APY Ledger rate-source excerpt. APY Ledger is an independent rate tracker, not affiliated with this institution. Lines containing rates, copied from the public page below; open that page for full terms. Never enter account details on apyledger.com. Source: https://ratescentral.summitcreditunion.com/api/deposits/DepositRatesSheet.pdf Read: 2026-10-22T13:07:25.000Z Rates Effective: | OCTOBER 1, 2026 ^ | * TERM | MINIMUM TO OPEN | DIVIDEND | APY $5,000 | 4.02% | 4.10% $5,000 | 4.41% | 4.50% 3 months | $500 | 2.47% | 2.50% 6 months | $500 | 2.96% | 3.00% 9 months | $500 | 3.20% | 3.25% 12 months | $500 | 3.49% | 3.55% 18 months | $500 | 3.49% | 3.55% 24 months | $500 | 3.49% | 3.55% 36 months | $500 | 3.59% | 3.65% 48 months | $500 | 3.69% | 3.75% 60 months | $500 | 3.69% | 3.75% CERTIFICATE PLUS | Add up to $10,000, in total, at any time ^ | * TERM | MINIMUM TO OPEN | DIVIDEND | APY 6 months | $250 | 0.50% | 0.50% 12 months | $250 | 1.24% | 1.25% 18 months | $250 | 1.24% | 1.25% 24 months | $250 | 1.24% | 1.25% Rates and terms subject to change without notice. Fees may reduce earnings on account. *APY is Annual Percentage Yield. APY available on certificates effective October 1, 2026. Certificates are fixed rate accounts and will remain in effect until maturity. APY is based on an assumption that dividends will remain on deposit until maturity and a withdrawal or fee will reduce earnings. Penalties may be incurred for early withdrawals from certificates. See Truth in Savings Disclosure for more information. All of the above Certificates can be opened as an IRA. ^Minimum balance to earn APY. © Summit Credit Union 2026