COVID-19: PROTECTING MEMBERS AND EMPLOYEES

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Ongoing Updates

February 14th 11:14 am:

Branch Services

Effective Monday, February 14: Governor Kathy Hochul announced the lift of the statewide masking mandate for all of New York State. To protect our community, all branch location staff will continue to wear a mask regardless of vaccination status. We strongly recommend members wear a mask when at a branch.

December 10th 2:00 pm:

Branch Services

Effective Monday, December 13: Governor Kathy Hochul announced a statewide masking mandate for all of New York State. All branch locations will require masking regardless of vaccination status.

November 23rd 11:11 am:

Branch Services

Effective Tuesday, November 23: A mask mandate has been put into place this morning in Erie County. Both our branches in Buffalo are located in Erie County and will be following the mandate. Summit employees will continue to wear masks as a safety precaution. You can find more details on the guidelines of the mandate here.

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* The Summit is providing this information as a benefit to members. The Summit does not endorse the listed SBA lender and will not be responsible for fulfillment of any services or products requested or obtained from the SBA lender. You understand and agree that the Paycheck Protection Program continues to involve uncertainty regarding program eligibility and requirements. You further understand and agree that any application you submit will be provided directly through the specific SBA lender and will not be processed, serviced, or otherwise involve The Summit FCU. By reviewing this information, you agree all aspects of any loan application request will be between you and the SBA lender and The Summit FCU is unable to assist and that any delay, disruption, or other issues will need to be addressed solely between you, the SBA lender, and the Small Business Administration.

1. The Emergency Personal Loan is a Personal Loan of up to $1,000 with a term of 9 months (6 payments plus 3 months of deferred payments) at a rate as low as 1.00% Annual Percentage Rate (APR). The stated APR is the lowest available. First payment is deferred for 3 months. Payment example: A personal loan of $1,000 for 9 months at 1.00% APR will have a 6 monthly payments of $167.44 after the 3 month deferral period. Your monthly payment would be lower if you do not defer the first payment. Payment example: If you deferred the first payment for three months, a personal loan of $1,000 for 9 months at 1.00% APR will have $0 monthly payments for the first three months followed by six monthly payments of $167.44. APR may vary depending on each individual’s credit history and underwriting factors. APRs range from 1.00% to 7.25%. Summit’s loan programs, rates, terms and conditions are subject to change without notice. 2. Visa Skip A Payment offer available for eligible credit card accounts only. By accepting these offers, you will not be required to make a Minimum Payment. However, interest charges will continue to accrue at the disclosed rate(s) and you will pay more total interest. You can decline to accept our offer by making your normal Minimum Payment or a payment of any amount. If you have automatic payments set up, it is your responsibility to cancel those payments. Accepting this offer may result in the loss of the grace period for your account. For example, if you usually pay your balance in full each month but do not make a Minimum Payment this month, interest charges will accrue on your purchases from the transaction date.

2. Member eligibility required.  Loans are subject to credit approval and certain limitations may apply. The Member Assistance Loan is a Personal Loan of up to $3,000 with a term up to 36 months (plus 6 months of deferred payments) at a rate as low as 3.00% Annual Percentage Rate (APR). The stated APR is the lowest available. Payment example: If you deferred the first payment for six months, a personal loan of $1,000 for 36 months at 3.00% APR will have $0 monthly payments for the first six months followed by 36 monthly payments of $29.46. Your monthly payment would be lower if you do not defer the first 6 payments.  Payment example: A personal loan of $1,000 for 36 months (without 6 months of deferred payments) at 3.00% APR will have a 36 monthly payments of $29.09 . APR may vary depending on each individual’s credit history and underwriting factors. APRs range from 3.00% to 9.25%. Summit’s loan programs, rates, terms and conditions are subject to change without notice.