Credit union · NCUA insured
Simplicity Credit Union Credit Card Rates
Top CarrotSimplicity Credit Union credit cards start at 12.75% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Simplicity Credit Union’s credit card rates compare
Compared with banks and credit unions near Stevens Point, WI, where Simplicity Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Simplicity Credit Union
12.75%APR
- Up to
- —
SimpliRewards Plus
Lowest rate
CoVantage Credit Union
9.74%APR
- Up to
- —
2nd-lowest rate
Nicolet National Bank
11.90%APR
- Up to
- 23.90% APR
Simplicity Credit Union credit card score
69
Credit card score
Higher than 23% of U.S. banks and credit unions
- Purchase APRPurchase APR12.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Simplicity Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
SimpliRewards
Information accurate as of July 12, 2021. No annual fee. 25-day grace period on purchases. No balance transfer fee. Fixed rate.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 17.75% | None | Fixed rate APR for purchases. |
| Ongoing | 17.90% | None | Fixed rate APR for balance transfers. No balance transfer fee. |
SimpliRewards Plus
Information accurate as of July 12, 2021. No annual fee. 25-day grace period on purchases. No balance transfer fee. Fixed rate.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.75% | None | Fixed rate APR for purchases. |
| Ongoing | 12.90% | None | Fixed rate APR for balance transfers. No balance transfer fee. |
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This may be incomplete or out of date, so check with the credit union before you apply.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.