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 Dividend paid to maturity date if withdrawn within ten days after maturity.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from a share certificate prior to the maturity date will incur a penalty equal to 180 days’ interest on the amount withdrawn.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 02/01/26 – 02/28/26. 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from a share certificate prior to the maturity date will incur a penalty equal to 180 days’ interest on the amount withdrawn.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.

Loyalty Bump Share Certificate Disclosure

During February, eligible members may receive a loyalty rate bump of up to 0.25% APR added to the posted Share Certificate rate. Offer valid 02/01/26 – 02/28/26.

Membership Tenure & Loyalty Bump: The loyalty bump is based on membership tenure, measured from the year the member first joined Simplicity Credit Union. The applicable rate bump is determined at the time of Share Certificate opening and remains in effect for the full certificate term. Member must have an active Simplicity Credit Union checking account, defined as a checking account with at least five 5 transactions per month.

Loyalty bump by membership tenure:
5.00–9.99 years (joined 2015–2020): +0.05% APR
10.00–14.99 years (joined 2010–2014): +0.10% APR
15.00–19.99 years (joined 2005–2009): +0.15% APR
20.00–24.99 years (joined 2001–2004): +0.20% APR
25.00–29.99+ years (joined 2000 or earlier): +0.25% APR

Eligible Share Certificate Terms: Loyalty bump applies to standard Share Certificate terms of 6, 12, 24, 36, 48, and 60 months.
New members are eligible for the 7-month and 13-month Share Certificate specials but are not eligible for the loyalty bump.

Eligibility Requirements: No new money required. Loyalty bump may not be combined with other Share Certificate specials unless otherwise stated. Loyalty bump does does apply to Health Savings Share Certificates. 

Additional Disclosures: Minimum deposit $250. APR = Annual Percentage Rate. Dividends may be added to the certificate, deposited into a Simplicity Credit Union savings account, or mailed. Certificates automatically renew at the then-current rate. Ten-day grace period at maturity to make changes without loss of dividends. Withdrawals from a share certificate prior to the maturity date will incur a penalty equal to 180 days’ interest on the amount withdrawn. Rates subject to change at any time. Member eligibility required. Federally insured by NCUA.