Checking & Savings Accounts

Savings Accounts

saving money

Open a Savings Account for a Better Future

Whether you’re saving for a home, planning a vacation, looking ahead to retirement, or simply stashing your cash, The Summit has a savings solution that will work for you. From High-Yield Savings to share certificates, there’s an account for every goal.

Open a Savings Account Schedule a Video Appointment

Access your account at thousands of convenient ATM locations. Learn about ATM availability.

Earn up to $150 with a New Debit Card and RoundUp Savings Account

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Primary Savings Accounts

Our Primary Savings account is your gateway to all other products and services at The Summit. All you need is a minimum of $5 in your Primary Savings account and then you can choose from an abundance of additional Summit products and services to fit your lifestyle.

Primary Savings Rate

For month ending February 28, 2025

Savings Program
Minimum Balance to Open
Minimum Balance to Earn Dividends
Dividend Rate
Annual Percentage Yield
Primary/Safari/Forward Bound/Regular
$5.00
$100
0.050%
0.050%
Automatic Loan Payment Share
No minimum
$0.00
0.000%
0.000%

For a full listing of our rates, see our Rate and Fee Schedule.

Holiday, Vacation and Other Club Savings Accounts

Plan ahead and start saving for holiday gifts, a dream vacation and more. Make regular deposits through Direct Deposit or in person at any branch. You’ll earn competitive dividends that help you reach your savings goals faster.

For month ending February 28, 2025

Savings Program
Minimum Balance to Open
Minimum Balance to Earn Dividends
Dividend Rate
Annual Percentage Yield
Holiday, Vacation & Club Accounts
No minimum
$100
0.050%
0.050%

For a full listing of our rates, see our Rate and Fee Schedule.

Take Your Money Further

Check out our investment options based on your needs such as retirement programs or education expenses.

View Investment Options

Rates are subject to change at any time. Rates may change after account is opened.

Fees may reduce earnings.

*FEDERALLY INSURED BY NCUA. Membership eligibility required. Offer limited to members that have not had a debit card or RoundUp Savings account in the past 120 days or has been paid a checking/debit promotional bonus in the past 36 months. Limited to 1 cardholder per account (primary cardholder) for up to $75 with a new debit card and RoundUp Savings. You must complete the following to receive the maximum bonus of $75 with a new debit card and RoundUp Savings. To receive the one-time $25 debit card and RoundUp Savings opening bonus you must order a new debit card and open a RoundUp Savings account between 2/1/25 and 3/31/25. To receive the $50 bonus, you must complete 20 point-of-sale transactions post to your account by 5/31/25 and the card and account must remain open through 9/30/25. Please allow 4-6 weeks after meeting qualifications to receive your gift. Earn up to two special one-time bonuses totaling $75 that The Summit will deposit into your RoundUp Savings when your RoundUp Savings account reaches a balance of $250 ($25 bonus) and $500 ($50 bonus). The APY is 0.200% as of 2/1/25, and is subject to change at any time. Please refer to the RoundUp Savings account Terms and Conditions at summitfcu.org/roundup-terms. Cash bonus will be reported, and you will receive IRS Form 1099-INT. Any applicable taxes are the responsibility of the member. Offer subject to change at any time at our sole discretion without notice. The Account Maintenance Fee is waived if you meet certain conditions. See branch for details.