HELOC 2024

Put Your Home’s Equity to Work

6 month intro rate


After that, rates as low as


Looking for a fixed rate? Check out our special 5-year Home Equity Loan rate.

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Open a High Yield Savings Account


Money Market Special

Rate guaranteed until April 30, 2025, when you open a new High Yield Money Market account with a minimum of average daily balance of $5,000.

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Set Your Child Up for Financial Success

We’re Elevating the Ordinary™

And it all starts with elevating the way that you bank.

We’re constantly innovating – creating new programs, perks, and opportunities – to make saving and borrowing easier for everyone. Banking doesn’t have to be business as usual.

You might be eligible for the Homebuyer Dream Program

Dreaming of Buying Your First Home?

If you meet certain requirements, you may be eligible for a $20,000 grant for your first home with the Homebuyer Dream Program®.

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No Credit? No Problem

Establish or rebuild your credit with a Summit Visa® Secured Card – perfect if you are just starting out or need to boost your credit score.

Extended Offer! $300 When You Refinance

Refinance your student loans with The Summit today to get $300. Conditions apply.

It pays to upgrade to a checking account with The Summit.

Get a Summit Visa® Debit Card and turn your everyday purchases into cash.

Learn More

Prepare to plan with The Summit’s Retirement & Investment Services!

Here’s your chance to learn everything you need to know about the return of conservative investing. RSVP now to register your virtual seat today!

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Check out The Summit’s blog!

We provide insights and tips to help you with your finances.

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Learn With Us

How to Build Good Credit in College

Going to college is one of the first steps of freedom as you transition from being at home with family to living independently as a young adult. With this transition comes a myriad of decisions to make about your education, housing arrangements, social life and money habits.  Each decision helps to prepare for a future […]

How to Start Building Credit in High School and College

Why is your credit score important? Building and maintaining good credit is a smart step toward financial independence, and the earlier you start, the better. Having a solid credit rating is important for several big financial moves like buying your first car, applying for a loan, being screened for an apartment, and purchasing a home. […]

6 Critical Lessons for Your Teen’s First Credit Card

Starting at age 18, young adults can get their first credit card to start building their credit and working toward financial independence. Before they start using their new card, it is important to make sure they understand the key elements of using and paying with a credit card. Here are six important things your teen needs […]

Community Spotlight

The Summit-Sponsored Rochester Wine and Chocolate Festival Raises $3,000 for Sleep in Heavenly Peace

Thanks to the generosity of everyone who attended our Rochester Wine and Chocolate Festival in March, and those who donated items for our raffles, we were able to present the Rochester Chapter of Sleep in Heavenly Peace with a check for $3,000. That’s enough to build twelve beds from boards and bolts to bedding!

What’s New With The Summit

The Summit to Sponsor FREE “Jazz at the Beach” Series Presented by JAZZ90.1 and the Ontario Beach Park Committee

For the second year in a row, The Summit Federal Credit Union will be sponsoring Jazz at the Beach, a FREE series of monthly jazz concerts from May through November presented by Jazz90.1 and the Ontario Beach Park Committee.  All performances begin at 7:00 pm and take place on the second Tuesday of each month […]

Upcoming Events

Income for Life

May 1, 2024

6:00 pm – 7:00 pm

FREE Jazz at the Beach Concert: Bill Tiberio Band

May 14, 2024

7:00 pm – 8:30 pm