The Summit Federal Credit Union CD & Share Certificate Rates — October 2026
As of October 22, 2026, The Summit Federal Credit Union's highest tracked CD (share certificate) rate is 4.60% APY on a 12-month CD ($75,000 minimum). That is 2.6 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 3.25% to 4.60% APY.
Tracking began .
The Summit Federal Credit Union CD & share certificate rates
Membership required. Certificates from 90 days to 10 years ($500, or $50 for members under 18) and Jumbo certificates ($75,000). Certificates renew automatically. Term ranges are shown at their lower bound. Early withdrawal penalties may apply.
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.
What are The Summit Federal Credit Union's best CD rates by term?
The Summit Federal Credit Union's best rate is 4.60% APY on 12 months, verified October 22, 2026.
- 30 days3.40%
- 90 days3.25%
- 6 mo4.50%
- 12 mo4.60%
- 18 mo4.10%
- 24 mo4.10%
- 30 mo3.50%
- 36 mo3.50%
- 42 mo3.50%
- 48 mo3.50%
How much interest could a The Summit Federal 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.
$435.00 interest · $10,435.00 at maturity on $10,000.00.
4.35% APY · 12 months · Regular Certificate · Standard · verified October 22, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 30 days | Not estimated | Not estimated | Not estimated | Not estimated |
| 90 days | $39.593.25% APY · Regular Certificate · Standard | $79.173.25% APY · Regular Certificate · Standard | $197.943.25% APY · Regular Certificate · Standard | $395.873.25% APY · Regular Certificate · Standard |
| 6 months | $105.444.25% APY · Regular Certificate · Standard | $210.874.25% APY · Regular Certificate · Standard | $527.184.25% APY · Regular Certificate · Standard | $1,054.364.25% APY · Regular Certificate · Standard |
| 12 months | $217.504.35% APY · Regular Certificate · Standard | $435.004.35% APY · Regular Certificate · Standard | $1,087.504.35% APY · Regular Certificate · Standard | $2,175.004.35% APY · Regular Certificate · Standard |
| 18 months | $291.793.85% APY · Regular Certificate · Standard | $583.573.85% APY · Regular Certificate · Standard | $1,458.933.85% APY · Regular Certificate · Standard | $2,917.853.85% APY · Regular Certificate · Standard |
| 24 months | $392.413.85% APY · Regular Certificate · Standard | $784.823.85% APY · Regular Certificate · Standard | $1,962.063.85% APY · Regular Certificate · Standard | $3,924.113.85% APY · Regular Certificate · Standard |
| 30 months | $449.313.50% APY · Regular Certificate · Standard | $898.623.50% APY · Regular Certificate · Standard | $2,246.543.50% APY · Regular Certificate · Standard | $4,493.083.50% APY · Regular Certificate · Standard |
| 36 months | $543.593.50% APY · Regular Certificate · Standard | $1,087.183.50% APY · Regular Certificate · Standard | $2,717.953.50% APY · Regular Certificate · Standard | $5,435.893.50% APY · Regular Certificate · Standard |
| 42 months | $640.033.50% APY · Regular Certificate · Standard | $1,280.073.50% APY · Regular Certificate · Standard | $3,200.173.50% APY · Regular Certificate · Standard | $6,400.343.50% APY · Regular Certificate · Standard |
| 48 months | $737.623.50% APY · Regular Certificate · Standard | $1,475.233.50% APY · Regular Certificate · Standard | $3,688.083.50% APY · Regular Certificate · Standard | $7,376.153.50% APY · Regular Certificate · Standard |
How The Summit Federal 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 365-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 6 of 233 tracked institutions with fresh 365-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 |
|---|---|---|---|---|---|
| The Summit Federal Credit Union (this institution)Jumbo Certificate · Standard | 12 months | $75,000 | Coverage: NY | 4.60% | October 22, 2026 |
| Popular DirectCertificate of Deposit · Standard | 12 months | $10,000 | Nationwide; check eligibility | 4.60% | October 22, 2026 |
| E*TRADE (Morgan Stanley Private Bank)Bank CD · Promotional | 12 months | Not stated | Nationwide; check eligibility | 4.55% | October 22, 2026 |
| AmeriCU Credit Union12 Month Certificate · Standard | 12 months | $50 | Coverage: NY | 4.50% | October 22, 2026 |
| Truliant Federal Credit Union (highest tracked APY for this term)Limited-Time 12 Month Term (new external funds required) · Promotional | 12 months | $5,000 | Coverage: NC, SC, VA | 5.00% | October 22, 2026 |
| Treasury (APY-equivalent) | 12 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.57% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking The Summit Federal Credit Union on October 22, 2026.
About The Summit Federal Credit Union
- Legal name
- The Summit Federal Credit Union
- Regulator ID
- NCUA 4580
- Headquarters
- Rochester, NY
- Available in
- NY
- Total assets
- $1.5 billion
- Also known as
- Website
- www.summitfcu.org
Source: rates read from https://www.summitfcu.org/checking-savings/share-certificates/. See the page text we read.
Frequently asked questions
What is the highest CD rate at The Summit Federal Credit Union?
Among the rates we track, 4.60% APY on a 12-month CD, as of October 22, 2026.
What is the minimum deposit for a The Summit Federal Credit Union CD?
The lowest minimum we found is $50; jumbo and higher balance tiers start at up to $75,000.
How does The Summit Federal Credit Union's best CD rate compare with Treasury yields?
4.60% APY is +0.03% versus the 12-month Treasury yield of 4.57% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.60% 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 The Summit Federal Credit Union CDs insured?
The Summit Federal Credit Union is a federally insured credit union (NCUA 4580). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.
What is a share certificate at The Summit Federal 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 The Summit Federal 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 The Summit Federal Credit Union's website and may change at any time. Confirm terms, minimums and eligibility with The Summit Federal Credit Union before opening an account. This page is not financial advice.