Share Certificates

Image: Decorative graphic for 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 May 17 through May 23, 2018
TermMinimum BalanceDividend RateAnnual Percentage Yield
90 Days$5000.499%0.500%
6 Months$5000.747%0.750%
1 Year$5001.489%1.500%
18 and 24 Months$5001.735%1.750%
30/36/42 Months$5001.784%1.800%
Long-Term 4-10 Year$5002.469%2.500%
13 Months Special Promotion$10,0001.980%2.000%
Jumbo 30 Days$75,0000.648%0.650%
Jumbo 1 Year$75,0001.735%1.750%
Jumbo 13 Months Special Promotion$75,0002.225%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.