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Summit Federal Credit Union
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Summit Auto
Pre-qualify in about two minutes with no impact to your credit score, then shop with a real budget in hand.
Get StartedSummit Checking
No monthly fee, no minimum balance, and your paycheck landing up to two days early.
Open an AccountPlatinum Rewards Visa
Earn 5X points on gas and EV charging, 3X on groceries, and never pay an annual fee.
Apply NowSummit Home
Local underwriting, no lender origination fee, and a rate you can lock in for a full 90 days.
See Mortgage RatesHome Equity
Borrow up to 90% of your home's value for the renovation you keep putting off.
Check Your EquityPersonal Loans
Fixed rates from 8.99% APR, no origination fee, and funds in your account as soon as tomorrow.
Check Your RateBranches and ATMs
42 branches and 85,000 surcharge-free ATMs, plus advisors who pick up in under two minutes.
Find a LocationSummit Wealth
Retirement, education, and estate planning from fiduciary advisors who answer to members.
Book a ConsultationPutting your goals within reach. Take advantage of our low-interest lending and experience the difference member-focused banking makes.
New Auto
Rates as low as
30-Year Fixed Mortgage
Rates as low as
Home Equity Line
Rates as low as
Member-owned means every product is priced for you, not for shareholders. Here is what members are opening this month.
Summit Home
Mortgage rates priced up to $10,000 lower over the life of the loan than the nation's largest lender.
Get Started
Platinum Rewards Visa
Earn 5X points on gas and EV charging, 3X on groceries, and never pay an annual fee.
Apply Now
Free Checking
Link your savings for automatic overdraft protection, and get paid up to two days early.
Learn More
Personal Loans
Fixed rates from 8.99% APR, no origination fee, and funds in your account as soon as tomorrow.
Check Your Rate
Financial Tools
Your free toolkit for credit monitoring, score simulation, and personalized guidance.
Get Started
Summit began when seven schoolteachers pooled $35 into a shared fund so their colleagues could borrow without turning to predatory lenders. That founding idea — neighbors lending to neighbors — still sets every rate we publish today.
Nineteen years of kitchen-table meetings gave way to a real branch on Third Street. Members could finally walk in, shake a hand, and leave the same afternoon with an account and a passbook.
The charter widened so spouses, children, and grandchildren could join. Membership stopped being something you simply had and became something you handed down.
We opened membership to service members, veterans, and their families, then rebuilt our lending around the way they actually live — deployment timelines, PCS moves, and pay that arrives on a military schedule.
Mobile deposit, instant card freeze, and same-day funding arrived — all of it still backed by local underwriters who pick up the phone and make the call themselves.
Membership opened to anyone willing to put $5 into a share account. The cooperative that started with seven people became one that almost anybody could own a piece of.
Member-owned, federally insured, and still not-for-profit. Every dollar we do not owe a shareholder goes back where it started — into better rates, lower fees, and the neighborhoods our members live in.
Why Summit
Summit is one of the nation's leading federal credit unions. We answer to our members rather than to investors, which means earnings come back to you as higher deposit yields, lower loan rates, and fewer fees.
Every deposit is backed by the NCUA, the same protection standard as FDIC coverage at a bank.
No shareholders taking a cut. Profits return to members through better pricing across every product.
Consistently among the strongest yields on savings and the lowest APRs on auto and home lending.
Talk to a person in under two minutes, seven days a week, at a branch or on the phone.
Open a share account with a $5 deposit and you are an owner — with access to every rate, product, and branch we offer.
Rate alerts, financial education, and exclusive promotions — delivered monthly. Your information stays with us, and you can unsubscribe anytime.
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