Why Join The Summit?

Credit Unions are Different Than Banks

Credit Unions are not-for-profit financial institutions owned by their members (like you), while banks are for-profit corporations.

Banks make money for shareholders

At a bank, your transactions are structured to make a profit for investors and stakeholders.

Credit unions make money for our members (you)

At a Credit Union, profit is returned to members as better rates, fewer fees and enhanced technology, and helps the credit union stay fiscally healthy for members’ benefit.

Our focus is to provide for our members

At The Summit, your money works harder for you so you reach your goals faster. Our dedication to serving you and your needs is also why we offer so much financial education, and why we’re known for exceptional member service.

Our Promise to our Members

We promise to:

  • Provide superior service and competitive rates
  • Treat your records and transactions like our own
  • Be respectful and courteous
  • Give a timely response to requests, inquiries or suggestions

Member Conduct Policy

The Summit Federal Credit Union has adopted the following policy that applies to member conduct. This policy protects The Summit‘s members, visitors, employees and property from individuals who are or may be threatening or abusive. The policy speaks to ensure that all parties’ rights are protected.

Unacceptable member conduct or behavior may include but is not limited to:

  • Abusive, vulgar or intimidating language
  • Threats, intimidation or acts of violence
  • Harassment of any type, including sexual harassment
  • Damage to or interference with The Summit’s property or systems
  • Unlawful acts
  • Abusive contact of any sort
  • Other abusive or disruptive behavior
  • Injury or threatened injury to any member, visitor or employee (kicking, fighting or other harm)
  • Possession, sale, use or being under the influence of an unlawful or unauthorized substance while on The Summit’s property

The following sanctions may be imposed against a member who has engaged in misconduct:

  • Denial of any and all member privileges with the exception of maintaining a regular share account and the right to vote at annual meetings. Privileges are defined as Summit products, services, loans, access devices, branch service, etc. other than maintenance of regular share savings accounts
  • Preclusion from any personal contact with Summit FCU employees including access to credit union premises or member services
  • Any other action deemed necessary that is not expressly precluded by the Federal Credit Union Act, the National Credit Union Administration and New York State’s Workplace Violence Protection Law

We partner with you and your community

Security is job one

Keeping your money safe is our top priority at The Summit. Using the latest fraud protection technology, we monitor member accounts for suspicious activity. Members can also take advantage of our powerful tools for debit and credit card controls, alerts, transaction limits and more. 

We invest in the best technology

The Summit uses the latest financial services technology for what people need today. Our Online and Mobile Banking and advanced ATMs give you 24/7 secure access to your accounts. And we are constantly upgrading our branches, ATMs and services to be safe, convenient and hassle-free.

Local service with national convenience

You get the best of both worlds. We’re local to Western and Central New York, but members also have access to our national network of 5,000 CO-OPSM shared branches and 55,000 surcharge-free ATMs.

Giving back is part of our culture

We believe that a big part of serving members is to support the communities in which they live and work. We are proud to give back to those local organizations that strengthen our region.

Joining The Summit is easy

We only require a $5.00 deposit to become a member of The Summit and start taking advantage of all that we offer. Learn more about The Summit’s membership benefits.