Summit News

Activate your Card Today

If you recently received a new card, please activate it today by visiting or by calling (800) 411-6390. If you have any questions, please contact our Member Service Center at (585) 453-7030 or (800) 836-7328 extension 7030.  

Planning a vacation?

Whether it’s a road trip or something more, The Summit has you covered with:

•    FREE mobile banking1
•    surcharge-free ATM transactions at 70,000 ATMs nationwide2
•    Need to visit a branch while you’re away? There are 5,000+ CO-OP Shared Branch locations nationwide to serve you3

Let Us Know Your Plans Before You Leave!

Avoid debit and/or credit card interruptions while traveling by letting us know your plans ahead of time. Simply call our Member Service Center at (585) 453-7030 or (800) 836-7328 extension 7030 so we can notate your travel dates prior to your trip. Our fraud detection system looks for unusual or suspicious transactions that fall outside your normal pattern of card usage. By letting us know that you’re traveling, we will know it’s you using your card and not someone else. 

If you’re on vacation or have experienced an issue using your Visa Debit Card for purchases, please give our Member Service Center a call at (585) 453-7030 or (800) 836-7328 extension 7030 so we can ensure that your transactions are processed seamlessly. If it is after business hours and you have a lost or stolen card, please contact Visa directly at (800) 682-6075 for your Visa debit card and (800) 449-7728 for your Visa credit card. 

1. Summit Mobile Banking is available only with a Summit FCU Account. To use Mobile Banking you are required to subscribe to a data plan through your wireless provider. Check your plan or contact your wireless provider if you aren’t sure whether additional fees might apply. 2. There is no charge for transactions conducted at Summit-owned or Sharenet ATMs, POS terminals, or at merchant locations using the Check/ Debit Card. A $2.00 fee will be charged for each ATM transaction at a non-Summit owned or non-Sharenet ATM machine which exceeds the number of free transactions associated with your Member Benefit Level. This is based upon the posting date of your transactions. If you use an ATM that includes a surcharge fee from that provider, you will be responsible for that fee. 3. Members do not pay to use Co-Op Shared Branch network. However, a charge may apply for some services.

First Home Club

Now The Summit makes it easier than ever to buy your first home.  For every $1 saved, you could be eligible to receive $4 in matching grant funds up to $7,500. Use the matching funds towards a down payment and closing costs for the purchase of your first home.

What are some perks of the program?

Receive up to $7,500 grant1.
Reduction in our Origination Fee by $100.
No PMI (Private Mortgage Insurance) required.

Not only will the First Home Club help you save money towards a down payment and closing costs, it also has a counselling course that helps you prepare to be a smart homeowner and establish the money management skills you need to be successful.

Who is eligible for the program?

In order to take advantage of this offer you must:
  1. Be a first-time homebuyer2.
  2. Have an income 80% or less of the median income level of your area.
  3. Open a dedicated savings account with The Summit Federal Credit Union and agree to save monthly for a minimum of ten months. The goal is to save a total of $1,875 over a 14 month time frame.
  4. Obtain mortgage financing from The Summit.
  5. Complete a homebuyer counseling program.

How to Get Started

If you're interested in learning more about the First Home Club, call Andrea Thune (585) 453-8665 or (800) 836-7328 extension 8665 or email her at

1. The First Home Club is a program provided through the Federal Home Loan Bank of New York to help members save money toward down payment and closing costs. Households may earn a grant of up to $7,500 towards down payment and closing costs by completing a dedicated savings plan through The Summit FCU. A list of preliminary qualifications associated with the First Home Club can be found here: 2. A first-time homebuyer is defined as an individual who has had not owned a home during the 3-year period prior to the purchase of the new home.

The Summit to Open Branch in North Syracuse

The Summit Federal Credit Union plans to open a branch at 5201 West Taft Road in Syracuse. The location, convenient to Syracuse’s northern suburbs, will replace both The Summit’s Cicero and Liverpool branches.

We are committed to providing superior service to our members and part of that commitment is ensuring that both our products and our facilities reach those high standards. Our branches need to be compatible with the way members access financial services today and have the flexibility to accommodate the future.

The new branch will include conveniences and new technology that are prohibitive to build into the Cicero and Liverpool facilities. These enhancements include drive-through service lanes and an ATM lane, an interior layout that can accommodate private meeting spaces, and plenty of parking.

The faces you currently see at both the Cicero and Liverpool locations will remain with The Summit after the transition. Many of those familiar employees will relocate to the new branch, where they will be better equipped than ever to help with your financial service needs.

The new branch opening, as well as the closing of the Cicero and Liverpool branches, are anticipated to occur within the next six months.

Summit News - Latest Happenings


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