Summit Credit Union CD & Share Certificate Rates — October 2026
As of October 22, 2026, Summit Credit Union's highest tracked CD (share certificate) rate is 4.50% APY on a 16-month promotional CD ($5,000 minimum). That is 2.6 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 0.50% to 3.75% APY.
Tracking began .
Summit Credit Union CD & share certificate rates
Membership required. Rates are from the official deposit rate sheet, including Certificate Plus add-on certificates. See the source for minimum deposits and early withdrawal terms.
| Term | Product | APY |
|---|---|---|
| 3 months | Certificate | 2.50%Verified October 22, 2026 |
| 6 months | Certificate | 3.00%Verified October 22, 2026 |
| 6 months | Certificate Plus | 0.50%Verified October 22, 2026 |
| 7 months | Certificate - Special Promotional | 4.10%Verified October 22, 2026 |
| 9 months | Certificate | 3.25%Verified October 22, 2026 |
| 12 months | Certificate | 3.55%Verified October 22, 2026 |
| 12 months | Certificate Plus | 1.25%Verified October 22, 2026 |
| 16 months | Certificate - Special Promotional | 4.50%Verified October 22, 2026 |
| 18 months | Certificate | 3.55%Verified October 22, 2026 |
| 18 months | Certificate Plus | 1.25%Verified October 22, 2026 |
| 24 months | Certificate | 3.55%Verified October 22, 2026 |
| 24 months | Certificate Plus | 1.25%Verified October 22, 2026 |
| 36 months | Certificate | 3.65%Verified October 22, 2026 |
| 48 months | Certificate | 3.75%Verified October 22, 2026 |
| 60 months | Certificate | 3.75%Verified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
Watch the renewal rate
The best promotional rate here is 4.50% APY (16 months). The standard rate for a similar term is 3.55% APY (18 months). If the CD renews at the standard rate when it matures, $10,000 would earn about $95 less per year. Check the account terms and set a reminder before maturity.
What are Summit Credit Union's best CD rates by term?
Summit Credit Union's best rate is 4.50% APY on 16 months, verified October 22, 2026.
- 3 mo2.50%
- 6 mo3.00%
- 7 mo4.10%
- 9 mo3.25%
- 12 mo3.55%
- 16 mo4.50%
- 18 mo3.55%
- 24 mo3.55%
- 36 mo3.65%
- 48 mo3.75%
- 60 mo3.75%
How much interest could a Summit Credit Union CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 3 months | $30.882.50% APY · Certificate · Standard | $61.752.50% APY · Certificate · Standard | $154.382.50% APY · Certificate · Standard | $308.762.50% APY · Certificate · Standard |
| 6 months | $74.653.00% APY · Certificate · Standard | $149.303.00% APY · Certificate · Standard | $373.263.00% APY · Certificate · Standard | $746.513.00% APY · Certificate · Standard |
| 9 months | $121.503.25% APY · Certificate · Standard | $243.003.25% APY · Certificate · Standard | $607.493.25% APY · Certificate · Standard | $1,214.993.25% APY · Certificate · Standard |
| 12 months | $177.503.55% APY · Certificate · Standard | $355.003.55% APY · Certificate · Standard | $887.503.55% APY · Certificate · Standard | $1,775.003.55% APY · Certificate · Standard |
| 16 months | $302.444.50% APY · Certificate - Special · Promotional | $604.884.50% APY · Certificate - Special · Promotional | $1,512.214.50% APY · Certificate - Special · Promotional | $3,024.414.50% APY · Certificate - Special · Promotional |
| 18 months | $268.853.55% APY · Certificate · Standard | $537.703.55% APY · Certificate · Standard | $1,344.253.55% APY · Certificate · Standard | $2,688.513.55% APY · Certificate · Standard |
| 24 months | $361.303.55% APY · Certificate · Standard | $722.603.55% APY · Certificate · Standard | $1,806.513.55% APY · Certificate · Standard | $3,613.013.55% APY · Certificate · Standard |
| 60 months | $1,010.503.75% APY · Certificate · Standard | $2,021.003.75% APY · Certificate · Standard | $5,052.503.75% APY · Certificate · Standard | $10,104.993.75% APY · Certificate · Standard |
How Summit Credit Union compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 487-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 1 of 4 tracked institutions with fresh 487-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Quote coverage | APY | Verified / source date |
|---|---|---|---|---|---|
| Summit Credit Union (this institution) (highest tracked APY for this term)Certificate - Special · Promotional | 16 months | $5,000 | Coverage: WI | 4.50% | October 22, 2026 |
| Synchrony BankCD · Standard | 16 months | Not stated | Nationwide; check eligibility | 4.30% | October 22, 2026 |
| Treasury (APY-equivalent) | 16 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.67% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Summit Credit Union on October 22, 2026.
About Summit Credit Union
- Legal name
- Summit Credit Union
- Regulator ID
- NCUA 67190
- Headquarters
- Madison, WI
- Available in
- WI
- Total assets
- $8.5 billion
- Also known as
- Summit CU
- Website
- www.summitcreditunion.com
Source: rates read from https://ratescentral.summitcreditunion.com/api/deposits/DepositRatesSheet.pdf. See the page text we read.
Frequently asked questions
What is the highest CD rate at Summit Credit Union?
Among the rates we track, 4.50% APY on a 16-month promotional CD, as of October 22, 2026.
What is the minimum deposit for a Summit Credit Union CD?
The lowest minimum we found is $250; jumbo and higher balance tiers start at up to $5,000.
How does Summit Credit Union's best CD rate compare with Treasury yields?
4.50% APY is −0.17% versus the 16-month Treasury yield of 4.67% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.50% a good CD rate?
It is 2.6 times the FDIC national average for a similar term (1.76% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are Summit Credit Union CDs insured?
Summit Credit Union is a federally insured credit union (NCUA 67190). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.
What is a share certificate at Summit Credit Union?
A share certificate is the credit union equivalent of a bank CD: a term deposit that pays a stated yield when its conditions are met. Membership requirements, minimum deposits and early withdrawal terms depend on the credit union and product.
How often is this page updated?
We check Summit Credit Union's rate page every day. The rates above were last verified on October 22, 2026.
More credit union certificate rates
Rates are copied from Summit Credit Union's website and may change at any time. Confirm terms, minimums and eligibility with Summit Credit Union before opening an account. This page is not financial advice.