Simplicity rates: up to 7.19% APY
credit union · NCUA CHARTER 66678 · www.simplicity.coop/
Savings
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Health Savings Account | 0.50% | APY | 2026-11-01 | since 2026-11-01 | ||
| IRA Savings Account | 0.25% | APY | 2026-11-01 | since 2026-11-01 | ||
| RISE Savings | 2.00% | APY | 2026-11-01 | since 2026-11-01 | ||
| Regular Savings | Youth and Young Adult Savings $25.00 - $2,500.00 | 7.19% | APY | 2026-11-01 | since 2026-11-01 | |
| Regular Savings | Youth and Young Adult Savings $2,500.01 - and over | 0.10% | APY | 2026-11-01 | since 2026-11-01 | |
| Savings Account | 0.10% | APY | 2026-11-01 | since 2026-11-01 | ||
| Share Premium Savings | 0.15% | APY | 2026-11-01 | since 2026-11-01 | ||
| Share Premium Savings | Share Premium Savings $100,000.01 and over (no longer offered) | 0.65% | APY | 2026-11-01 | since 2026-11-01 |
CDs
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| 6-Month CD | 6 Month | 1.25% | APY | 2026-11-01 | since 2026-11-01 | |
| 7-Month CD | 7 Month Special | 3.75% | APY | 2026-11-01 | since 2026-11-01 | |
| 12-Month HSA Share Certificate | 1 year | 3.75% | APY | 2026-11-01 | since 2026-11-01 | |
| 1-Year CD | 12 Month | 2.75% | APY | 2026-11-01 | since 2026-11-01 | |
| 13-Month CD | 13 Month Special | 4.00% | APY | 2026-11-01 | since 2026-11-01 | |
| 2-Year CD | 24 Month | 3.00% | APY | 2026-11-01 | since 2026-11-01 | |
| 3-Year CD | 36 Month | 3.25% | APY | 2026-11-01 | since 2026-11-01 | |
| 4-Year CD | 48 Month | 3.35% | APY | 2026-11-01 | since 2026-11-01 | |
| 5-Year CD | 60 Month | 3.44% | APY | 2026-11-01 | since 2026-11-01 |
Money market
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Money Market Account | 0.55% | APY | 2026-11-01 | since 2026-11-01 | ||
| Money Market Checking | Money Market $500,000.01 and over | 3.50% | APY | 2026-11-01 | since 2026-11-01 |
Checking
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Dividend Checking | 0.05% | APY | 2026-11-01 | since 2026-11-01 | ||
| Rewards Checking Balance | 3.04% | APY | 2026-11-01 | since 2026-11-01 | ||
| Sharedraft Checking | Rewards Checking Balance of $15,000.01 - and over | 0.05% | APY | 2026-11-01 | since 2026-11-01 |
Sources and evidence
| Page | Last captured | Last result | Digest |
|---|---|---|---|
| www.simplicity.coop/share-certificates | 2026-11-02 03:22 UTC | ok | 7e5f6ef09051 |
| www.simplicity.coop/rates | 2026-11-02 03:22 UTC | ok | 6d61b2b60c2f |