Bank · FDIC insured
1st Summit Bank Savings Rates
1st Summit Bank’s best savings rate is 0.06% APY on $10,000, with its Advantage Plus Money Management. Rates checked October 16, 2026.
How 1st Summit Bank’s savings rates compare
Compared with banks and credit unions near Johnstown, PA, where 1st Summit Bank has the most branches. $10,000, best rate first.
This bank’s best
1st Summit Bank
0.06%APY
- Minimum
- —
- Earns on $10,000 a year
- $6
Advantage Plus Money Management
Top rate
Northwest Bank
4.00%APY
- Minimum
- $1
- Earns on $10,000 a year
- $400
2nd-highest rate
PRR South Fork Federal Credit Union
2.02%APY
- Minimum
- $5
- Earns on $10,000 a year
- $202
1st Summit Bank savings score
63
Savings score
Higher than 8% of U.S. banks and credit unions
By balance
- $1,000 balance$1,0000.06%
- $10,000 balance$10,0000.06%
- $100,000 balance$100,0000.11%
- QualifiedQualified0.06%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where 1st Summit Bank ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Advantage Plus Money Management
0.06%APY
Annual Percentage Yield (APY) compounded daily. Fees may reduce the earnings on the account. We may change the interest rate and A.P.Y after the account is opened for variable rate accounts.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000Existing APs only. Compounded daily. Variable rate. Fees may reduce earnings. | 0.06% | $6 | Existing APs only. Compounded daily. Variable rate. Fees may reduce earnings. |
| $25,000 – $100,000Compounded daily. Variable rate. Fees may reduce earnings. | 0.06% | — | Compounded daily. Variable rate. Fees may reduce earnings. |
| $100,000 – $200,000Compounded daily. Variable rate. Fees may reduce earnings. | 0.11% | — | Compounded daily. Variable rate. Fees may reduce earnings. |
| $200,000 – $500,000Compounded daily. Variable rate. Fees may reduce earnings. | 0.21% | — | Compounded daily. Variable rate. Fees may reduce earnings. |
| $500,000 – $1,000,000Compounded daily. Variable rate. Fees may reduce earnings. | 0.75% | — | Compounded daily. Variable rate. Fees may reduce earnings. |
| $1,000,000 and upCompounded daily. Variable rate. Fees may reduce earnings. | 1.00% | — | Compounded daily. Variable rate. Fees may reduce earnings. |
Sources (1)
- 1stsummit.bank/home/personal/c…s/personal-deposit-rates · captured Oct 16, 2026
Statement Savings
0.06%APY
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000Annual Percentage Yield (APY) compounded daily. We may change the interest rate/APY after the account is opened for variable rate accounts. Fees could reduce earnings on the account. | 0.06% | $6 | Annual Percentage Yield (APY) compounded daily. We may change the interest rate/APY after the account is opened for variable rate accounts. Fees could reduce earnings on the account. |
| $25,000 and upAnnual Percentage Yield (APY) compounded daily. We may change the interest rate/APY after the account is opened for variable rate accounts. Fees could reduce earnings on the account. | 0.11% | — | Annual Percentage Yield (APY) compounded daily. We may change the interest rate/APY after the account is opened for variable rate accounts. Fees could reduce earnings on the account. |
Special-purpose accounts
Holiday Club
Up to 2.00%APY
Matures in October. In October, funds are automatically deposited into your 1st Summit account. Withdrawals will result in account closure and are subject to a $25 fee and loss of interest.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $12,001Simple interest paid at end of term. With automatic deduction / Automatic funds transfer from a 1st Summit Bank checking or savings account. The Annual Percentage Yield (APY) is current as of the current date and will remain in effect until account maturity (Holiday Club matures in October). APY will revert to .75% if Automatic Funds Transfer from a 1st Summit Bank account of $20 or more per month does not occur. The account will earn the quoted APY for amounts up to $12,000.99 and any amount greater will receive no interest. Fees could reduce earnings on the account. Withdrawals will result in account closure and are subject to a $25 fee and loss of interest.Up to $12,001 | 2.00% | $200 | Simple interest paid at end of term. With automatic deduction / Automatic funds transfer from a 1st Summit Bank checking or savings account. The Annual Percentage Yield (APY) is current as of the current date and will remain in effect until account maturity (Holiday Club matures in October). APY will revert to .75% if Automatic Funds Transfer from a 1st Summit Bank account of $20 or more per month does not occur. The account will earn the quoted APY for amounts up to $12,000.99 and any amount greater will receive no interest. Fees could reduce earnings on the account. Withdrawals will result in account closure and are subject to a $25 fee and loss of interest. |
| Up to $12,001Simple interest paid at end of term. Without automatic deduction. The Annual Percentage Yield (APY) is current as of the current date and will remain in effect until account maturity (Holiday Club matures in October). The account will earn the quoted APY for amounts up to $12,000.99 and any amount greater will receive no interest. Fees could reduce earnings on the account. Withdrawals will result in account closure and are subject to a $25 fee and loss of interest.Up to $12,001 | 0.75% | $75 | Simple interest paid at end of term. Without automatic deduction. The Annual Percentage Yield (APY) is current as of the current date and will remain in effect until account maturity (Holiday Club matures in October). The account will earn the quoted APY for amounts up to $12,000.99 and any amount greater will receive no interest. Fees could reduce earnings on the account. Withdrawals will result in account closure and are subject to a $25 fee and loss of interest. |
Vacation Club
Up to 2.00%APY
Matures in April. In April, funds are automatically deposited into your 1st Summit account. Withdrawals will result in account closure and are subject to a $25 fee and loss of interest.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $12,001Simple interest paid at end of term. With automatic deduction / Automatic funds transfer from a 1st Summit Bank checking or savings account of $20 or more per month. The Annual Percentage Yield (APY) is current as of the current date and will remain in effect until account maturity (Vacation Club matures in April). APY will revert to .75% if Automatic Funds Transfer from a 1st Summit Bank account of $20 or more per month does not occur. The account will earn the quoted APY for amounts up to $12,000.99 and any amount greater will receive no interest. Fees could reduce earnings on the account. Withdrawals will result in account closure and are subject to a $25 fee and loss of interest.Up to $12,001 | 2.00% | $200 | Simple interest paid at end of term. With automatic deduction / Automatic funds transfer from a 1st Summit Bank checking or savings account of $20 or more per month. The Annual Percentage Yield (APY) is current as of the current date and will remain in effect until account maturity (Vacation Club matures in April). APY will revert to .75% if Automatic Funds Transfer from a 1st Summit Bank account of $20 or more per month does not occur. The account will earn the quoted APY for amounts up to $12,000.99 and any amount greater will receive no interest. Fees could reduce earnings on the account. Withdrawals will result in account closure and are subject to a $25 fee and loss of interest. |
| Up to $12,001Simple interest paid at end of term. Without automatic deduction. The Annual Percentage Yield (APY) is current as of the current date and will remain in effect until account maturity (Vacation Club matures in April). The account will earn the quoted APY for amounts up to $12,000.99 and any amount greater will receive no interest. Fees could reduce earnings on the account. Withdrawals will result in account closure and are subject to a $25 fee and loss of interest.Up to $12,001 | 0.75% | $75 | Simple interest paid at end of term. Without automatic deduction. The Annual Percentage Yield (APY) is current as of the current date and will remain in effect until account maturity (Vacation Club matures in April). The account will earn the quoted APY for amounts up to $12,000.99 and any amount greater will receive no interest. Fees could reduce earnings on the account. Withdrawals will result in account closure and are subject to a $25 fee and loss of interest. |
Personal & Non-profit Insured Money Market Account
0.06%APY
Annual Percentage Yield (APY) compounded daily. We may change the interest rate/APY after the account is opened for variable rate accounts. Fees could reduce earnings on the account.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $300 – $25,000Compounded daily. Variable rate. Fees could reduce earnings. | 0.06% | $6 | Compounded daily. Variable rate. Fees could reduce earnings. |
| $25,000 – $100,000Compounded daily. Variable rate. Fees could reduce earnings. | 0.06% | — | Compounded daily. Variable rate. Fees could reduce earnings. |
| $100,000 – $200,000Compounded daily. Variable rate. Fees could reduce earnings. | 0.11% | — | Compounded daily. Variable rate. Fees could reduce earnings. |
| $200,000 – $500,000Compounded daily. Variable rate. Fees could reduce earnings. | 0.21% | — | Compounded daily. Variable rate. Fees could reduce earnings. |
| $500,000 – $1,000,000Compounded daily. Variable rate. Fees could reduce earnings. | 0.75% | — | Compounded daily. Variable rate. Fees could reduce earnings. |
| $1,000,000 and upCompounded daily. Variable rate. Fees could reduce earnings. | 1.00% | — | Compounded daily. Variable rate. Fees could reduce earnings. |
Sources (1)
- 1stsummit.bank/home/personal/c…s/personal-deposit-rates · captured Oct 16, 2026
IRA
0.51%APY
Available as Traditional IRA or Roth IRA. APY=Annual Percentage Yield. Penalty for early withdrawal. Fees could reduce earnings on the account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceVariable IRA. Compound Frequency Daily. APY=Annual Percentage Yield. Penalty for early withdrawal. Fees could reduce earnings on the account.Any balance | 0.51% | $51 | Variable IRA. Compound Frequency Daily. APY=Annual Percentage Yield. Penalty for early withdrawal. Fees could reduce earnings on the account. |
Sources (2)
- 1stsummit.bank/home/personal/c…ngs/personal-savings-cds
- 1stsummit.bank/home/personal/c…s/personal-deposit-rates
All captured Oct 16, 2026
Smart Savers Club
0.06%APY
Designed specifically for savers under the age of 18.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000Annual Percentage Yield (APY) compounded daily. We may change the interest rate/APY after the account is opened for variable rate accounts. Fees could reduce earnings on the account. | 0.06% | $6 | Annual Percentage Yield (APY) compounded daily. We may change the interest rate/APY after the account is opened for variable rate accounts. Fees could reduce earnings on the account. |
| $25,000 and upAnnual Percentage Yield (APY) compounded daily. We may change the interest rate/APY after the account is opened for variable rate accounts. Fees could reduce earnings on the account. | 0.11% | — | Annual Percentage Yield (APY) compounded daily. We may change the interest rate/APY after the account is opened for variable rate accounts. Fees could reduce earnings on the account. |
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.