# The Summit Federal Credit Union CD and share certificate rates

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.

Canonical page: https://apyledger.com/cd-rates/the-summit-federal-credit-union
Institution: The Summit Federal Credit Union (NCUA 4580)
Aliases: 
Status: live
Last verified: 2026-10-22T16:25:27.000Z (October 22, 2026)
Official source: https://www.summitfcu.org/checking-savings/share-certificates/
Coverage: 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.
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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Jumbo Certificate | standard | 30 days | $75,000 | 3.40% | Not ZIP-priced | −0.73% | 2026-10-22T16:25:27.000Z | [Snapshot 410](https://apyledger.com/snapshots/410) |
| Youth Certificate | special | 90 days | $50 | 3.25% | Not ZIP-priced | −1.04% | 2026-10-22T16:25:27.000Z | [Snapshot 410](https://apyledger.com/snapshots/410) |
| Regular Certificate | standard | 90 days | $500 | 3.25% | Not ZIP-priced | −1.04% | 2026-10-22T16:25:27.000Z | [Snapshot 410](https://apyledger.com/snapshots/410) |
| Jumbo Certificate | standard | 6 months | $75,000 | 4.50% | Not ZIP-priced | +0.10% | 2026-10-22T16:25:27.000Z | [Snapshot 410](https://apyledger.com/snapshots/410) |
| Youth Certificate | special | 6 months | $50 | 4.25% | Not ZIP-priced | −0.15% | 2026-10-22T16:25:27.000Z | [Snapshot 410](https://apyledger.com/snapshots/410) |
| Regular Certificate | standard | 6 months | $500 | 4.25% | Not ZIP-priced | −0.15% | 2026-10-22T16:25:27.000Z | [Snapshot 410](https://apyledger.com/snapshots/410) |
| Jumbo Certificate | standard | 12 months | $75,000 | 4.60% | Not ZIP-priced | +0.03% | 2026-10-22T16:25:27.000Z | [Snapshot 410](https://apyledger.com/snapshots/410) |
| Youth Certificate | special | 12 months | $50 | 4.35% | Not ZIP-priced | −0.22% | 2026-10-22T16:25:27.000Z | [Snapshot 410](https://apyledger.com/snapshots/410) |
| Regular Certificate | standard | 12 months | $500 | 4.35% | Not ZIP-priced | −0.22% | 2026-10-22T16:25:27.000Z | [Snapshot 410](https://apyledger.com/snapshots/410) |
| Jumbo Certificate | standard | 18 months | $75,000 | 4.10% | Not ZIP-priced | −0.62% | 2026-10-22T16:25:27.000Z | [Snapshot 410](https://apyledger.com/snapshots/410) |
| Youth Certificate | special | 18 months | $50 | 3.85% | Not ZIP-priced | −0.87% | 2026-10-22T16:25:27.000Z | [Snapshot 410](https://apyledger.com/snapshots/410) |
| Regular Certificate | standard | 18 months | $500 | 3.85% | Not ZIP-priced | −0.87% | 2026-10-22T16:25:27.000Z | [Snapshot 410](https://apyledger.com/snapshots/410) |
| Jumbo Certificate | standard | 24 months | $75,000 | 4.10% | Not ZIP-priced | −0.77% | 2026-10-22T16:25:27.000Z | [Snapshot 410](https://apyledger.com/snapshots/410) |
| Youth Certificate | special | 24 months | $50 | 3.85% | Not ZIP-priced | −1.02% | 2026-10-22T16:25:27.000Z | [Snapshot 410](https://apyledger.com/snapshots/410) |
| Regular Certificate | standard | 24 months | $500 | 3.85% | Not ZIP-priced | −1.02% | 2026-10-22T16:25:27.000Z | [Snapshot 410](https://apyledger.com/snapshots/410) |
| Youth Certificate | special | 30 months | $50 | 3.50% | Not ZIP-priced | −1.41% | 2026-10-22T16:25:27.000Z | [Snapshot 410](https://apyledger.com/snapshots/410) |
| Regular Certificate | standard | 30 months | $500 | 3.50% | Not ZIP-priced | −1.41% | 2026-10-22T16:25:27.000Z | [Snapshot 410](https://apyledger.com/snapshots/410) |
| Youth Certificate | special | 36 months | $50 | 3.50% | Not ZIP-priced | −1.45% | 2026-10-22T16:25:27.000Z | [Snapshot 410](https://apyledger.com/snapshots/410) |
| Regular Certificate | standard | 36 months | $500 | 3.50% | Not ZIP-priced | −1.45% | 2026-10-22T16:25:27.000Z | [Snapshot 410](https://apyledger.com/snapshots/410) |
| Youth Certificate | special | 42 months | $50 | 3.50% | Not ZIP-priced | −1.47% | 2026-10-22T16:25:27.000Z | [Snapshot 410](https://apyledger.com/snapshots/410) |
| Regular Certificate | standard | 42 months | $500 | 3.50% | Not ZIP-priced | −1.47% | 2026-10-22T16:25:27.000Z | [Snapshot 410](https://apyledger.com/snapshots/410) |
| Youth Certificate | special | 48 months | $50 | 3.50% | Not ZIP-priced | −1.48% | 2026-10-22T16:25:27.000Z | [Snapshot 410](https://apyledger.com/snapshots/410) |
| Regular Certificate | standard | 48 months | $500 | 3.50% | Not ZIP-priced | −1.48% | 2026-10-22T16:25:27.000Z | [Snapshot 410](https://apyledger.com/snapshots/410) |

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.