The Summit Federal Credit Union | Personal Banking & Loans

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Today’s Rates

Rates shown as of September 30, 2026

Not responsible for typographic errors. Other products, rates and terms available. Visit each product page to learn more.

Visa Credit Card Rates

As low as

10.25%

Annual Percentage Rate

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Certificates Rates

As high as

4.50%*

Annual Percentage Yield

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Home Equity Line of Credit Rates

as low as

7.00%

Annual Percentage Rate

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

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

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

You deserve the future you want! The Summit Retirement and Investment Services can help you define goals and plan for a brighter future.

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Protecting your accounts is a top priority for The Summit.

In today’s digital world, it’s important to be on the lookout for fraudulent activity and to know how to safeguard yourself against it. Check out our Fraud Prevention Center for resources and advice to help you stay safe.

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Phone a Friend. Refer a Friend.

September 4, 2026

How many times have you really enjoyed something, or found something works well for you? The first thing you want to do is tell someone, right? You want to share with friends and family so that they can enjoy those same things. Our members are our greatest ambassadors. Take this comment from a member, for […]

Financial Empowerment Starts with the People Around You

August 24, 2026

By Laurie Baker, President and CEO In my last blog, I shared a simple thought: community isn’t something we find, it’s something we build. The people we surround ourselves with shape how we grow, overcome challenges, and celebrate successes. The same is true when it comes to our financial lives. Financial empowerment isn’t about having […]

The Smart Spender’s Guide to Credit Cards

July 23, 2026

By GreenPath Financial Wellness Whether you’re earning rewards on groceries, booking summer travel, or simply covering everyday purchases, credit cards can be a valuable financial tool. But convenience is a double-edged sword. With one tap, it’s easier than ever to spend without thinking about the long-term impact. These practical habits can help you use credit […]

Community Spotlight

The Summit Federal Credit Union Taste of Syracuse 2026, Presented by Tops, Raises Over $30,000 for Local Charities

Central New York’s biggest food and music festival welcomed an estimated 200,000 people over two days. While the festival welcomed large crowds, it also raised over $30,000 for local charities Two checks were presented on Tuesday, September 29th, within Clinton Square where the festival was held. Checks for over $15,000 each were presented to Feed […]

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What’s New With The Summit

Leanne McGuinness, Chief Financial Officer for The Summit, Named to Alloya’s Inaugural Hall of Champions

To celebrate their 15th anniversary, Alloya Corporate Federal Credit Union established the Hall of Champions to recognize individuals who have helped shape the credit union movement at the national level. The Summit is proud to announce that its Chief Financial Officer, Leanne McGuinness, has been named to Alloya Corporate Federal Credit Union’s inaugural “Hall of […]

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