend Paid
6 Month $250 1.24% 1.25% APY Monthly
12 Month $250 2.72% 2.75% APY Quarterly
24 Month $250 2.97% 3.00% APY Quarterly
36 Month $250 3.75% 3.80% APY Quarterly
48 Month $250 3.50% 3.55% APY Quarterly
60 Month $250 3.40% 3.44% APY Quarterly
7 Month Special $250 3.94% 4.00% APY Quarterly
19 Month Special $250 3.70% 3.75% APY Quarterly

*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 Dividend paid to maturity date if withdrawn within ten days after maturity. Substantial penalty for early withdrawal. Rates are subject to change at any time. Member elegibility required.

Share Certificate Calculator