Personal/Other Loans

Looking for the smart way to borrow? We can help.

Consolidate your debts into one low monthly payment, finance home improvements, or make a major purchase with a loan from The Summit. We offer a wide variety of consumer loans - all with competitive rates and flexible terms for easy-to-manage monthly payments.

Personal Loan

Get a low-cost Personal Loan for special events like an upcoming wedding or that once-in-a-lifetime trip you've always dreamed about. You can always count on The Summit for competitive rates and affordable monthly payments.

First Home Club

The First Home Club is an exciting program designed specifically to help qualified first-time homebuyers reach their dream of home ownership. This mortgage program is geared to helping individuals and families overcome one of the biggest obstacles to buying a home — saving enough money for the down payment and closing costs. For more information about our First Home Club, visit our News Page.

RV/Marine Loans

If you're planning a family trip or want to spend your summer boating on the lake, we can help you with an affordable RV/Marine Loan. We offer low rates that will get you and your family on the road in no time.

Home Improvement Loan1

Whether you're planning full-scale changes or simply redecorating, The Summit can make your projects more affordable with a Home Improvement Loan. With our low rates and convenient terms, you can get the money you need for all your remodeling projects.

Debt Consolidation Loan

Consolidate higher-interest credit cards and loans into one small monthly payment with a Debt Consolidation Loan. You can cut your monthly credit costs and significantly trim your budget - check out our rates today.

Secured Loan

Use the money you have on deposit with The Summit as collateral for a low-interest rate Secured Loan. We offer Share Secured, Certificate Secured and Money Market Secured Loans.

College Wise Loan

If you're planning to attend or you already attend college, we have special member financing options to help meet your expenses, such as tuition, books, plus room and board. Our College Wise Loans have extended terms and a competitive interest rate to make college expenses more reasonable.

Sallie Mae Smart Option Student Loan®

When scholarships, federal loans and financial aid won't cover all the expenses, this innovative private student loan can help make up the rest. Contact our Member Service Center at (585) 453-7030 or (800) 836-SFCU extension 7030 for more information. The Sallie Mae Smart Option Student Loan is part of The Summit's signature Start Smart Program for young adults.

Apply today!

Use our convenient loan calculators to determine the financing and payment options that are best for you, then apply online, visit a branch, or contact us at (585) 453-7030 or (800) 836-SFCU extension 7030 to open your Summit loan. You also have the option to save even more by having your loan payments automatically deducted from your account each month.


1. All home improvement loans $10,000 and over will require the following information to secure the loan: 

  • Copies of hired contractor's estimates to complete the work OR materials estimates from the merchant(s) you plan on purchasing the supplies from, if completing the home improvements yourself.
  • Copies of last two most recent pay stubs for all borrowers listed on application.
  • Self-employed individuals (and those who want other income to be considered in support of their application) must enclose signed and complete Federal Tax Returns (1040's, all schedules, partnership returns; if any) for the past two years.


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.