--- title: "Simplicity Credit Union Rates - Wisconsin" description: "Current vehicle loan, personal loan, credit card, savings & cd, and equipment loan rates from Simplicity Credit Union in Wisconsin. Updated daily with source verification. See who can join Simplicity Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/wisconsin/simplicity" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Simplicity Credit Union Rates - Wisconsin ### Auto & vehicle rates 8 offers | Product | Published | Rate | Term / condition | Status | | **Secured Loans (4-6 Years New Auto Loan Special*)** auto_new_72mo | — APR | 3.990% | 72 mo · new | Standard | | **ATV/UTV Long Term Loans (6 Years)** powersports_any_72mo | — APR | 4.740% | 72 mo | Standard | | **Boat/Camper Long Term Loans (6 Years)** boat_any_72mo | — APR | 4.740% | 72 mo | Standard | | **Boat/Camper Long Term Loans (7 Years)** boat_any_84mo | — APR | 5.490% | 84 mo | Standard | | **ATV/UTV Long Term Loans (7 Years)** powersports_any_84mo | — APR | 5.490% | 84 mo | Standard | | **Boat/Camper Long Term Loans (10 Years)** boat_any_120mo | — APR | 5.990% | 120 mo | Standard | | **ATV/UTV Long Term Loans (10 Years)** powersports_any_120mo | — APR | 5.990% | 120 mo | Standard | | **Boat/Camper Long Term Loans (15 Years)** boat_any_180mo | — APR | 6.490% | 180 mo | Standard | Simplicity Credit Union auto & vehicle rates as of November 12, 2026 ### Personal loan rates 7 offers | Product | Published | Rate | Term / condition | Status | | **Secured Loans (1-3 Years)** personal_secured_36mo | — APR | 3.740% | 36 mo | Standard | | **Secured Loans (4-5 Years)** personal_secured_60mo | — APR | 4.490% | 60 mo | Standard | | **72-Month Secured Personal Loan** personal_secured_72mo | — APR | 4.740% | 72 mo | Standard | | **84-Month Secured Personal Loan** personal_secured_84mo | — APR | 5.490% | 84 mo | Standard | | **2 Years Holiday Loan Special*** personal_unsecured_24mo | — APR | 5.990% | 24 mo | Standard | | **Debt Consolidation Loan** personal | — APR | 13.990% | — | Standard | | **FlexLine** personal | — APR | 15.000% | — | Standard | Simplicity Credit Union personal loan rates as of November 12, 2026 ### Credit card rates 3 offers | Product | Published | Rate | Term / condition | Status | | **SimpliRewards Plus** credit_card_rewards | — APR | 12.900% | — | Standard | | **SimpliRewards Plus Business** credit_card_business | — APR | 17.900% | — | Standard | | **SimpliRewards** credit_card_rewards | — APR | 17.900% | — | Standard | Simplicity Credit Union credit card rates as of November 12, 2026 ### Savings & CD rates 26 offers | Product | Published | Rate | Term / condition | Status | | **Rewards Checking Balance of $15,000.01 - and over** checking | — APY | 0.05% | — | Standard | | **Dividend Checking $1,000+ (no longer offered)** checking | — APY | 0.05% | — | Standard | | **Youth and Young Adult Savings $2,500.01 - and over** savings | — APY | 0.10% | — | Eligibility restricted | | **IRA** ira | — APY | 0.25% | — | Standard | | **Money Market ($25–$10,000)** money_market | — APY | 0.55% | — | Standard | | **Money Market ($10,000.01–$25,000)** money_market | — APY | 0.65% | — | Standard | | **6-Month Certificate** share_certificate_6mo | — APY | 1.24% | 6 mo | Standard | | **Money Market ($25,000.01–$50,000)** money_market | — APY | 1.25% | — | Standard | | **Money Market ($50,000.01–$100,000)** money_market | — APY | 1.60% | — | Standard | | **RISE Savings** savings | — APY | 1.96% | — | Standard | | **Money Market ($100,000.01–$250,000)** money_market | — APY | 2.23% | — | Standard | | **12-Month Certificate** share_certificate_12mo | — APY | 2.72% | 12 mo | Standard | | **24-Month Certificate** share_certificate_24mo | — APY | 2.97% | 24 mo | Standard | | **Rewards Checking Balance of $0.00 - $15,000.00** checking | — APY | 3.00% | — | Standard | | **Money Market ($250,000.01–$500,000)** money_market | — APY | 3.20% | — | Standard | | **36-Month Certificate** share_certificate_36mo | — APY | 3.21% | 36 mo | Standard | | **48-Month Certificate** share_certificate_48mo | — APY | 3.31% | 48 mo | Standard | | **60-Month Certificate** share_certificate_60mo | — APY | 3.40% | 60 mo | Standard | | **Money Market ($500,000.01+)** money_market | — APY | 3.45% | — | Standard | | **12-Month HSA** share_certificate_12mo | — APY | 3.70% | 12 mo | Standard | | **7-Month Certificate** share_certificate_7mo | — APY | 3.84% | 7 mo | Standard | | **13-Month Certificate** share_certificate_13mo | — APY | 4.09% | 13 mo | Standard | | **5-Month Certificate** share_certificate_5mo | — APY | 5.41% | 5 mo | Standard | | **10-Month Certificate** share_certificate_10mo | — APY | 5.44% | 10 mo | Standard | | **15-Month Certificate** share_certificate_15mo | — APY | 5.44% | 15 mo | Standard | | **Youth and Young Adult Savings $25.00 - $2,500.00** savings | — APY | 7.00% | — | Eligibility restricted | Simplicity Credit Union savings & cd rates as of November 12, 2026 ### Equipment loan rates 4 offers | Product | Published | Rate | Term / condition | Status | | **Tractor Long Term Loans (6 Years)** equipment_72mo | — APR | 4.740% | — | Standard | | **Tractor Long Term Loans (7 Years)** equipment_84mo | — APR | 5.490% | — | Standard | | **Tractor Long Term Loans (10 Years)** equipment_120mo | — APR | 5.990% | — | Standard | | **Tractor Long Term Loans (15 Years)** equipment_180mo | — APR | 6.490% | — | Standard | Simplicity Credit Union equipment loan rates as of November 12, 2026 Simplicity Credit Union is a credit union in Wisconsin. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/wisconsin/simplicity) , verified from [Simplicity Credit Union's official website](https://www.simplicity.coop/) Loading branch locator… ## About Simplicity Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 28.8K Assets $533.4M Founded 1949 Locations reported 9 NCUA charter 66678 Charter type Federally insured state-chartered credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - First-time homebuyer program - Student scholarships Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Valley Communities** Marshfield Office · Marshfield · WI · 54449-4918 About 1.1 miles away](https://rateapi.dev/credit-unions/wisconsin/valley-communities) [**First Choice** FIRST CHOICE CREDIT UNION · Marshfield · WI · 54449-4601 About 2.4 miles away](https://rateapi.dev/credit-unions/wisconsin/first-choice) [**Marshfield Medical Center** 302 W Upham St · Marshfield · WI · 54449-1461 About 3.3 miles away](https://rateapi.dev/credit-unions/wisconsin/marshfield-medical-center) [**Royal** Colby Office · Colby · WI · 54421 About 19.7 miles away](https://rateapi.dev/credit-unions/wisconsin/royal) [**Taylor** Abbotsford · Abbotsford · WI · 54405 About 21.8 miles away](https://rateapi.dev/credit-unions/wisconsin/taylor) [**Park City** Wisconsin Rapids · Wisconsin Rapids · WI · 54494-4868 About 25.1 miles away](https://rateapi.dev/credit-unions/wisconsin/park-city) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Simplicity Credit Union Membership eligibility from Simplicity Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Simplicity Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer CP Rail Systems, (f/k/a WI Central, Ltd.), Copps Company and Corporation (a/k/a Roundy’s Supermarkets, Inc.), Delta Dental Plan of Wisconsin, Donaldson Company, Corporate Express (f/k/a US Office Products), Herrschners, Inc., NAPA Distribution Center, Skyward, Steel King Industries, Inc., SNE Corp., Sunrise Medical (f/k/a Sunrise Habitat), City of Neenah, Neenah Joint School District, Neenah Water Utility, any municipality who engages in providing services to the City of Neenah - Association Tomorrow Valley Co-op Verified from [Simplicity Credit Union's membership page](https://www.simplicity.coop/membership) . Final membership determination is always made by the credit union. ## Membership rules for Simplicity Credit Union Employers 17 · Associations · Family 19 published paths to membership, last verified August 21, 2026, quoted from Simplicity Credit Union’s own published criteria. ### Employers 17 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Employee of CP Rail Systems, (f/k/a WI Central, Ltd.) “You are employed by CP Rail Systems, (f/k/a WI Central, Ltd.)” > [source ↗](https://www.simplicity.coop/membership) - Employee of CP Rail Systems, (f/k/a WI Central, Ltd.) - Employee of Copps Company and Corporation (a/k/a Roundy’s Supermarkets, Inc.) “Copps Company and Corporation (a/k/a Roundy’s Supermarkets, Inc.)” > [source ↗](https://www.simplicity.coop/membership) - Employee of Copps Company and Corporation (a/k/a Roundy’s Supermarkets, Inc.) - Employee of Delta Dental Plan of Wisconsin “Delta Dental Plan of Wisconsin” > [source ↗](https://www.simplicity.coop/membership) - Employee of Delta Dental Plan of Wisconsin - Employee of Donaldson Company “Donaldson Company” > [source ↗](https://www.simplicity.coop/membership) - Employee of Donaldson Company - Employee of Corporate Express (f/k/a US Office Products) “Corporate Express (f/k/a US Office Products)” > [source ↗](https://www.simplicity.coop/membership) - Employee of Corporate Express (f/k/a US Office Products) - Employee of Herrschners, Inc. “Herrschners, Inc.” > [source ↗](https://www.simplicity.coop/membership) - Employee of Herrschners, Inc. - Employee of NAPA Distribution Center “NAPA Distribution Center” > [source ↗](https://www.simplicity.coop/membership) - Employee of NAPA Distribution Center - Employee of Skyward “Skyward” > [source ↗](https://www.simplicity.coop/membership) - Employee of Skyward - Employee of Steel King Industries, Inc. “Steel King Industries, Inc.” > [source ↗](https://www.simplicity.coop/membership) - Employee of Steel King Industries, Inc. - Employee of SNE Corp. “SNE Corp.” > [source ↗](https://www.simplicity.coop/membership) - Employee of SNE Corp. - Employee of Sunrise Medical (f/k/a Sunrise Habitat) “Sunrise Medical (f/k/a Sunrise Habitat)” > [source ↗](https://www.simplicity.coop/membership) - Employee of Sunrise Medical (f/k/a Sunrise Habitat) - Employee of City of Neenah “City of Neenah” > [source ↗](https://www.simplicity.coop/membership) - Employee of City of Neenah - Employee of Neenah Joint School District “Neenah Joint School District” > [source ↗](https://www.simplicity.coop/membership) - Employee of Neenah Joint School District - Employee of Neenah Water Utility “Neenah Water Utility” > [source ↗](https://www.simplicity.coop/membership) - Employee of Neenah Water Utility - Employee of any municipality who engages in providing services to the City of Neenah “any municipality who engages in providing services to the City of Neenah” > [source ↗](https://www.simplicity.coop/membership) - Employee of any municipality who engages in providing services to the City of Neenah - Contractor of City of Neenah “contracted to work for the City of Neenah or the Neenah Joint School District” > [source ↗](https://www.simplicity.coop/membership) - Contractor for City of Neenah - Contractor of Neenah Joint School District “contracted to work for the City of Neenah or the Neenah Joint School District” > [source ↗](https://www.simplicity.coop/membership) - Contractor for Neenah Joint School District ### Associations 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Member of Tomorrow Valley Co-op “Stockholders or patrons of the Tomorrow Valley Co-op.” > [source ↗](https://www.simplicity.coop/membership) - Member of Tomorrow Valley Co-op ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Family of a member spouse, parent, sibling, in-law, children, stepparents, stepchildren, grandparents, grandchildren “You have a family member (spouse, parent,sibling, in-law,children, stepparents, stepchildren, grandparents, and grandchildren) who has joined Simplicity Credit Union.” > [source ↗](https://www.simplicity.coop/membership) - Family member (spouse, parent, sibling, in-law, children, stepparents, stepchildren, grandparents, grandchildren) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Simplicity Credit Union? Yes No ## Work at Simplicity Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Simplicity Credit Union ranks against Wisconsin peers. - See which AI assistants fetched Simplicity Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Wisconsin - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=simplicity&state=wisconsin&code=WI&name=Simplicity%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Simplicity Credit Union offer? Simplicity Credit Union currently offers vehicle loan, personal loan, and credit card rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Simplicity Credit Union rates updated? RateAPI verifies Simplicity Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Simplicity Credit Union's rate data? Rate data is collected directly from Simplicity Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### Who can join Simplicity Credit Union? Simplicity Credit Union publishes its membership criteria on its own website. RateAPI tracks 19 published membership paths covering 17 employers and 1 association for Simplicity Credit Union, each quoted from Simplicity Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Simplicity Credit Union's rates against national credit-union benchmarks. [More Wisconsin credit unions](https://rateapi.dev/credit-unions/wisconsin) [Wisconsin auto loan rate leaders](https://rateapi.dev/auto-loan-rates/wisconsin) [Wisconsin personal loan leaders](https://rateapi.dev/personal-loan-rates/wisconsin) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.simplicity.coop/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Simplicity Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Wisconsin credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Simplicity Credit Union curl "https://api.rateapi.dev/credit-unions/wisconsin /simplicity " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Simplicity Credit Union locations Search, filter, and browse all 9 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/wisconsin/simplicity Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp