What are the current interest rates at Simplicity Credit Union?

Current rates for Simplicity Credit Union include: 12-Month CD: 2.75%, 24-Month CD: 3.00%, 60-Month CD: 3.44%, Savings: 7.19%, MMA: 3.50%

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Simplicity Credit Union Rates & Review October 2026

Q: How many branches does Simplicity Credit Union operate?

Simplicity Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join Simplicity Credit Union?

Yes, to access services at Simplicity Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Simplicity Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 9, 2026

Simplicity Credit Union's top rates as of October 9, 2026 are 4.00% APY on its 13 Month Special Business CD, 7.19% APY on savings, 3.50% APY on money market accounts, 3.04% APY on checking, and personal loans from 9.74% APR, according to rates verified by MonitorBankRates. Other Simplicity Credit Union CD rates include CD - 13 Month Special at 4.00%, 12 Month HSA CD at 3.75%, and 7 Month Special Business CD at 3.75%. MonitorBankRates evaluates the financial stability of Simplicity Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 9.92%. Rates last updated and verified on 10/09/2026.

Simplicity Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Simplicity Credit Union? Share your experience about Simplicity Credit Union by leaving a review below, or read customer reviews before you decide to use Simplicity Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

9.92%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Simplicity Credit Union
Marshfield

222 E Upham St
Marshfield, WI 54449-1543

https://www.simplicity.coop/

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Simplicity Credit Union CD Rates

Product	Rate	APY	Term
Share Certificate - 13 Month Special	3.94%	4.00%	13 Month
Min Deposit $250 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.92%
12 Month HSA Share Certificate	3.70%	3.75%	12-Month
Min Deposit $250 Details Dividend Paid: Quarterly Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.92%
Share Certificate - 7 Month Special	3.70%	3.75%	7 Month
Min Deposit $250 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.92%
Share Certificate - 60 Month	3.40%	3.44%	60 Month
Min Deposit $250 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.44% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.92%
Share Certificate - 48 Month	3.31%	3.35%	48 Month
Min Deposit $250 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.92%
Share Certificate - 36 Month	3.21%	3.25%	36 Month
Min Deposit $250 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.92%
Share Certificate - 24 Month	2.97%	3.00%	24 Month
Min Deposit $250 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.92%
Share Certificate - 12 Month	2.72%	2.75%	12 Month
Min Deposit $250 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.92%
Share Certificate - 6 Month	1.24%	1.25%	6 Month
Min Deposit $250 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.92%

Simplicity Credit Union Business CD Rates

Product	Rate	APY	Term
13 Month Special Business Share Certificate	3.94%	4.00%	13 Month
Min Deposit $250 Details Dividend Paid: Quarterly Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.92%
7 Month Special Business Share Certificate	3.70%	3.75%	7 Month
Min Deposit $250 Details Dividend Paid: Quarterly Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.92%
60 Month Business Share Certificate	3.40%	3.44%	60 Month
Min Deposit $250 Details Dividend Paid: Quarterly Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.44% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.92%
48 Month Business Share Certificate	3.31%	3.35%	48 Month
Min Deposit $250 Details Dividend Paid: Quarterly Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.92%
36 Month Business Share Certificate	3.21%	3.25%	36 Month
Min Deposit $250 Details Dividend Paid: Quarterly Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.92%
24 Month Business Share Certificate	2.97%	3.00%	24 Month
Min Deposit $250 Details Dividend Paid: Quarterly Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.92%
12 Month Business Share Certificate	2.72%	2.75%	12 Month
Min Deposit $250 Details Dividend Paid: Quarterly Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.92%
6 Month Business Share Certificate	1.24%	1.25%	6 Month
Min Deposit $250 Details Dividend Paid: Monthly Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.92%

Simplicity Credit Union Savings Rates

Product	Rate	APY
Youth and Young Adult Savings	7.00%	7.19%
Min Balance $25 Details Balance: $25.00 - $2,500.00 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.19% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.92%
RISE Savings	1.96%	2.00%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.92%
Health Savings Account	0.50%	0.50%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.92%
IRA Savings	0.25%	0.25%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.92%
Savings	0.10%	0.10%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.92%
Youth and Young Adult Savings	0.10%	0.10%
Min Balance $2,500 Details Balance: $2,500.01 - and over Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.92%

Simplicity Credit Union Business Savings Rates

Product	Rate	APY
Business Share Premium Savings	0.65%	0.65%
Min Balance $100,000 Details Balance: $100,000.01 and over Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.65% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.92%
Business Share Premium Savings	0.55%	0.55%
Min Balance $50,000 Details Balance: $50,000.01 - $100,000.00 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.55% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.92%
Business Share Premium Savings	0.50%	0.50%
Min Balance $25,000 Details Balance: $25,000.01 - $50,000.00 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.92%
Business Share Premium Savings	0.40%	0.40%
Min Balance $10,000 Details Balance: $10,000.01 - $25,000.00 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.92%
Business Share Premium Savings	0.30%	0.30%
Min Balance $1,000 Details Balance: $1,000.01 - $10,000.00 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.92%
Business Share Premium Savings	0.15%	0.15%
Min Balance $25 Details Balance: $25.00 - $1,000.00 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.92%
Business Savings	0.10%	0.10%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.92%

Simplicity Credit Union Business Money Market Rates

Product	Rate	APY
Business Money Market	3.45%	3.50%
Min Balance $500,000 Details Balance: $500,000.01 and over Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.92%
Business Money Market	3.20%	3.25%
Min Balance $250,000 Details Balance: $250,000.01 - $500,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.92%
Business Money Market	2.23%	2.25%
Min Balance $100,000 Details Balance: $100,000.01 - $250,000.00 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.92%
Business Money Market	1.60%	1.61%
Min Balance $50,000 Details Balance: $50,000.01 - $100,000.00 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.61% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.92%
Business Money Market	1.25%	1.26%
Min Balance $25,000 Details Balance: $25,000.01 - $50,000.00 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.26% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.92%
Business Money Market	0.65%	0.65%
Min Balance $10,000 Details Balance: $10,000.01 - $25,000.00 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.65% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.92%
Business Money Market	0.55%	0.55%
Min Balance $25 Details Balance: $25.00 - $10,000.00 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.55% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.92%

Simplicity Credit Union Checking Rates

Product	Rate	APY
Money Market Checking	3.45%	3.50%
Min Balance $500,000 Details Balance: $500,000.01 and over; Dividend Paid: Monthly Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.92%
Money Market Checking	3.20%	3.25%
Min Balance $250,000 Details Balance: $250,000.01 - $500,000; Dividend Paid: Monthly Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.92%
Rewards Checking Balance	3.00%	3.04%
Details $0.00 - $15,000.00; Balance: $0.00 - $15,000.00 Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 3.04% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.92%
Money Market Checking	2.23%	2.25%
Min Balance $100,000 Details Balance: $100,000.01 - $250,000.00; Dividend Paid: Monthly Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.92%
Money Market Checking	1.60%	1.61%
Min Balance $50,000 Details Balance: $50,000.01 - $100,000.00; Dividend Paid: Monthly Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 1.61% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.92%
Money Market Checking	1.25%	1.26%
Min Balance $25,000 Details Balance: $25,000.01 - $50,000.00; Dividend Paid: Monthly Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 1.26% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.92%
Money Market Checking	0.65%	0.65%
Min Balance $10,000 Details Balance: $10,000.01 - $25,000.00; Dividend Paid: Monthly Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.65% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.92%
Money Market Checking	0.55%	0.55%
Min Balance $25 Details Balance: $25.00 - $10,000.00; Dividend Paid: Monthly Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 0.55% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.92%
Rewards Checking Balance	0.05%	0.05%
Details $15,000.01; Balance: $15,000.01 - and over Last Updated 10/09/2026 Rate History 1 change since Sep 22, 2026 · 3.04% → 0.05% ▼ 2.99 pts · high 3.04% / low 0.05% Oct 1, 20260.05%▼ from 3.04% Sep 22, 20263.04%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.92%

Simplicity Credit Union Business Checking Rates

Product	Rate	APY
Business Checking	0.40%	0.40%
Min Balance $100,000 Details Balance: $100,000.01 - and over Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.92%
Business Checking	0.35%	0.35%
Min Balance $50,000 Details Balance: $50,000.01 - $100,000.00 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.92%
Business Checking	0.25%	0.25%
Min Balance $25,000 Details Balance: $25,000.01 - $50,000.00 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.92%
Business Checking	0.05%	0.05%
Min Balance $1,000 Details Balance: $1000.00 - $25,000.00 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.92%

Simplicity Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan	-	-	3.74%	1-3 Years
Details APR Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.92%
New Auto Loan Special	-	-	3.99%	4-6 Years
Details APR* Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.92%
New Auto Loans	-	-	3.99%	84 months
Details Loan terms of 84 months have a minimum beginning balance of $20,000 or more. Additional rate discounts are available for a Simplicity Checking Account with Direct Deposit, Active Duty or Retired Military Members, Borrowers financing 75% Loan-to-Value, or refinancing a loan from another lender. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.99% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.92%
Auto Loan	-	-	4.49%	4-5 Years
Details APR Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.92%
Auto Loan	-	-	4.74%	6 Years
Details APR Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.74% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.92%
Auto Loan	-	-	5.49%	7 Years
Details APR Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.49% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.92%

Simplicity Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Boat/Camper Long Term Loan	-	4.74%	6 Years
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.92%
Boat/Camper Long Term Loan	-	5.49%	7 Years
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.92%
Boat/Camper Long Term Loan	-	5.99%	10 Years
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.92%
Boat/Camper Long Term Loan	-	6.49%	15 Years
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.92%

Simplicity Credit Union Personal Loan Rates

Product	APR	Term
Personal - Up to 36 Months Loan	9.74%	Up to 36 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.92%
Signature Loans & Consolidation Loan - Up to 36 Months	9.74%	Up to 36 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.92%
Consolidation Loan	13.99%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 13.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.92%
Signature Loans & Consolidation Loan - Consolidation Loan	13.99%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 13.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.92%
Signature Loans & Consolidation Loan - FlexLine	15.00%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 15.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.92%

Simplicity Credit Union Other Rates

Product	Rate	Points	APY/APR
FlexLine Loan	-	-	15.00%
Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 15.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.92%
SimpliRewards Loan	-	-	17.90%
Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 17.90% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.92%
SimpliRewards Plus Business Loan	-	-	17.75%
Details Additional APR listed for this product: 17.90%. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 17.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.92%
SimpliRewards Plus Loan	-	-	12.90%
Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 12.90% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.92%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Simplicity Credit Union’s Texas Ratio rose from 3.52% in Q3 2023 to 9.92% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$547M	9.92%	5.0	A
March 31, 2026	$533M	6.40%	5.0	A
December 31, 2025	$532M	8.46%	5.0	A
September 30, 2025	$522M	10.49%	5.0	A
June 30, 2025	$519M	9.59%	5.0	A
March 31, 2025	$508M	6.45%	5.0	A
December 31, 2024	$500M	8.79%	5.0	A
September 30, 2024	$491M	6.96%	5.0	A
June 30, 2024	$483M	4.45%	5.0	A+
March 31, 2024	$474M	3.70%	5.0	A+
December 31, 2023	$461M	4.21%	5.0	A+
September 30, 2023	$447M	3.52%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Simplicity Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Simplicity Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Simplicity Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Simplicity Credit Union

Website https://www.simplicity.coop/

Address 222 E Upham St, Marshfield, WI 54449-1543

Phone 715-387-3702

Fax 715-387-3746

President Mark Page

CEO Nicholas Faber

Full-Time Employees 111

Part-Time Employees 9

Branch Locations 8

ATM Locations 5

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (95/100)

Texas Ratio

9.92%

Return on Assets (ROA)

0.3580%

Return on Equity (ROE)

3.6468%

Non-Performing Loans Ratio (NPL)

1.22%

Total Assets

546,716,262

Total Amount of Shares and Deposits

487,547,787

Total Shares and Deposits < 1 Year

473,593,307

Total Shares and Deposits 1 3 Years

11,154,954

Total Shares and Deposits > 3 Years

2,799,527

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

20,593,968

Total Uninsured Shares and Deposits > $250K (F+J)

20,593,968

Total Insured Shares and Deposits > $250K (item 17 less item K)

466,953,819

Total Interest Expense (Sum of items 6 8)

4,967,894

Share Certificates

4,097

Number of Accounts for Share Drafts

20,429

IRA KEOGH Accounts

1,572

Number of Accounts for Regular Shares

36,723

All other shares

1,094

Money Market Shares

1,391

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

7,319,860

Total Liabilities

493,631,949

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Simplicity Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About Simplicity Credit Union

How many branches does Simplicity Credit Union operate?

Simplicity Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Simplicity Credit Union?

Yes, to access services at Simplicity Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Simplicity Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Simplicity Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Simplicity Credit Union offer online and mobile banking?

Most modern institutions like Simplicity Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.simplicity.coop/.

Current Simplicity Credit Union Rates

12-Month CD2.75%
24-Month CD3.00%
60-Month CD3.44%
Savings7.19%
MMA3.50%

Retrieved from our database of financial products. Rates subject to change.

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Simplicity Credit Union Rates & Review October 2026

Brian McKay

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Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Simplicity Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Simplicity Credit Union

How many branches does Simplicity Credit Union operate?

Is a member application needed to join Simplicity Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Simplicity Credit Union offer online and mobile banking?

Current Simplicity Credit Union Rates

Compare to Other Credit Unions