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You have dreams and stuff comes up unexpectedly. At Summit, we live for helping you make them happen and be ready for those rainy days. With a Summit Certificate, you can set money aside for your future.
  1. Save for a house

    Put money away for a down payment without being tempted to raid your account for other things. We’ll waive any early withdrawal penalties when you get a Summit home loan.*

  2. Save for retirement

    You always have the option to convert your certificate to an IRA.

  3. Save securely

    The NCUA insures savings and certificate deposits to at least $250,000.

Rate Riser Certificate

Today's interest rate is great, but what if tomorrow's is better? With the Rate Riser Certificate, you can increase your dividend rate once if interest rates go up during the 24-month term. 

  • Open your account with as little as $1,000
  • Get a one-time bump if rates go up during the certificate’s term
  • Available for a 24-month term

View rates.


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
  • Get started with as little as $500
  • Choose a 3- to 60-month term

View rates.


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
  • Choose the term that works for you - choose a 6-, 12-, 18- or 24-month term

View rates.


certificate interest rates

Rates Effective September 30, 2020
Open an Account
Type and Term Minimum Balance to Earn APY Dividend Rate Annual Percentage Yield
3 Months $500 0.15% 0.15%
6 Months $500 0.20% 0.20%
9 Months $500 0.25% 0.25%
12 Months $500 0.30% 0.30%
18 Months $500 0.40% 0.40%
24 Months $500 0.45% 0.45%
36 Months $500 0.50% 0.50%
48 Months $500 0.65% 0.65%
60 Months $500 0.90% 0.90%
6-Month Certificate Plus $250 0.15% 0.15%
12-Month Certificate Plus $250 0.25% 0.25%
18-Month Certificate Plus $250 0.35% 0.35%
24-Month Certificate Plus $250 0.40% 0.40%
24-Month Rate Riser2 $1000 0.35% 0.35%
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