Save on home improvements, vacations, or paying bills with a Summit Home Equity Line of Credit. Enjoy no closing costs1 and no annual fees, plus the option to choose between an introductory rate of 1.85% APR for six months2 or 2.45% APR for 12 months2.

THE SUMMIT IS AN EQUAL HOUSING LENDER. Membership eligibility required. Limited time offer. Subject to change without notice. 1. Loans subject to credit approval and certain limitations may apply. Closing costs (when applicable) include a title search, abstract redate, mortgage tax, filing fees, flood certificate fee, Credit Union appraisal fee, and title insurance, and are estimated to range from $495 to $1,500. Property insurance required. If you opt not to pay the closing costs associated with your home equity line of credit (HELOC), you must reimburse us for all costs we paid to third parties to open your HELOC unless you keep account open for at least 3 years from the HELOC open date. 2. APR as low as 4.25% available for line limits greater than $50,000. For line limits between $15,000 and $50,000, the APR as of 5/1/2017 was 4.55% and for line limits of $15,000 or less was 4.80%. The introductory APR used during the first 6 months or 12 months after the open date (depending on the option selected) is not based on the index and margin used to make later adjustments. After the introductory rate expires, account subject to a variable rate based on the highest Prime Rate as published in the Wall Street Journal’s Money Rates Section in effect on the day that any introductory period expires and subsequently on the last Tuesday of the calendar month immediately preceding each change date plus a margin. As of 5/1/2017, on a minimum of $50,000.01 HELOC, the fully-indexed APR was 4.25%, based on a Prime Rate of 4.00%. Thereafter, variable rate subject to change based on the highest Prime Rate and a margin of +.25% to .80% depending on the line limit. Maximum 18% APR. See branch for details.



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The Summit Federal Credit Union
The Summit routinely offers sweepstakes and drawings. Check this section of our site frequently for your chance to win. You must be a member of The Summit FCU to take advantage of its products and services. These offers are subject to change at any time at our sole discretion without notice.


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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.