Ditch the fees and keep the perks with Simply MORE!
Earn competitive dividends on balances while conveniently managing cash and performing most transactions digitally.
Benefits You’ll Love
- No qualifications or requirements to earn rewards
- Grow balances faster with competitive interest
- Get fast cash when you need it at thousands of ATMs
- Easy to use checking account for members age 14 and older^
- Free checking that pays high dividends
- 1.25% APY on balances up to $10,000*
- 0.25% APY on balances over $10,000*
- First two ATM fee refunds back per month, up to $4.99 each**
- No monthly service fee
- Available to members age 14 and older^
- No minimum balance to earn rewards
- No qualifications need to be met to earn rewards
- Free check writing, up to 50 checks per month
- Conveniently reorder checks online
- Free digital banking services, including:
- Free online banking & bill pay
- Free mobile banking with mobile deposit
- Free eStatements
- Free Mastercard® debit card
- No minimum deposit to open
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*APY=Annual Percentage Yield. Calculated on average daily balance. Rates may change at any time.
**Unlimited ATM fee reimbursement is no longer applicable. You will receive the first two reimbursements per month, up to $4.99, for nationwide ATM withdrawal fees incurred within your Simply Checking Account during the Monthly Statement Cycle. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction.
^If the primary account holder is under the age of 18, a parent or legal guardian must jointly be on the account until the minor turns 18. To be eligible for this account, members must be 14 years of age or older. For members 18 and over, the FIS report determines which checking account the individual qualifies for. Qualifications apply.
Use this calculator to determine your projected earnings from our Reward Checking account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly dividends earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term Share Certificate can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total dividends earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Individual Retirement Account (IRA)
| Balance Required to Earn Dividends | Rate | APY |
|---|---|---|
| $0 - $24,999.99 | 0.55% | 0.55% |
| $25,000 - $49,999.99 | 0.70% | 0.70% |
| $50,000 - $99,999.99 | 0.80% | 0.80% |
| $100,000+ | 2.50% | 2.50% |
Money Market Account
| Balance Required to Earn Dividends | Rate | APY |
|---|---|---|
| $2,500 - $24,999.99 | 1.80% | 1.80% |
| $25,000 - $49,999.99 | 1.85% | 1.85% |
| $50,000 - $74,999.99 | 1.90% | 1.90% |
| $75,000 - $99,999.99 | 1.95% | 1.95% |
| $100,000 or more | 2.00% | 2.00% |
| $150,000.00 or more* | 2.75% | 2.75% |
*Elite Money Market Account
Share Accounts
| Account | Balance Required to Earn Dividends | Rate | APY |
|---|---|---|---|
| Member Savings | $0 - $9,999.99 | 0.05% | 0.05% |
| Member Savings | $10,000 - $24,999.99 | 0.05% | 0.05% |
| Member Savings | $25,000+ | 0.10% | 0.10% |
| Prime Time Club | Bonus on all balances** | 0.15% | 0.15% |
| Simply MORE! Checking* | $0 - $10,000 | 1.25% | 1.25% |
| Simply MORE! Checking* | $10,000.01 or more | 0.25% | 0.25% |
| Christmas Club | All balances | 0.05% | 0.05% |
All savings rates quoted as annual percentage yields. All share accounts other than Share 0 will be paid the Tier 1 dividend.
*Calculated on average daily balance.
**Bonus rate applies only to member's main share savings account.
Share Certificates
| Type | Term | Minimum Balance Required | Rate | APY |
|---|---|---|---|---|
| Share Certificate | 6 Month | $1,000 | 1.74% | 1.75% |
| Share Certificate | 9 Month | $1,000 | 1.74% | 1.75% |
| Share Certificate | 12 Month | $1,000 | 2.58% | 2.60% |
| Share Certificate | 15 Month | $1,000 | 2.58% | 2.60% |
| Share Certificate | 18 Month | $1,000 | 2.62% | 2.65% |
| Share Certificate | 21 Month | $1,000 | 2.62% | 2.65% |
| Share Certificate | 24 Month | $1,000 | 2.72% | 2.75% |
| Share Certificate | 27 Month | $1,000 | 2.72% | 2.75% |
| Share Certificate | 30 Month | $1,000 | 2.77% | 2.80% |
| Share Certificate | 33 Month | $1,000 | 2.77% | 2.80% |
| Share Certificate | 36 Month | $1,000 | 2.77% | 2.80% |
| Share Certificate | 48 Month | $1,000 | 2.87% | 2.90% |
| Share Certificate | 60 Month | $1,000 | 3.02% | 3.05% |
| YOUTH Share Certificates | Term | Minimum Balance Required | Rate | APY |
|---|---|---|---|---|
| Youth Share Certificate | 6 Month | $250 | 1.74% | 1.75% |
| Youth Share Certificate | 9 Month | $250 | 1.74% | 1.75% |
| Youth Share Certificate | 12 Month | $250 | 2.58% | 2.60% |
| IRA Share Certificates | Term | Minimum Balance Required | Rate | APY |
|---|---|---|---|---|
| IRA Share Certificate | 24 Month | $1,000 | 2.72% | 2.75% |
| IRA Share Certificate | 36 Month | $1,000 | 2.77% | 2.80% |
| IRA Share Certificate | 48 Month | $1,000 | 2.87% | 2.90% |
| IRA Share Certificate | 60 Month | $1,000 | 3.02% | 3.05% |
All Share Certificate Rates subject to change without notice. Penalty for early withdrawal.