Share Certificates

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Lock In a Great Rate

A Share Certificate is a fantastic way to save with flexible terms.

  • Open your Share Certificate with as little as $500 ($50 for Youth Accounts)
  • Earn competitive yields based on the term you choose
  • Flexible terms ranging from 90 days to 10 years
  • Fixed rate across entire Share Certificate term
  • Open a Jumbo Share Certificate with $75,000+ to earn the highest yields with terms from 30 days to 42 months
  • Members under 18 years old can open a Youth Share Certificate with a parent or guardian for as little as $50 and enjoy the same yields and terms as a regular Share Certificate

Share Certificates Rates

Regular Share Certificate, IRA Share Certificate, and Youth Share Certificate rates effective December 2 through December 8, 2021

Term
Minimum Balance
Dividend Rate
Annual Percentage Yield
90 Days
$500
0.200%
0.200%
6 Months
$500
0.250%
0.250%
1 Year
$500
0.349%
0.350%
18 and 24 Months
$500
0.399%
0.400%
30/36/42 Months
$500
0.499%
0.500%
Long-Term 4-10 Year
$500
0.548%
0.550%
Jumbo 30 Days
$75,000
0.250%
0.250%
Jumbo 1 Year
$75,000
0.598%
0.600%

Get Started Today!

  • To open your share certificate, visit your nearest Summit branch or contact Member Services at (585) 453-7000 or (800) 836-7328.
  • For a full listing of share certificate rates, please see our Share Certificate Rate Schedule.
  • We also have a wide variety of IRAs and other Retirement & Investment Services. We offer many different options to help you reach your retirement goals or supplement other retirement plans. At The Summit, we’ve got you covered!
  • For a full listing of savings rates, see our Rate and Fee Schedule.

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. Not responsible for typographical errors. Fees may reduce earnings. Early withdrawal penalties may apply.