Credit union · NCUA insured
Summit Credit Union
Top CarrotA $369.4M credit union headquartered in Greensboro, NC, with 30,746 members and 8 branches in North Carolina. Best rates: CDs 4.00% and savings 1.00% APY.
Summit Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 77% of U.S. banks and credit unions
#11 of 31 in Greensboro, NC metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Summit Credit Union
Founded in 1935 as Tri-City Telco Credit Union, Summit Credit Union is a not-for-profit financial cooperative.
It merged with Twin City Telco Credit Union in 1976 to become First Telco Credit Union before renaming to Summit Credit Union in 1991.
The credit union operates eight branch locations across North Carolina in Greensboro, Hickory, High Point, Oxford, Raleigh, and Winston-Salem.
- Headquarters
- 8210 W Market St, Greensboro, NC 27409
- NCUA charter
- 63020
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of over 300 North Carolina business partners are eligible for membership.
Family and household
- Immediate family members of employees of qualifying business partners are eligible for membership.
Cost to join
- Establishing membership requires opening a savings account with a deposit of at least $5.
Branches
8 branches in North Carolina
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North Carolina
8 branches
Greensboro area · 4
- Summit Credit UnionMain office8210 W Market St, Greensboro, NC 27409Directions
- Summit Credit Union800 Summit Ave, Greensboro, NC 27405Directions
- Elm-Eugene Branch2917 S Elm Eugene St, Greensboro, NC 27406Directions
- High Point Branch1743 Westchester Dr, High Point, NC 27262Directions
Hickory area · 1
- Summit Credit Union102 1st Ave NE, Hickory, NC 28601Directions
Oxford area · 1
- Oxford Credit Union Branch128 College St, Oxford, NC 27565Directions
Raleigh area · 1
- Summit Credit Union3840 Ed Dr Ste 100, Raleigh, NC 27612Directions
Winston-Salem area · 1
- Summit Credit Union1100 S Stratford Rd Ste 400B, Winston-Salem, NC 27103Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 15.44% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.71% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.92% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $78 | $76 | — |
- CapitalNet worth ratio15.44%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.71%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.92%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$78Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Summit Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.