From everyday spending to taking out loans, where you bank is a big deal.

Join The Summit Federal Credit Union Today

We’re so excited you want to open an account! Plus, now you can show your Red Dragon pride every time you pay, with our exclusive SUNY Cortland debit card designs. When selecting Eligibility, choose “…attend school”, then select “SUNY Cortland Students”.

Check out The Summit’s new Virtual Branch

Making banking easier wherever you are!

The Summit’s new Virtual Branch is a full-service branch you step into from your mobile or electronic device. Meet with a real live Summit Relationship Specialist for help with just about anything financial. You get the personal, local service we’re known for with the convenience of being anywhere!

Show your Red Dragon pride every time you pay with the SUNY Cortland debit card.

Now Available!

Benefits of Joining The Summit

When it comes to banking, we’re all in it together. Establish an account today, and get these benefits and more.

Free Student Banking

There are no monthly Account Maintenance Fees for students age 22 and under1.

Local Branch Location

Branch located at 877 Route 13 in Cortland

Shared Branching

You can visit any of 5,600 CO-OP Shared Branches nationwide just like you were at a Summit branch.

Digital Spend Accounts

Simple and seamless all-digital checking and debit card solutions designed for on-the-go mobile users, with powerful features such as debit card with rewards, Online Bill Pay, digital wallets and Mobile Check Deposit.

Digital Edge (for ages 16-26)

An all-digital checking and debit card account for students and young adults 16-26. Enjoy no minimum balance, no account maintenance fee, and a special overdraft program to help with account management 1.

Digital Freedom (for ages 27+)

The perfect paperless digital checking and debit card account for ages 27+. Transactions can be made in a few clicks on a mobile device, anytime and anywhere.

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Enter Your Information to Get Started

      1. Digital Edge Spend Account: Members with a Digital Edge Spend Account will be exempt from the following fees:
        • Account Maintenance Fee
        • Share-to-Share Overdraft Transfer Fee
        • Courtesy Pay Fees and Courtesy Pay Select Fees if the available balance at the time the transaction posts is less than negative $20 (-$20)*
        • First box of personal checks upon account opening

      To be eligible for the fee exemptions above, a member with a Digital Edge Spend Account must be less than 27 years of age, enrolled in Electronic Statements, enrolled in Mobile or Online Banking, and must have an Active Debit Card (defined as performing a minimum of ten (10) Debit Card transactions posted during the month on the Digital Edge Spend Account). Members that no longer qualify for the Digital Edge Spend Account will be converted to the Enhanced Checking account (if under 27) or the Digital Freedom Spend Account (when turning 27) and no longer qualify for these fee exemptions. In order to open and maintain a Digital Freedom Spend Account at The Summit the following is required: The primary account holder must be 27 years of age or older, enrolled in E-statement (electronic) delivery, enrolled in Mobile or Online Banking Services, and must perform a minimum of ten (10) Debit Card transactions that post each month on the Digital Freedom Spend Account. If these requirements are not maintained, the account will automatically convert to an Enhanced Checking account after 90 days.

      Account maintenance fee of $5.95 per month waved for members 22 years of age and younger. For members over 22, other fee exemptions may be available. Please contact us for more information.  2. Summit Mobile Banking is available only with a Summit FCU Account. To use Mobile Banking you are required to subscribe to a data plan thought your wireless provider. Check your plan or contact your wireless provider if you aren’t sure whether additional fees might apply. The Summit does not charge a fee for Mobile Check Deposit. You must first be enrolled in Mobile Banking to use Mobile Check Deposit. Mobile Check Deposits are subject to verification and not available for immediate withdrawal. Deposit limits and other restrictions apply. For more information please view the Mobile Check Deposit Disclosure and Agreement. 3. Apple, the Apple logo, Apple Wallet, iPad, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay, Touch ID, and Face ID are trademarks of Apple Inc. View the Apple Pay Terms and Conditions.