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3.95%
Introductory rate HELOC for 6 months on all line limits1


5.95%
5-year fixed rate loan with automatic payment2


6.95%
on 12-month term personal loans3


Earn $300
when you refinance your student loans4

See why members love their loan experience with us
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THE SUMMIT IS AN EQUAL HOUSING LENDER. Membership eligibility required. Subject to change without notice.
- As of 9/1/25, the as low as APR was 7.25% available for line limits over $50,000, 7.50% for line limits between $15,000 and $50,000, and 7.75% for line limits of $15,000 or less. The introductory APR during the first 6 months after the open date is not based on the index and margin used to make later adjustments. After the introductory rate expires, account subject to a variable rate based on the highest Prime Rate as published in the Wall Street Journal’s Money Rates Section. As of 9/1/25, fully-indexed APR was 7.25%, based on a Prime Rate of 7.50% minus 0.25% on line limits over $50,000. Thereafter, variable rate subject to change based on the highest Prime Rate and a margin of minus 0.25% to plus 0.25% depending on line limit. Maximum 18% APR. Loans subject to credit approval. Certain limitations may apply. For what is covered in closing costs (when applicable), please visit summitfcu.org/MyEquity. Closing costs estimated to range from $495 to $1,500 (usually 3.0% to 5.0% of the amount borrowed). Property insurance required. If you opt not to pay the closing costs associated with your home equity line of credit (HELOC), you must reimburse us for all costs we paid to third parties to open your HELOC unless you keep account open for at least 3 years from the HELOC open date.
- Rate shown in effect 9/1/25 through 10/31/25. Home Equity Fixed Loan (HELOAN) is a Fixed Personal Loan with a term of 5 years at 5.95% Annual Percentage Rate (APR) with no closing costs. For example, a HELOAN of $10,000 for 5 years at 5.95% APR will have a monthly payment of $193.10. Loans subject to credit approval. Certain limitations may apply. For what is covered in closing costs (when applicable), please visit summitfcu.org/MyEquity. Closing costs are usually estimated to range from $495 to $1,500 (usually 3.0% to 5.0% of the amount borrowed). Property insurance required. If you opt not to pay the closing costs associated with your HELOAN, you must reimburse us for all costs we paid to third parties to open your HELOAN unless you keep account open for at least 3 years from the HELOAN open date.
- Loans are subject to credit approval and certain limitations may apply. Rate shown in effect 9/1/25 through 10/31/25. This is a Personal Loan with a term of 12 months at 6.95% Annual Percentage Rate (APR). For example: A personal loan of $1,000 for 12 months at 6.95% APR will have a monthly payment of $86.50. APR may vary depending on each individual’s credit history and underwriting factors. The stated APR is the lowest available and includes a discount for automatic payment. The Summit’s loan programs, rates, terms and conditions are subject to change without notice.
- Limited time offer. To qualify, the loan application must be started before 12/31/2025. Upon approval and disbursement of your refinance loan, the primary borrower will receive a cash deposit of $300. The cash deposit will be awarded in the form of a deposit to your credit union checking or savings account within 90 business days from the funding date of the loan. The primary borrower must be a credit union member in good standing at the time of deposit. Limit one cash award per borrower. The credit union reserves the right to modify the terms of this offer at any point in the future for new applications. Recipient is responsible for any applicable federal, state, or local taxes associated with receiving the cash deposit; consult your tax advisor to determine applicable tax consequences. Subject to credit qualification and additional criteria, including graduating from an approved school. By refinancing federal student loans, you may lose certain borrower benefits from your original loans, including interest rate discounts, principal rebates, or some cancellation benefits that can significantly reduce the cost of repaying your loans. It is important to remember that if you refinance some or all of your federal student loans into a private student loan with the credit union, you will lose access to any current or future federal student loan benefits, such as potential debt cancellation or income-driven repayment options. For more information, visit studentaid.gov or contact your federal student loan servicer.