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

Regular Share Certificate, IRA Share Certificate, and Youth Share Certificate rates effective June 20 through June 26, 2019

Term
Minimum Balance
Dividend Rate
Annual Percentage Yield
90 Days
$500
0.648%
0.650%
6 Months
$500
1.143%
1.150%
1 Year
$500
2.225%
2.250%
18 and 24 Months
$500
2.567%
2.600%
30/36/42 Months
$500
2.616%
2.650%
Long-Term 4-10 Year
$500
2.762%
2.800%
Jumbo 30 Days
$75,000
0.896%
0.900%
Jumbo 1 Year
$75,000
2.225%
2.250%

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.