Credit union · NCUA insured
Summit Credit Union CD Rates
Top CarrotSummit Credit Union’s best CD rate is 4.00% APY on a 9-month share certificate (CD). Terms run from 6 months to 39 months. Rates checked October 22, 2026.
How Summit Credit Union’s CD rates compare
Compared with banks and credit unions near Greensboro, NC, where Summit Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Summit Credit Union
4.00%APY
- Term
- 9 months
- Minimum
- $10,000
- Earns on $10,000
- $299
Jumbo Certificate
Top rate
Allegacy Financial
5.00%APY
- Term
- 5 months
- Minimum
- $500
- Earns on $10,000
- $205
2nd-highest rate
Truliant Federal Credit Union
5.00%APY
- Term
- 12 months
- Minimum
- —
- Earns on $10,000
- $500
Summit Credit Union CD score
82
CD score
Higher than 60% of U.S. banks and credit unions
- 3–8 months3–8 mo2.25%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo3.75%
- 31–60 months31–60 mo3.50%
- QualifiedQualified4.00%
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 Summit Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Jumbo Certificate
Up to 4.00%APY · 7 terms
Quarterly compounding. Penalties may apply for early withdrawal. After the account is opened, no additional deposits may be made until maturity. Automatically renews at maturity with a 10-day grace period.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6–11 monthsQuarterly compounding. Early withdrawal penalty up to 90 days dividends | 2.25% | $112 |
| 9 monthsSpecial certificate. Quarterly compounding. Early withdrawal penalty up to 90 days dividends. Automatically renews into a non-special standard certificate | 4.00% | $299 |
| 12–23 monthsQuarterly compounding. Early withdrawal penalty up to 180 days dividends | 2.50% | $250 |
| 24–35 monthsQuarterly compounding. Early withdrawal penalty up to 180 days dividends | 2.75% | $558 |
| 27 monthsSpecial certificate. Quarterly compounding. Early withdrawal penalty up to 180 days dividends. Automatically renews into a non-special standard certificate | 3.75% | $864 |
| 36 monthsQuarterly compounding. Early withdrawal penalty up to 180 days dividends | 3.00% | $927 |
| 39 monthsSpecial certificate. Quarterly compounding. Automatically renews into a non-special standard certificate | 3.50% | $1,183 |
Sources (4)
- summitcu.org/disclosure/truth-in-savings
- summitcu.org/save/certificates
- summitcu.org/disclosure/fees-and-limits
- summitcu.org/learn/deposit-rates
All captured Oct 22, 2026
Regular Certificate
Up to 3.50%APY · 7 terms
Quarterly compounding. Penalties may apply for early withdrawal. After the account is opened, no additional deposits may be made until maturity. Automatically renews at maturity with a 10-day grace period.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6–11 monthsQuarterly compounding. Early withdrawal penalty up to 90 days dividends | 2.00% | $100 |
| 9 monthsSpecial certificate. Quarterly compounding. Early withdrawal penalty up to 90 days dividends. Automatically renews into a non-special standard certificate | 3.50% | $261 |
| 12–23 monthsQuarterly compounding. Early withdrawal penalty up to 180 days dividends | 2.25% | $225 |
| 24–35 monthsQuarterly compounding. Early withdrawal penalty up to 180 days dividends | 2.50% | $506 |
| 27 monthsSpecial certificate. Quarterly compounding. Early withdrawal penalty up to 180 days dividends. Automatically renews into a non-special standard certificate | 3.25% | $746 |
| 36 monthsQuarterly compounding. Early withdrawal penalty up to 180 days dividends | 2.75% | $848 |
| 39 monthsSpecial certificate. Quarterly compounding. Automatically renews into a non-special standard certificate | 3.00% | $1,008 |
Sources (4)
- summitcu.org/disclosure/truth-in-savings
- summitcu.org/save/certificates
- summitcu.org/disclosure/fees-and-limits
- summitcu.org/learn/deposit-rates
All captured Oct 22, 2026
Special-purpose accounts
Jumbo IRA Certificate
Up to 4.00%APY · 7 terms
Quarterly compounding. Penalties may apply for early withdrawal. After the account is opened, no additional deposits may be made until maturity. Available as Traditional or Roth IRA.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6–11 monthsQuarterly compounding. Early withdrawal penalty up to 90 days dividends | 2.25% | $112 |
| 9 monthsSpecial certificate. Quarterly compounding. Early withdrawal penalty up to 90 days dividends. Automatically renews into a non-special standard certificate | 4.00% | $299 |
| 12–23 monthsQuarterly compounding. Early withdrawal penalty up to 180 days dividends | 2.50% | $250 |
| 24–35 monthsQuarterly compounding. Early withdrawal penalty up to 180 days dividends | 2.75% | $558 |
| 27 monthsSpecial certificate. Quarterly compounding. Early withdrawal penalty up to 180 days dividends. Automatically renews into a non-special standard certificate | 3.75% | $864 |
| 36 monthsQuarterly compounding. Early withdrawal penalty up to 180 days dividends | 3.00% | $927 |
| 39 monthsSpecial certificate. Quarterly compounding. Automatically renews into a non-special standard certificate | 3.50% | $1,183 |
Sources (4)
- summitcu.org/disclosure/truth-in-savings
- summitcu.org/save/ira
- summitcu.org/disclosure/fees-and-limits
- summitcu.org/learn/deposit-rates
All captured Oct 22, 2026
Regular IRA Certificate
Up to 3.50%APY · 7 terms
Quarterly compounding. Penalties may apply for early withdrawal. After the account is opened, no additional deposits may be made until maturity. Available as Traditional or Roth IRA.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6–11 monthsQuarterly compounding. Early withdrawal penalty up to 90 days dividends | 2.00% | $100 |
| 9 monthsSpecial certificate. Quarterly compounding. Early withdrawal penalty up to 90 days dividends. Automatically renews into a non-special standard certificate | 3.50% | $261 |
| 12–23 monthsQuarterly compounding. Early withdrawal penalty up to 180 days dividends | 2.25% | $225 |
| 24–35 monthsQuarterly compounding. Early withdrawal penalty up to 180 days dividends | 2.50% | $506 |
| 27 monthsSpecial certificate. Quarterly compounding. Early withdrawal penalty up to 180 days dividends. Automatically renews into a non-special standard certificate | 3.25% | $746 |
| 36 monthsQuarterly compounding. Early withdrawal penalty up to 180 days dividends | 2.75% | $848 |
| 39 monthsSpecial certificate. Quarterly compounding. Automatically renews into a non-special standard certificate | 3.00% | $1,008 |
Sources (4)
- summitcu.org/disclosure/truth-in-savings
- summitcu.org/save/ira
- summitcu.org/disclosure/fees-and-limits
- summitcu.org/learn/deposit-rates
All captured Oct 22, 2026
Who can join Summit Credit Union
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.
Membership information collected October 4, 2026.