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Whatever your financial goals are, we have a wide range of products and services to help you get there.

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Products & Services We Know You’ll Love

When it comes to banking, we’re all in it together. Become a member today to enjoy these products and more.

Debit card with checking account

Choose from our variety of debit card and checking account options and enjoy the convenience of banking with The Summit.

See All Checking Accounts

Automatically save as you spend with RoundUp

Make saving automatic when you activate your RoundUp Savings account and use your Summit Visa^® Debit Card for everyday purchases! Plus, earn up to $75 in milestone bonuses!¹

Unlock Your Savings

Bank from anywhere

Bank from anywhere with the Virtual Branch. Meet with a Summit Relationship Specialist on Zoom to open an account or get answers on your financial questions.

Check It Out

Above average savings

Whether you’re saving for a home, planning a vacation, looking ahead to retirement, or simply stashing your cash, The Summit has a savings solution that will work for you.

Start Saving Today

Competitive share certificate rates

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

See Today’s Rates

Low rate credit cards

Welcomed at millions of locations, our Visa^® Credit Cards have competitive low rates and no balance transfer fees.²

Explore Card Options

Plus, all accounts also come with…

Online/Mobile Banking

Access your account wherever you are.

Check your balances, set low balance alerts, set up scheduled transfers, deposit checks, chat, and send secure messages to a Member Service Specialist in your online access and mobile banking accounts.³

24/7 Account Access

Life happens… often outside of standard business hours.

That’s why we give you 24/7 access to your accounts through a vast network of Summit and surcharge-free partner network ATMs.

Local Service, National Convenience

Get the best of both worlds.

In addition to local branches in Western and Central New York, if you’re traveling, you can visit any of 5,600 CO-OP Shared Branches nationwide just like you were at a Summit branch.

Become a Member

Find tips and articles on everything money related

For a Better Life, Boost Your Financial Knowledge

Our President and CEO, Laurie Baker, talks about how financial education affects our lives, and how The Summit can help.

Secured Credit Cards 101

Secured credit cards are credit cards for which those with poor or limited credit history can qualify and begin building their credit. They are a wonderful option for people who have never had a credit card before, or who may not qualify for traditional credit cards because they don’t have a long credit history.

How to Stay Safe Using Digital Payment Apps

There’s no doubt, the convenience of using cash apps to pay family and friends cannot be underestimated. According to a survey by SMS marketing platform, SimpleTexting, 6 in 10 people prefer to use apps, compared to 8% who like to pay in cash. As with any online account, it’s important to stay safe to avoid scams and minimize fees. Here are some tips:

Download Our Apps

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FEDERALLY INSURED BY NCUA. Membership eligibility required.

1. Earn up to two special one-time bonuses totaling $75.00 that The Summit will deposit into your RoundUp Savings when your RoundUp Savings account reaches a balance of $250 ($25 bonus) and $500 ($50 bonus). The APY is 0.200% as of 8/1/2023 and is subject to change at any time. Please refer to the RoundUp Savings account Terms and Conditions at summitfcu.org/roundup-terms.

2. Our Cash Advance Fee is 2% of the cash advance amount and our Foreign Transaction Fee is 1% of the transaction amount in U.S. dollars.

3. Mobile Banking is a free service available only with a Summit FCU Account. Your mobile carrier’s text messaging and data charges may apply.