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Fee Schedule

Simply Service Federal Credit Union Rates
Shares, Certificate and IRA Rates as of June 15, 2016 

Student CD's available for ages 0 - 18 years, with minimum deposit of $100.00.
CD penalty of 60 days for early closure of 6 month term certificates.
CD penalty of 90 days for early closure of 12 month and higher term certificates.

*Rates are subject to change without notice
*Annual Percentage Yield
Term Rate *APY Rate Raiser Minimum Deposit
6 Months        
$500 - $24,999 0.20% 0.20% none $500.00
$25,000 and up 0.20% 0.20% none $25,000.00
12 Months        
$500 - 24,000 0.30% 0.30% none $500.00
$25,000 and up 0.30% 0.30% none $25,000.00
24 Months        
$1,000 - $24,999 0.40% 0.40% one $1,000
$25,000 and up 0.40% 0.40% one $25,000.00
36 Months        
$1,000 - $24,999 0.50% 0.50% one $1,000.00
$25,000 and up 0.50% 0.50% one $25,000.00
         
Share/Club Accounts Rate *APY   $5.00
$0 - $99 0.00% 0.00%    
$100 - $9,999 0.05% 0.05%    
$10,000 - $24,999 0.10% 0.10%    
$25,000 and up 0.15% 0.15%    
         
Peewee Penguin Club 1.00% 1.00%   $5.00
         
Holiday Club .10% .10%   $5.00
         
Century Accounts .075% .075%   $2,000
         
IRA Share Accounts .55% .55%   $25.00

Loan Rates effective February 17, 2017

Rates include a .50% discount. Available to members who maintain an active checking account with us and their loan payment is made by an automatic method (excluding unsecured loans).
Share/CD secured loan rates will be 2% higher than the current dividend earning rate.
Late Fee 5% of payment or $25.00, whichever is greater (effective June 1, 2011).

Maximum terms may be limited based on collateral mileage, condition and age.                                                             

Loans with a term of less than one year are subject to a $50 loan fee.         

Loan Payment Example: At 5.49% APR for 60 months with 0% down, monthly payments are calculated at $19.10 per $1,000 borrowed.

Not all borrowers will qualify for lowest APR or 0% down.

*Rates are subject to change without notice
Rates are shown as Annual Percentage Rate (APR)

Automobiles      

2017, 2016 Vehicles

     
Term A B C D E
24 months 2.19% 2.74% 4.19% 7.99% 11.99%
36 months 2.74% 2.99% 4.79% 8.24% 11.99%
48 months 2.79% 3.29% 5.14% 8.49% 11.99%
60 months 2.89% 3.49% 5.29% 8.99% 12.99%
72 months 3.19% 3.69% 5.74% 10.99% 14.99%
84 months     5.24% 5.49% 6.99% N/A     N/A
**Minimum amount financed of $25,000 to qualify for 84 mos          
Automobiles          

2015, 2014, 2013 Vehicles

   
Term A B C D E
24 months 2.74% 3.79% 4.79% 7.49% 11.99%
36 months 3.14% 3.99% 5.49% 8.99% 13.99%
48 months 3.14% 3.99% 5.69% 8.99% 13.99%
60 months 3.24% 4.14% 5.99% 8.99% 13.99%
66 months 3.49% 4.24% 6.19% 9.24% N/A
72 months 3.99% 4.64% 6.49% N/A N/A
Automobiles          

2012, 2011, 2010 Vehicles

   
Term A B C D E
36 months 5.19% 5.99% 6.99% 10.49% 13.09%
48 months 5.34% 6.09% 7.09% 10.99% 13.99%
54 months 5.49% 6.24% 7.24% 11.99% N/A
Automobiles          

2009 and Older Vehicles 

     
Term A B C D E
           
48 months 6.79% 7.09% 8.74% 12.24% 16.99%
*Vehicles with 100,000 or more miles: No more than 36 month term
*Diesel vehicles with 100,000 or more miles: No more than 48 month term
       
NCUA Insured Equal Housing Lender MASC