summit-bracket2 bracket2 atm-outline location-pin-outline location-pin-filled atm-filled calendar2 bracket google-play[2] app-store summit-location-pin-lg code lock user worksheets phone print programs open pdf checkmark-form close-x close download checkmark-chart checklists blog-tools social-facebook social-google-plus social-pinterest social-twitter social-youtube ehl calendar calculators bracket22 checkmark email text-area-corner external-link success error information warning calendar-add-event auto-rates mortgage-rates home-equity new-certificates ncua summit-logo-itmoi arrow-left arrow-right checkmark2 summit-logo-white summit-bracket silhouette arrow-down arrow-up auto-rates2 blog calculators2 call ehl2 home-equity2 itmoi locate mortgage-rates2 new-certificates2 programs2 search summit-location-pin-sm tools clock

Introducing the Step Up Certificate

with a great rate that gets even better every 7 months.

You saved like a pro. Now's your chance to sit back and grow those savings.

The Step Up Certificate is one of the best savings options around, with a 21-month term and a rate that increases every 7 months — so you can make more and more and more of what you've already made.

Open an account   View Rates



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.
  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.

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


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


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


certificate interest rates

Rates Effective December 10, 2018
Open an Account
Type and Term Minimum Balance to Earn APY Dividend Rate Annual Percentage Yield
3 Months $500 0.40% 0.40%
6 Months $500 1.49% 1.50%
9 Months $500 0.55% 0.55%
12 Months $500 0.75% 0.75%
13-Month Special $500 1.98% 2.00%
13-Month IRA Special $500 1.98% 2.00%
18 Months $500 0.85% 0.85%
24 Months $500 1.05% 1.05%
27-Month Special $500 2.97% 3.00%
27-Month IRA Special1 $500 2.97% 3.00%
36 Months $500 1.25% 1.25%
48 Months $500 1.44% 1.45%
60 Months $500 2.13% 2.15%
6-Month Certificate Plus $250 0.15% 0.15%
12-Month Certificate Plus $250 0.50% 0.50%
18-Month Certificate Plus $250 0.60% 0.60%
24-Month Certificate Plus $250 0.80% 0.80%
24-Month Rate Riser2 $1000 0.80% 0.80%