Lock In a Great Rate
Certificates offer higher dividend rates and a variety of terms to choose from.
Get Started
Schedule a Video Appointment
Not a member yet? Get started with a Membership Application and someone will reach out to you. Mention “Certificate” when speaking with your Member Services Representative.
Give the gift of savings!
Is a Certificate right for you?
A Certificate from The Summit is designed to increase your savings in a secure and predictable way. Earn a fixed dividend rate for the term of choice and watch your funds grow.
- Choose from a variety of certificate terms.
- Start with as little as little as $50 for a Youth Certificate, $500 for a Regular Certificate, and $75,000 for a Jumbo Certificate.
- Certificates automatically renew at maturity with no action required by you.
- Save with confidence – deposits are federally insured by the NCUA up to $250,000.
Certificates Rates
Regular, IRA, Roth IRA, Coverdell, and Youth Certificate rates effective November 13 through November 19, 2025.
Youth Certificate minimum opening balance $50.
|
Term
|
Minimum Balance
|
Youth Minimum Balance
|
Dividend Rate
|
Annual Percentage Yield
|
|
90 Days
|
$500
|
$50
|
3.440%
|
3.500%
|
|
6 Months
|
$500
|
$50
|
3.585%
|
3.650%
|
|
7 Months***Special Promo Rate
|
$500
|
$50
|
3.922%
|
4.000%
|
|
12 Months
|
$500
|
$50
|
3.392%
|
3.450%
|
|
13 Months***Special Promo Rate
|
$500
|
$50
|
3.682%
|
3.750%
|
|
18 and 24 Months
|
$500
|
$50
|
3.295%
|
3.350%
|
|
30, 36, 42 Months
|
$500
|
$50
|
2.956%
|
3.000%
|
|
Long-Term 4-10 Year
|
$500
|
$50
|
2.567%
|
2.600%
|
|
Jumbo 30 Days
|
$75,000
|
$75,000
|
3.585%
|
3.650%
|
|
Jumbo 6 Months
|
$75,000
|
$75,000
|
3.826%
|
3.900%
|
|
Jumbo 7 Months***Special Promo Rate
|
$75,000
|
$75,000
|
3.922%
|
4.000%
|
|
Jumbo 12 Months
|
$75,000
|
$75,000
|
3.633%
|
3.700%
|
|
Jumbo 13 Months***Special Promo Rate
|
$75,000
|
$75,000
|
3.682%
|
3.750%
|
|
Jumbo 18 and 24 Months
|
$75,000
|
$75,000
|
3.537%
|
3.600%
|
For a full listing of rates, see our Certificate Rate Schedule.
Get Started Today!
- Current members: To open your certificate, fill out the inquiry form below, visit your nearest Summit branch, or contact Member Services at (585) 453-7000 or (800) 836-7328.
- Not a member yet? Get started with a Membership Application and someone will reach out to you. Mention “Certificate” when speaking with your Member Services Representative.
What’s the difference between a Certificate and a Certificate of Deposit (CD)?
Both types of accounts work the same way providing a fixed return when funds are invested for a specified amount of time. The difference is that credit unions call the account a Certificate and banks call the account a Certificate of Deposit (CD).
Additional Savings Options
We also have a wide variety of options to help you reach your retirement goals or supplement other retirement plans. For a full list of savings options and rates, see our Rate and Fee Schedule.
FEDERALLY INSURED BY NCUA. Membership eligibility required.
Rates are subject to change at any time. Minimum balance to open certificate and earn Annual Percentage Yield is $500 or $50 for members under 18. Fees may reduce earnings. Early withdrawal penalties may apply.
***Certificate must be opened between 11/6/2025 and 12/10/2025. To qualify for the promotional Annual Percentage Yield (APY) you must open a new Certificate with promotional term of 7 or 13 months. Minimum deposit amount for certificate promotional offers: $500 for a regular Share Certificate, $75,000 for a Jumbo Share Certificate or $50 for members under 18 years old. APY assumes daily compounding of principal and interest. Early withdrawal of dividends or principal may affect your APY earned. There may be a substantial penalty for early withdrawal. A 7-month certificate renews automatically for a 6-month term, and a 13-month certificate renews automatically for a 12-month term at the rate in effect at the time of renewal unless otherwise directed. Offer subject to change at any time at our sole discretion without notice.
