Simplicity Credit Union Savings & Money Market Rates

How Simplicity Credit Union’s savings 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
2.00%APY
Requires
None
Minimum
$5
Earns on $10,000 a year
$200
RISE Savings
Top rate
CoVantage Credit Union
3.25%APY
Requires
Monthly account activity
Minimum
$10
Earns on $10,000 a year
$325
CoVantage Credit Union rates
2nd-highest rate
Associated Bank
3.20%APY
Requires
Another account
Minimum
$1,000
Earns on $10,000 a year
$320
Associated Bank rates

Compare savings rates near you →

89

Savings score

Higher than 89% of U.S. banks and credit unions

By balance

$1,000 balance$1,0002.00%
$10,000 balance$10,0002.00%
$100,000 balance$100,0002.00%
QualifiedQualified2.00%

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.

How the score works →

Where Simplicity Credit Union ranks

By savings score, in each area where it has branches

Every rate

Current savings rates

Rates from the credit union’s website. Earnings assume the rate doesn’t change.

Money Market Checking

0.55%APY

$25 minimum balance required to earn dividends. Dividends paid monthly. $5.00 monthly fee applies if balance falls under $1,000. No dividend is paid if account is closed prior to dividend pay date.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $10,000$5.00 monthly fee if balance is under $1,000. Dividends paid monthly.	0.55%	$55	$5.00 monthly fee if balance is under $1,000. Dividends paid monthly.
$10,000 – $25,000$5.00 monthly fee if balance is under $1,000. Dividends paid monthly.	0.65%	—	$5.00 monthly fee if balance is under $1,000. Dividends paid monthly.
$25,000 – $50,000$5.00 monthly fee if balance is under $1,000. Dividends paid monthly.	1.26%	—	$5.00 monthly fee if balance is under $1,000. Dividends paid monthly.
$50,000 – $100,000$5.00 monthly fee if balance is under $1,000. Dividends paid monthly.	1.61%	—	$5.00 monthly fee if balance is under $1,000. Dividends paid monthly.
$100,000 – $250,000$5.00 monthly fee if balance is under $1,000. Dividends paid monthly.	2.25%	—	$5.00 monthly fee if balance is under $1,000. Dividends paid monthly.
$250,000 – $500,000$5.00 monthly fee if balance is under $1,000. Dividends paid monthly.	3.25%	—	$5.00 monthly fee if balance is under $1,000. Dividends paid monthly.
Over $500,000$5.00 monthly fee if balance is under $1,000. Dividends paid monthly.	3.50%	—	$5.00 monthly fee if balance is under $1,000. Dividends paid monthly.

Sources (2)

All captured Sep 18, 2026

RISE Savings

2.00%APY$5 to open

Formerly Seasonal Savings. Minimum balance of $5.00 required. Penalty-free withdrawals permitted only during the first 10 days of each quarter (Jan. 1-10, April 1-10, July 1-10, Oct. 1-10); early withdrawal fee of $5.00 per withdrawal otherwise applies. $5 minimum balance required to earn dividends.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$5 and upDividends compounded and paid quarterly. $5 minimum balance required to earn dividends. Penalty-free withdrawals during the first 10 days of each quarter (Jan 1-10, Apr 1-10, Jul 1-10, Oct 1-10). Early withdrawal fee of $5.00 per withdrawal applies outside window.$5 and up	2.00%	$200	Dividends compounded and paid quarterly. $5 minimum balance required to earn dividends. Penalty-free withdrawals during the first 10 days of each quarter (Jan 1-10, Apr 1-10, Jul 1-10, Oct 1-10). Early withdrawal fee of $5.00 per withdrawal applies outside window.

Sources (4)

All captured Sep 18, 2026

Savings

0.10%APY$5 to open

Membership eligibility required; $5.00 savings account deposit / par value required for membership. $25 minimum balance required to earn dividends. Inactive fee of $5.00/month applies after 12 months for members age 19+ with $100 or less.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$25 and upDividends compounded and paid quarterly. $25 minimum balance required to earn dividends.$25 and up	0.10%	$10	Dividends compounded and paid quarterly. $25 minimum balance required to earn dividends.

Sources (4)

All captured Sep 18, 2026

Special-purpose accounts

Youth Savings

0.10%APYKids and teensPromotional$5 to open

Available to members ages 0-21. If under 18, a parent or guardian must be a joint or secondary account holder. When member turns 22, the account transitions to the regular member savings rate. $25 minimum balance required to earn dividends.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $2,500For members ages 0-21. $25 minimum balance required to earn dividends. Dividends paid quarterly. Rate transitions to regular savings rate after 22nd birthday.	7.19%	—	For members ages 0-21. $25 minimum balance required to earn dividends. Dividends paid quarterly. Rate transitions to regular savings rate after 22nd birthday.
Over $2,500For balances over $2,500. Dividends paid quarterly. Rate transitions to regular savings rate after 22nd birthday.	0.10%	$10	For balances over $2,500. Dividends paid quarterly. Rate transitions to regular savings rate after 22nd birthday.

Sources (3)

All captured Sep 18, 2026

12-Month HSA Share Certificate

3.75%APY · 1 termHSAFrom $250 to open

HSA Share Certificate. Dividends compounded and paid quarterly. Substantial penalty for early withdrawal.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
12 monthsHSA Share Certificate. Term 12 months. Minimum deposit $250. Dividends compounded and paid quarterly. Substantial penalty for early withdrawal	3.75%	$375

Sources (1)

simplicity.coop/spend-save/health-savings-account · captured Sep 18, 2026

Health Savings Account (HSA)

0.50%APYHSA

Dividends compounded and paid quarterly. No monthly maintenance fees.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceHealth Savings Account (HSA). Dividends compounded and paid quarterly. No monthly maintenance fees.Any balance	0.50%	$50	Health Savings Account (HSA). Dividends compounded and paid quarterly. No monthly maintenance fees.

Sources (1)

simplicity.coop/spend-save/health-savings-account · captured Sep 18, 2026

IRA Savings

0.25%APYIRA$5 to open

Individual Retirement Account savings options include Traditional IRA, Roth IRA, and Coverdell Education Savings Account. Minimum deposit of $5 to open; $25 minimum balance required to earn dividends. No administration fee. Outbound direct transfer/rollover fee of $25.00 per transfer.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$25 and upDividends compounded and paid quarterly. Dividend rates may change quarterly. $25 minimum balance required to earn dividends.$25 and up	0.25%	$25	Dividends compounded and paid quarterly. Dividend rates may change quarterly. $25 minimum balance required to earn dividends.

Sources (3)

All captured Sep 18, 2026

Closed to new customers

Share Premium Savings

0.30%APY

No longer offered. Monthly fee of $5.00 applies for balances under $1,000. $25 minimum balance required to earn dividends.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $1,000Dividends paid monthly. $25 minimum balance required to earn dividends. $5.00/month fee applies if balance is under $1,000. No longer offered.	0.15%	—	Dividends paid monthly. $25 minimum balance required to earn dividends. $5.00/month fee applies if balance is under $1,000. No longer offered.
$1,000 – $10,000Dividends paid monthly. No longer offered.	0.30%	$30	Dividends paid monthly. No longer offered.
$10,000 – $25,000Dividends paid monthly. No longer offered.	0.40%	—	Dividends paid monthly. No longer offered.
$25,000 – $50,000Dividends paid monthly. No longer offered.	0.50%	—	Dividends paid monthly. No longer offered.
$50,000 – $100,000Dividends paid monthly. No longer offered.	0.55%	—	Dividends paid monthly. No longer offered.
Over $100,000Dividends paid monthly. No longer offered.	0.65%	—	Dividends paid monthly. No longer offered.

Sources (2)

All captured Sep 18, 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.

Check membership requirements ↗Branches and institution details

How Simplicity Credit Union’s savings rates compare

Simplicity Credit Union savings score

Current savings rates

Money Market Checking

RISE Savings

Savings

Special-purpose accounts

Youth Savings

12-Month HSA Share Certificate

Health Savings Account (HSA)

IRA Savings

Closed to new customers

Share Premium Savings

Who can join Simplicity Credit Union

Where you live or work

Employers and groups

Family and household

Cost to join