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
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 | 3.21% | 3.25% APY | Quarterly |
| 48 Month | $250 | 3.31% | 3.35% APY | Quarterly |
| 60 Month | $250 | 3.40% | 3.44% APY | Quarterly |
| 7 Month Special* | $250 | 3.70% | 3.75% APY | Quarterly |
| 13 Month Special* | $250 | 3.94% | 4.00% APY | Quarterly |
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 Dividend paid to maturity date if withdrawn within ten days after maturity.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from a share certificate prior to the maturity date will incur a penalty equal to 180 days interest on the amount withdrawn.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 10/1/2026-10/31/2026.
920 Social Club Giveaway Disclosure (Neenah Members)
Promotion valid October 1, 2026 through October 31, 2026.
Individuals age 21 or older who are eligible for membership with Simplicity Credit Union may participate in the 920 Social Club Giveaway. No purchase, account opening, or payment is necessary to enter or win.
Eligible individuals may receive one (1) entry by visiting the Neenah Branch during the promotional period and submitting a completed giveaway entry form per day they visit the branch.
Members age 21 or older who open a new promotional Share Certificate with qualifying new money at the Neenah Branch during the promotional period will receive one (1) additional entry. New money is defined as funds not currently on deposit with Simplicity Credit Union. Funds transferred or rolled over from an existing Simplicity Credit Union account or share certificate do not qualify as new money. Rate-match certificates do not qualify.
One (1) winner will be selected by random drawing on or about November 4, 2026, from all eligible entries received during the promotion period. The winner will receive two (2) tickets to the 920 Social Club event and a Downtown Neenah Bundle, which includes 2 gift cards from locally-owned Neenah businesses and Simplicity CU branded merchandise.
Approximate retail value: $100.00
Odds of winning depend on the number of eligible entries received. Prize is non-transferable, has no cash value, and may not be substituted except at the discretion of Simplicity Credit Union.
Simplicity Credit Union employees, directors, volunteers, and their immediate family members and household members are not eligible to win.
Simplicity Credit Union reserves the right to modify, suspend, or terminate this promotion at any time, subject to applicable laws and regulations.
Federally insured by NCUA. Membership eligibility required.