Credit union · NCUA insured
Simplicity Credit Union CD Rates
Top CarrotSimplicity Credit Union’s best CD rate is 3.44% APY on a 5-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Simplicity Credit Union’s CD rates compare
Compared with banks and credit unions near Stevens Point, WI, where Simplicity Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Simplicity Credit Union
3.44%APY
- Term
- 60 months
- Minimum
- $250
- Earns on $10,000
- $1,842
Share Certificates
Top rate
Nicolet National Bank
4.75%APY
- Term
- 60 months
- Minimum
- $2,500
- Earns on $10,000
- $2,612
2nd-highest rate
Summit Credit Union
4.50%APY
- Term
- 16 months
- Minimum
- $500
- Earns on $10,000
- $604
Simplicity Credit Union CD score
70
CD score
Higher than 27% of U.S. banks and credit unions
- 3–8 months3–8 mo1.25%
- 9–15 months9–15 mo2.75%
- 16–30 months16–30 mo3.00%
- 31–60 months31–60 mo3.44%
- QualifiedQualified3.44%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Simplicity Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificates
Up to 4.00%APY · 8 terms
Member eligibility required. Substantial early withdrawal penalties apply (equal to 180 days' interest on the amount withdrawn). Automatic renewal at the current rate with a ten-day grace period at maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsDividend paid monthly | 1.25% | $62 |
| 7 months7 Month Special. Offer valid 10/1/2026-10/31/2026. Dividend paid quarterly | 3.75% | $217 |
| 12 monthsDividend paid quarterly | 2.75% | $275 |
| 13 months13 Month Special. Offer valid 10/1/2026-10/31/2026. Dividend paid quarterly | 4.00% | $434 |
| 24 monthsDividend paid quarterly | 3.00% | $609 |
| 36 monthsDividend paid quarterly | 3.25% | $1,007 |
| 48 monthsDividend paid quarterly | 3.35% | $1,409 |
| 60 monthsDividend paid quarterly | 3.44% | $1,842 |
Special-purpose accounts
HSA Share Certificates
3.75%APY · 1 term
Health Savings Account certificate for committing HSA funds for a fixed term.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months12-Month HSA Share Certificate. Dividend paid quarterly | 3.75% | $375 |
Sources (2)
All captured Oct 5, 2026
Who can join Simplicity Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who reside or are employed in the Wisconsin counties of Adams, Brown, Calumet, Chippewa, Clark, Eau Claire, Fond du Lac, Jackson, Marathon, Outagamie, Portage, Shawano, Taylor, Trempealeau, Waupaca, Waushara, Winnebago, and Wood are eligible for membership.
Employers and groups
- Employees of specified companies/entities, contractors of the City of Neenah or Neenah Joint School District, and stockholders or patrons of the Tomorrow Valley Co-op are eligible for membership.
Family and household
- Family members (spouse, parent, sibling, in-law, children, stepparents, stepchildren, grandparents, and grandchildren) of an existing Simplicity Credit Union member are eligible for membership.
Cost to join
- A $5.00 savings account deposit is required to open membership.
Membership information collected October 5, 2026.