NO "WHAT IFS" WITH A SUMMIT CERTIFICATE
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!
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Save for a house or other big plans
Put money away (without being tempted to dip into it) for things like buying a car, getting a degree or putting a down payment on a house. We’ll even waive early withdrawal penalties when you use the funds toward a Summit home loan – because being a homeowner builds your wealth too!
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Save for retirement
You always have the option to convert your certificate to an IRA – which may give you added tax benefits.
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Save securelyThe NCUA insures savings and certificate deposits to at least $250,000.
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
- Get started with as little as $500
- Choose a 3- to 60-month term
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
- Choose the term that works for you - choose a 6-, 12-, 18- or 24-month term
| Type and Term | Minimum Balance to Earn APY | Dividend Rate | Annual Percentage Yield | |
| 3 Months | $500 | 0.10% | 0.10% |
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| 6 Months | $500 | 0.20% | 0.20% |
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| 9 Months | $500 | 1.49% | 1.50% |
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| 12 Months | $500 | 0.30% | 0.30% |
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| 18 Months | $500 | 0.30% | 0.30% |
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| 24 Months | $500 | 0.40% | 0.40% |
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| 36 Months | $500 | 3.20% | 3.25% |
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| 22-Month Special* | $5000 | 2.96% | 3.00% |
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| 15-Month Special* | $5000 | 2.37% | 2.40% |
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| New Member 13-Month Special** | $2500 | 2.96% | 3.00% |
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| 48 Months | $500 | 0.55% | 0.55% |
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| 60 Months | $500 | 0.65% | 0.65% |
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| 6-Month Certificate Plus | $250 | 0.10% | 0.10% |
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| 12-Month Certificate Plus | $250 | 0.25% | 0.25% |
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| 18-Month Certificate Plus | $250 | 0.25% | 0.25% |
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| 24-Month Certificate Plus | $250 | 0.35% | 0.35% |
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How interest is calculated can have a great impact on the interest earned by your account and how your savings grow.
WHAT WILL MY SAVINGS BE WORTH?
Find out what your savings could be worth in the future.
Calculate exactly what it will take to reach your savings goal.
If you are already a saver, you might ask yourself the question "what if I save more"?
Find out if your savings plan could make you a millionaire.
Know what your financial needs are
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