Your neighborhood credit union

Checking that pays you back

No monthly fee, no minimum balance, and your paycheck landing up to two days early.

Open an Account

Paid up to two
days early

No monthly fee,
ever

See Why We're

The Region's Favorite Credit Union

Bank better with Summit

Member-owned means every product is priced for you, not for shareholders. Here is what members get that customers of the big banks do not.

Save $10,000 Summit Home Premium financing without the premium cost

5X points Platinum Rewards Visa Fuel up. Charge up. Earn more.

No fees Free Checking Avoid overdraft surprises

From 8.99% Personal Loans Fund the moment that matters

Check out our great rates

Putting your goals within reach with low-interest lending priced for members, not for shareholders.

New Auto 4.09% APR Rates as low as Summit FCU 4.09% APR National average 6.84% APR Learn More

Mortgage 6.375% APR 30-year fixed, as low as Summit FCU 6.375% APR National average 6.98% APR Learn More

Home Equity 6.625% APR Variable line, as low as Summit FCU 6.625% APR National average 8.21% APR Learn More

Rates current as of July 2026 and subject to change. APR = Annual Percentage Rate. This is a demonstration website; figures shown are illustrative only.

Banking at your fingertips

Everything a branch visit used to take, done from the sofa. The Summit app is free with every account and works the same on any device.

Deposit a check in seconds Snap the front and back and the funds are on their way. No envelope, no drive.

Send money to anyone Pay a friend, split a bill or move money between institutions without a fee.

Freeze your card instantly Misplaced your debit card? Lock it from the app and unlock it when it turns up.

See where the money went Spending is sorted into categories automatically, with alerts you set yourself.

Explore the app Online banking

Good morning, Alex

Free Checking ••4417 $4,286.19

Direct deposit +$2,140.00

Auto loan payment −$312.44

Round-up to savings +$18.65

Summit Rewards Visa −$64.10

Deposited $1,250.00 Card locked Tap to unlock

Membership is the whole point

Summit has no shareholders. Every dollar the credit union earns goes back to members as better rates, lower fees and longer hours. If you live, work, worship or study in the region, you already qualify.

Become a member Check eligibility

Better than just banking

The parts of Summit that do not show up on a rate sheet, and that members tell us they notice most.

Free financial coaching Sit down with a certified counsellor and build a plan for debt, a first home or retirement. Members pay nothing, ever. Book a session

30,000 surcharge-free ATMs Our branches are local, but your cash is not. The CO-OP network gives you more fee-free machines than the largest national banks. Find one near you

Rooted in the neighbourhood Scholarships, shred days, school supply drives and volunteer hours from people who bank where they live. See what we are up to

What members actually say

Unedited, apart from the surnames. These are the reasons people move their money here and then stay for decades.

The auto rate came in almost three points under what the dealer offered, and the whole thing was signed on my phone before lunch. I have told four people at work. MR Marisol R. Member since 2019

I called about an overdraft I caused myself and a person answered on the second ring. She reversed it and then walked me through setting up an alert so it would not happen again. DT Darren T. Member since 2014

We were first-time buyers and asked a truly embarrassing number of questions. Nobody once made us feel like we were wasting their time. We closed eleven days early. JP Joanna P. Member since 2021

My small business account at the big bank cost me about forty dollars a month in fees I could not explain. Here it costs nothing and the treasury team knows my name. AK Amit K. Business member since 2017

The free coaching sessions got us out of eighteen thousand in card debt in under three years. That is not a bank product, that is somebody caring whether you make it. LH Lena H. Member since 2011

Ready to bank somewhere that answers to you?

Opening an account takes about eight minutes and five dollars. That five dollars is your share of the credit union, and you keep it.

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Federally insured by NCUA. Equal Housing Opportunity. NMLS #401948.

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