Investing in federally insured CDs has never been so simple.

When you start investing through SimpliCD, your life gets a little less complicated. SimpliCD is a certificate of deposit program that lets you easily invest substantial funds in federally insured CDs or to generate liquidity quickly by issuing CDs to a nationwide market of potential investors. This turnkey program combines CD investing and issuing with the advantages of competitive rates and consolidated reporting. Eliminate the hassle and time involved in investigating potential issuers and purchasing the CDs yourself. 

SimpliCD is owned and operated by Primary Financial Company LLC, a credit union service organization owned jointly by corporate credit unions nationwide. As the original developer of SimpliCD, we are one of the largest co-brokers of SimpliCD in the nation. 


  • Save time through convenient, efficient investing:
    • No more phone calls to multiple issuers to find competitive rates
    • No more multiple wire transfers to invest in multiple CDs
  • Flexible terms and amounts that fit into your investment strategy
  • Free third-party performance reviews on issuers that help you make more informed decisions
  • Consolidated monthly reports for easier accounting and auditing
  • The security of investing with federally insured institutions
  • Deepen relationships with your institutional members by taking advantage of the Institutional Investor Program


  • A one-stop shopping online platform for investing and issuing insured deposits
  • Work with an investment representative or invest yourself online
  • Visibility to CDs available to your credit union in terms ranging from six months to five years, and in amounts ranging from $99,000 to $20 million. Placements are made by purchasing multiple CDs in amounts between $99,000 and $250,000 at separately insured issuers
  • A detailed tracking system ensures no more than the Standard Maximum Deposit Insurance Amount of principal is placed in any single financial institution within the SimpliCD program
  • SimpliCD purchases the CDs in a custodial capacity on your behalf, passing all federal insurance benefits through to you. You remain the legal owner of the CDs
  • All of your earnings are tracked, monitored and collected by SimpliCD so you receive a single consolidated monthly interest payment for all of your SimpliCD investments that received interest that month
  • Settlement with no transaction fees

Institutional Investor Program


  • Safety – SimpliCD only uses issuers offering FDIC or NCUSIF insurance. Also, as a CUSO, Primary Financial regularly provides the NCUA access to its books and records and is audited annually by an independent accounting firm.
  • Flexibility - Terms from 30 days to 5 years are available and your member can set the issuer criteria, such as Veribanc ratings and geographic locations.
  • Convenience – Purchases take only one phone call to Corporate One’s investment department. Once the order is received Corporate One and Primary Financial take care of the rest. From placing funds with CD issuers and providing confirmation statements accompanied with performance reviews, to providing consolidated interest payments, your institutional members will save tons of time.
  • Performance – Rates come from a competitive pool of nationwide issuers and are quoted “net to you” with no extra fees or charges

Want to learn more about SimpliCD Investing?

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