Rates are subject to change at any time. APY = Annual Percentage Yield.

Rate Hotline: (585) 453-RATE or (800) 836-7328 extension 7283.

For a full listing of share certificate rates, please visit our Share Certificate Rate Schedule.

*Subject to change. Not responsible for typographical errors. A penalty will be imposed for early withdrawal. Fees may reduce earnings.

If you're a current member and you would like to open a share certificate, please visit our Applications Section, call our Member Service Center at (585) 453-7030 or (800) 836-SFCU, or stop by any Summit branch. If you'd like to join The Summit today, please visit the Membership section of our site. Funds on deposit are insured by the National Credit Union Administration (NCUA) up to the legal limit of $250,000.

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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Current Loan Rates*

*Your exact loan rate and payment will be determined once your loan has been approved, based on your past credit performance. The above rates are subject to change without notice. Not responsible for typographical errors. Call The Summit for fixed rate first mortgage rates. Variable rates available for all loan types. 100% financing available on car loans and recreational vehicle loans. The Summit FCU is an Equal Housing Lender. We do business in accordance with the Fair Housing Law and the Equal Credit Opportunity Act.

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*Rate subject to change. Not responsible for typographical errors.
Notes:
(1) All rates and terms are subject to change without notice. The variable rate is subject to change based on the highest Prime Lending Rate quoted in The Wall Street Journal plus or minus a margin. A change in the APR will result in a change in the payment amount. The APR may increase after consummation of your line of credit or loan but may not exceed 18.00%. For current home equity product rates, call our Member Service Center at 453-7030.

(2) If you opt not to pay the closing costs associated with your line of credit or loan, we will require you to reimburse us for all the costs we incurred to open your line of credit or loan, unless you keep your account open for at least three years from the date of your home equity line of credit or home equity loan closing. The mortgaged property must be a 1-4 family dwelling located in New York State and occupied by an owner who is a member of The Summit FCU. Closing costs (when applicable) include a title search, abstract redate, mortgage tax, filing fees, flood certificate fee, Credit Union attorney fee, and title insurance, and are estimated to range from $495 to $1,500. You may receive a specific itemization of these fees upon request. Property insurance is required.

(3) The automatic payment rate is only available when the member authorizes the Credit Union to automatically deduct payments from the member's Auto Loan Pay Share account. To receive the automatic payment rate, the payment transfer must be from a member's Checking Account or Auto Loan Pay Share account. If you would like to be billed, your APR will be .25% higher than the APR with automatic payment.

All loans are subject to credit approval. You must be a member of The Summit FCU to take advantage of its products and services. Additional restrictions may apply. The Summit FCU is an Equal Housing Lender. We do business in accordance with the Fair Housing Law and the Equal Credit Opportunity Act. Our main office is located at 100 Marina Drive, Rochester, NY 14626.

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(1) Rates quoted assume that the standard closing costs are paid. For our no closing costs option, add 0.75% to the correspinding rate with closing costs. Maximum Loan Amount $417,000.00.

(2) Contact The Summit FCU for information on whether or not you qualify for this unique mortgage program.

*Additional discount point options may be available.

Loans are subject to credit approval. Loan-level price adjustments may be assessed based upon certain loan features, including credit score, loan purpose, occupancy, number of units, product type, the presence of subordinate financing, etc. You may be subject to higher rates or points.

All mortgage rates quoted are for a 60 day lock-in period. Rates are not guaranteed until locked in with a Summit Mortgage Representative. Rates quoted are subject to change more than once daily without notice. They are subject to market conditions. Annual Percentage Rate (APR) calculations are based on a loan amount of $175,000.00 with a 20% down payment with no PMI. Your actual APR and closing costs may be different depending on the actual amount you borrow, the amount of your down payment and any other discount points you may pay in connection with your loan.

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Rate Hotline: (585) 453-RATE
*Rates subject to change. Rates may change after account is opened. Not responsible for typographical errors. Fees may reduce earnings. ** Rate is for month ending 2/28/10.

For your copy of The Summit's Rate and Fee Schedule, please click here.

If you are interested in opening any of these accounts, please call our Member Service Center at (585) 453-7030 or (800) 836-SFCU, or stop by any Summit branch!

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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