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Certificates

With great rates, a Summit Certificate lets you build your wealth and get added security. Feel less tempted to dip into your savings and more confident you’ll reach your goal, whether that’s saving for your honeymoon or living comfortably in retirement.

Get Guaranteed Growth and More with a Summit Certificate

Choose a term from three to 60 months and watch your savings grow – no questions asked! Plus, get a higher rate (that means more returns) while knowing your savings are backed by NCUA insurance up to $250,000.

Want to use your savings to reach your other goals? Save with no early withdrawal fee when you put your funds toward a Summit Mortgage. You can also start your Certificate as an IRA or transfer later, penalty-free.

And if you want to add to your Certificate over time, we’ve got options for that too.


Regular Certificate

Whether you’re saving for a goal for three months or five years, this flexible option lets you choose a term that works for you while you watch your savings grow.

  • Minimum balance to open is $500
  • Maximize your interest-making potential with a single, larger deposit
  • Choose a 3- to 60-month term to grow your savings
  • Build wealth without worrying about market ups and downs

Open an AccountMeet With Us

Certificate Interest Rates

Type and Term Minimum Balance to Earn APY Dividend Rate Annual Percentage Yield
13-Month Special* $5,000 4.65% 4.75%
36 Months $500 3.93% 4.00%
60 Months $500 2.77% 2.80%
48 Months $500 2.18% 2.20%
24 Months $500 1.98% 2.00%
18 Months $500 1.39% 1.40%
12 Months $500 1.39% 1.40%
9 Months $500 1.39% 1.40%
6 Months $500 1.00% 1.00%
3 Months $500 0.60% 0.60%

Certificate Plus

A Certificate Plus lets you earn interest while still having the flexibility to make deposits that get you even closer to your goal.

  • Minimum balance to open is $250
  • Add up to $10,000 more during your term
  • Choose from 6-, 12-, 18- or 24-month terms

Open an AccountMeet With Us


Certificate Plus Interest Rates

Type and Term Minimum Balance to Earn APY Dividend Rate Annual Percentage Yield
24-Month Certificate Plus $250 1.49% 1.50%
18-Month Certificate Plus $250 0.90% 0.90%
12-Month Certificate Plus $250 0.90% 0.90%
6-Month Certificate Plus $250 0.50% 0.50%

Opening Your Certificate Is Just the Beginning

Whatever goal you’re trying to achieve, from safely building your wealth with guaranteed growth to investing in your IRA, our team will connect you with the tools that will work best for your lifestyle – and even help make plans for what’s next.

Reach Your Savings Goals with the Right Account

Money Market Accounts
Access Your Savings with a Higher Rate

Get uninterrupted access and no locked-in term. Plus, watch your rate grow the more you save!

Investments
Meet Future Needs with a Personalized Strategy

With the right strategy and portfolio, investing is anything but a game. Meet with our expert financial planners to choose an investment option you feel confident in.

Savings Account
Get Ready to Build Smart Money Habits

Put your money to work with a specific account for each goal – from buying a new computer to saving for vacation or affording healthcare costs.