Why Join The Summit?

At The Summit we're committed to serving all your financial needs that will help you through every phase of your life.

As a credit union, The Summit is a not-for-profit financial institution owned and operated exclusively by our members. Our goal is to provide affordable financial products and services combined with low competitive loan rates and higher dividends on your savings. In addition, you can expect the highest levels of member service to meet your needs everyday!

Please note, if you are already a member and looking to set up your Online Access account, click here.

Become a Member Today!

  1. Right now - with an Online Membership Application
  2. In person - At a branch location
  3. By Mail - Download a copy of our Membership Enrollment Application

For more information about applying for membership, click here.

How can I become a member?

You're eligible to join if:

  1. You're an employee, retiree, or volunteer of one of our member companies. A full alphabetical company listing can be found here.
  2. You live, work, worship, volunteer, or attend school within the geographic boundaries of one of our Community Charters:
    1. City of Buffalo
    2. City of Geneva
    3. City of Rochester
    4. City of Syracuse
    5. City of Tonawanda
    6. Town of Amherst
    7. Town of Henrietta
    8. Town of Tonawanda
    9. Cortland County
  3. You're related to or share a permanent residence with a Summit member or potential member

Become a Member Company

Give the gifts of “credit union ownership” and “financial wellness” to your employees and their families.  As a Member Company of The Summit, we’ll team-up with you to improve employees’ financial well-being, job performance and job satisfaction.

Benefits to Employers

  • NO COST high-ROI addition to your employee benefits program
  • A partner in the pursuit of corporate goals in the workplace and community
  • FREE financial education seminars, credit union orientations and benefit fairs
  • Personalized support of credit union services for your staff

Benefits to Employees

  • Access to one of Upstate NY’s strongest credit unions
  • Convenient “anytime, anywhere” access to your money, accounts and service
  • National network of shared branches and surcharge-free ATMs
  • Financial education, confidential consultation, retirement and investment services
  • Full array of competitive savings and loan products and direct deposit
  • Members-only promotions

Join Today

Whether your company is large or small, find out how The Summit can help you attract and retain talented, productive and loyal employees.

Adding The Summit to your benefits package is quick and easy—all you need to do is ask!  Call (800) 836-SFCU (7328) extension 7272, or email and we’ll take care of the rest!



Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.
National Credit Union Administration, a U.S. Government Agency

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You must be a member of The Summit FCU to take advantage of its products and services
Serving Central & Western New York
2012 by The Summit Federal Credit Union. All rights reserved

Summit Online Access Enrollment

Enrolling in Online Access is easy - here's how:

If you don't have an Online Access PIN or need assistance, please call (585) 453-7030 or (800) 836-7328.