Share Certificates
Lock In a Great Rate
A Share Certificate is a fantastic way to save with flexible terms.
Open your Share Certificate with as little as $500 ($50 for Youth Accounts).
Earn competitive yields based on the term you choose.
Flexible terms ranging from 90 days to 10 years.
Fixed rate across entire Share Certificate term.
Open a Jumbo Share Certificate with $75,000+ to earn the highest yields with terms from 30 days to 42 months.
Members under 18 years old can open a Youth Share Certificate with a parent or guardian for as little as $50 and enjoy the same yields and terms as a regular Share Certificate.
Share Certificates Rates
Rates effective August 16 through August 22, 2018| Term | Minimum Balance | Dividend Rate | Annual Percentage Yield |
|---|---|---|---|
| 90 Days | $500 | 0.747% | 0.750% |
| 6 Months | $500 | 0.846% | 0.850% |
| 1 Year | $500 | 1.489% | 1.500% |
| 18 and 24 Months | $500 | 1.980% | 2.000% |
| 30/36/42 Months | $500 | 2.078% | 2.100% |
| Long-Term 4-10 Year | $500 | 2.567% | 2.600% |
| Jumbo 30 Days | $75,000 | 0.797% | 0.800% |
| Jumbo 1 Year | $75,000 | 1.735% | 1.750% |
Get Started Today!
To open your share certificate, visit your nearest Summit branch or contact Member Services at (585) 453-7030 or (800) 836-7328 extension 7030.
For a full listing of share certificate rates, please see our Share Certificate Rate Schedule.
We also have a wide variety of IRAs and other Retirement & Investment Services. We offer many different options to help you reach your retirement goals or supplement other retirement plans. At The Summit, we’ve got you covered!
For a full listing of savings rates, see our Rate and Fee Schedule.
Rates are subject to change at any time. Minimum balance to open certificate and earn Annual Percentage Yield is $500 or $50 for members under 18. Not responsible for typographical errors. Fees may reduce earnings. Early withdrawal penalties may apply.
