RATES
Every published rate, on one page
Deposits, auto loans, mortgages, and personal credit. These are the same figures our branch staff quote, and they are reviewed every month by our asset and liability committee.
Deposits
Savings, checking, and certificates
Every deposit account is federally insured by NCUA and carries no monthly service fee.
Account
Rate
Minimum
Notes
High-Yield Savings
4.15% APY
$0
One rate on every dollar, compounds daily
Membership share savings
0.25% APY
$5
Holds your ownership share
Free Checking
0.05% APY
$0
No monthly fee at any balance
Money Market, $2,500 to $24,999
3.60% APY
$2,500
Six checks or drafts per month
Money Market, $25,000 to $99,999
3.85% APY
$25,000
Whole balance earns the tier rate
Money Market, $100,000 to $249,999
4.00% APY
$100,000
Whole balance earns the tier rate
Money Market, $250,000 and above
4.10% APY
$250,000
Top tier
Rates current as of July 2026 and subject to change. Membership eligibility required. This is a demonstration website; rates, products, and figures shown are illustrative only.
Certificates
Share certificate terms
Rates are fixed on the day you open the certificate and cannot be lowered during the term.
Term
APY
Minimum
Early withdrawal penalty
3 months
3.25% APY
$500
90 days of dividends
6 months
3.75% APY
$500
90 days of dividends
12 months
4.25% APY
$500
90 days of dividends
18 months
4.10% APY
$500
180 days of dividends
24 months
3.95% APY
$500
180 days of dividends
36 months
3.85% APY
$500
180 days of dividends
48 months
3.80% APY
$500
180 days of dividends
60 months
3.75% APY
$500
180 days of dividends
Autos
Auto and recreational vehicle loans
Rates shown are the best available and assume strong credit plus automatic payment from a Summit account.
Loan
APR from
Maximum term
Notes
New auto
4.09% APR
72 months
Up to 100% of purchase price plus tax and title
Used auto, 2022 and newer
4.59% APR
72 months
Up to 100% of retail value
Used auto, 2018 to 2021
5.29% APR
60 months
Up to 90% of retail value
Refinance from another lender
4.09% APR
72 months
No payment for the first 60 days
Motorcycle, boat, and RV
6.49% APR
120 months
Term depends on the amount financed
APR is the annual percentage rate. Your actual rate depends on credit history, term, model year, and amount financed. Rates current as of July 2026 and subject to change. This is a demonstration website; rates, products, and figures shown are illustrative only.
Mortgages
Home loans and home equity
We service most of the mortgages we write, so the person you call after closing still works here.
Program
Rate
Term
Notes
30-year fixed
6.375%
30 years
Rate and payment never change
15-year fixed
5.750%
15 years
Higher payment, far less total interest
5/1 adjustable rate
6.216%
30 years
Fixed for five years, then adjusts annually
Home equity line of credit
6.625%
10-year draw
Variable rate, no closing costs under $250,000
Fixed home equity loan
7.125%
15 years
One lump sum, fixed payment
Equal Housing Opportunity Lender. Rates assume a primary residence, strong credit, and a loan-to-value ratio of 80% or less. Rates current as of July 2026 and subject to change. This is a demonstration website; rates, products, and figures shown are illustrative only.
Personal credit
Personal loans and cards
Unsecured loans are decided by a person, not only by a score, and most applications get an answer the same day.
Loan
APR from
Maximum term
Amount
Personal loan
8.99% APR
60 months
$1,000 to $30,000
Debt consolidation
10.49% APR
60 months
Up to $40,000
Share-secured loan
3.00% APR
60 months
Up to your pledged balance
Credit builder loan
9.99% APR
24 months
$500 to $1,500
Visa Platinum credit card
12.99% APR
Revolving
Limit set at approval, no annual fee
Rates current as of July 2026 and subject to change. All loans subject to credit approval and membership eligibility. This is a demonstration website; rates, products, and figures shown are illustrative only.
Reading the tables
APR, APY, and why both exist
APY is what you earn
Annual percentage yield describes a deposit account and already includes the effect of compounding. Because our savings dividends compound daily, the 4.15% APY you see is what a balance actually grows by over a year if you leave it alone.
APR is what you pay
Annual percentage rate describes a loan and includes certain lender costs alongside the interest rate. When you compare an auto loan across institutions, compare APR to APR; a low advertised rate with fees attached can carry a higher APR than a plainer offer.
Why your quote may differ
Every loan rate on this page is the best available. The rate you are offered depends on your credit history, the term you choose, the age of the collateral, and whether you set up automatic payment from a Summit account. Deposit rates do not vary by member.
When these change
Deposit rates are reviewed monthly and any change takes effect on the first of the following month. Loan rates can move more often. Once a certificate is opened or a fixed-rate loan closes, that rate is locked for its full term regardless of what happens here.
Want one of these rates?
Membership starts at $5 and takes about eight minutes online.