# Summit Credit Union CD and share certificate rates

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.

Canonical page: https://apyledger.com/cd-rates/summit-credit-union
Institution: Summit Credit Union (NCUA 67190)
Aliases: Summit CU
Status: live
Last verified: 2026-10-22T13:07:25.000Z (October 22, 2026)
Official source: https://ratescentral.summitcreditunion.com/api/deposits/DepositRatesSheet.pdf
Coverage: 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.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Certificate | standard | 3 months | $500 | 2.50% | Not ZIP-priced | −1.79% | 2026-10-22T13:07:25.000Z | [Snapshot 270](https://apyledger.com/snapshots/270) |
| Certificate | standard | 6 months | $500 | 3.00% | Not ZIP-priced | −1.40% | 2026-10-22T13:07:25.000Z | [Snapshot 270](https://apyledger.com/snapshots/270) |
| Certificate Plus | standard | 6 months | $250 | 0.50% | Not ZIP-priced | −3.90% | 2026-10-22T13:07:25.000Z | [Snapshot 270](https://apyledger.com/snapshots/270) |
| Certificate - Special | promotional | 7 months | $5,000 | 4.10% | Not ZIP-priced | −0.33% | 2026-10-22T13:07:25.000Z | [Snapshot 270](https://apyledger.com/snapshots/270) |
| Certificate | standard | 9 months | $500 | 3.25% | Not ZIP-priced | −1.23% | 2026-10-22T13:07:25.000Z | [Snapshot 270](https://apyledger.com/snapshots/270) |
| Certificate | standard | 12 months | $500 | 3.55% | Not ZIP-priced | −1.02% | 2026-10-22T13:07:25.000Z | [Snapshot 270](https://apyledger.com/snapshots/270) |
| Certificate Plus | standard | 12 months | $250 | 1.25% | Not ZIP-priced | −3.32% | 2026-10-22T13:07:25.000Z | [Snapshot 270](https://apyledger.com/snapshots/270) |
| Certificate - Special | promotional | 16 months | $5,000 | 4.50% | Not ZIP-priced | −0.17% | 2026-10-22T13:07:25.000Z | [Snapshot 270](https://apyledger.com/snapshots/270) |
| Certificate | standard | 18 months | $500 | 3.55% | Not ZIP-priced | −1.17% | 2026-10-22T13:07:25.000Z | [Snapshot 270](https://apyledger.com/snapshots/270) |
| Certificate Plus | standard | 18 months | $250 | 1.25% | Not ZIP-priced | −3.47% | 2026-10-22T13:07:25.000Z | [Snapshot 270](https://apyledger.com/snapshots/270) |
| Certificate | standard | 24 months | $500 | 3.55% | Not ZIP-priced | −1.32% | 2026-10-22T13:07:25.000Z | [Snapshot 270](https://apyledger.com/snapshots/270) |
| Certificate Plus | standard | 24 months | $250 | 1.25% | Not ZIP-priced | −3.62% | 2026-10-22T13:07:25.000Z | [Snapshot 270](https://apyledger.com/snapshots/270) |
| Certificate | standard | 36 months | $500 | 3.65% | Not ZIP-priced | −1.30% | 2026-10-22T13:07:25.000Z | [Snapshot 270](https://apyledger.com/snapshots/270) |
| Certificate | standard | 48 months | $500 | 3.75% | Not ZIP-priced | −1.23% | 2026-10-22T13:07:25.000Z | [Snapshot 270](https://apyledger.com/snapshots/270) |
| Certificate | standard | 60 months | $500 | 3.75% | Not ZIP-priced | −1.26% | 2026-10-22T13:07:25.000Z | [Snapshot 270](https://apyledger.com/snapshots/270) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.