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Certificates

You’re guaranteed to earn more for your money – and it’s safe! Talk with us because a Summit certificate could be just the thing for your goals, especially if that includes owning a home. Wealth building all around!

Certificate Specials - Perfect Time to Invest

3.40% APY* (15-Month) or 3.50% APY* (22-Month)

Among the highest interest rates in our area! With our certificates, you're guaranteed to get more for your money – and goals.

Open a Certificate Special Today

Get Peace of Mind & Guaranteed Growth With a Summit Certificate

The safest place to grow your money. Make a deposit without being tempted to dip into it with a Summit Certificate. Plus, know your hard-earned savings are in good hands with NCUA insurance to at least $250,000. We’re here to help make your big goals happen, whether that’s owning a home, saving for retirement or building wealth. That's why there’s no early withdrawal fee if you move your money to a Summit IRA or Mortgage.


Regular Certificate

A certificate is a simple, secure way to invest your money.

  • You make a single deposit, and the longer the term, the higher the dividend rate (in most cases)
  • Get started with as little as $500
  • Choose a 3- to 60-month term

View Rates

Open an AccountMeet With Us


Certificate Plus

Want the flexibility to add to your certificate over time? This is a good certificate option for you.

  • Start with as little as $250 - add up to $10,000 more over the life of the certificate
  • Select the term that works for you - choose a 6-, 12-, 18- or 24-month term

View Rates

Open an AccountMeet With Us


Certificate Interest Rates

Type and Term Minimum Balance to Earn APY Dividend Rate Annual Percentage Yield
22-Month Special* $5,000 3.45% 3.50%
New Member 13-Month Special** $2,500 3.35% 3.40%
3 Months $500 0.10% 0.10%
6 Months $500 0.20% 0.20%
9 Months $500 2.91% 2.95%
12 Months $500 0.30% 0.30%
18 Months $500 0.30% 0.30%
24 Months $500 0.40% 0.40%
36 Months $500 3.69% 3.75%
15-Month Special* $5,000 3.35% 3.40%
48 Months $500 0.55% 0.55%
60 Months $500 0.65% 0.65%
6-Month Certificate Plus $250 0.10% 0.10%
12-Month Certificate Plus $250 0.25% 0.25%
18-Month Certificate Plus $250 0.25% 0.25%
24-Month Certificate Plus $250 0.35% 0.35%