Summit Credit Union CD Rates

How Summit Credit Union’s CD rates compare

Compared with banks and credit unions near Madison, WI, where Summit Credit Union has the most branches. $10,000, best rate first.

This credit union’s best
Summit Credit Union
4.50%APY
Term
16 months
Minimum
$500
Earns on $10,000
$604
Regular Certificate
Top rate
Madison Fire Department Credit Union
4.55%APY
Term
16 months
Minimum
—
Earns on $10,000
$611
Madison Fire Department Credit Union rates
3rd-highest rate
The Bank of New Glarus
4.50%APY
Term
24 months
Minimum
$2,000
Earns on $10,000
$920
The Bank of New Glarus rates

Compare CD rates near you →

92

CD score

Higher than 93% of U.S. banks and credit unions

By term

3–8 months3–8 mo4.10%
9–15 months9–15 mo3.55%
16–30 months16–30 mo4.50%
31–60 months31–60 mo3.75%
QualifiedQualified4.50%

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.

How the score works →

Where Summit Credit Union ranks

By CD score, in each area where it has branches

And 7 more areas →

Every rate

Current CD rates

Rates from the credit union’s website. Earnings assume the rate doesn’t change.

Regular Certificate

Up to 4.50%APY · 11 termsFrom $500 to open

Minimum balance to open is $500. Early withdrawal penalties apply.

Earnings on $10,000 over the term.
Term	APY · $500 and up	APY · $5,000 and up	APY	Earns on $10,000Earns
3 months	2.50%	—	2.50%	$62
6 months	3.00%	—	3.00%	$149
7 monthsFeatured Rate 7 Month Special. Early withdrawal penalties apply	—	4.10%	4.10%	$237
9 months	3.25%	—	3.25%	$243
12 months	3.55%	—	3.55%	$355
16 monthsMinimum balance to earn APY $5,000	—	4.50%	4.50%	$604
18 months	3.55%	—	3.55%	$537
24 months	3.55%	—	3.55%	$723
36 months	3.65%	—	3.65%	$1,135
48 months	3.75%	—	3.75%	$1,587
60 months	3.75%	—	3.75%	$2,021

Sources (1)

summitcreditunion.com/bank/certificates · captured Oct 16, 2026

Certificate Plus

Up to 1.25%APY · 4 termsFrom $250 to open

Minimum balance to open is $250. Add up to $10,000 more during your term.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
6 monthsAdd up to $10,000 more during term	0.50%	$25
12 months	1.25%	$125
18 monthsAdd up to $10,000 more during term	1.25%	$188
24 months	1.25%	$252

Sources (1)

summitcreditunion.com/bank/certificates · captured Oct 16, 2026

Special-purpose accounts

IRA Certificate

Up to 4.50%APY · 11 termsIRAFrom $250 to open

Establish Any Certificate as an IRA Account.

Earnings on $10,000 over the term.
Term	APY · $250 and up	APY · $500 and up	APY · $5,000 and up	APY	Earns on $10,000Earns
3 months	—	2.50%	—	2.50%	$62
6 months	—	3.00%	—	3.00%	$149
6 monthsCertificate Plus variant. Add up to $10,000 more during term	0.50%	—	—	0.50%	$25
7 monthsFeatured Rate 7 Month Special. Early withdrawal penalties apply	—	—	4.10%	4.10%	$237
9 months	—	3.25%	—	3.25%	$243
12 months	—	3.55%	—	3.55%	$355
12 monthsCertificate Plus variant. Add up to $10,000 more during term	1.25%	—	—	1.25%	$125
16 monthsFeatured Rate 16 Month Special. Early withdrawal penalties apply	—	—	4.50%	4.50%	$604
18 months	—	3.55%	—	3.55%	$537
18 monthsCertificate Plus variant. Add up to $10,000 more during term	1.25%	—	—	1.25%	$188
24 months	—	3.55%	—	3.55%	$723
24 monthsCertificate Plus variant. Add up to $10,000 more during term	1.25%	—	—	1.25%	$252
36 months	—	3.65%	—	3.65%	$1,135
48 months	—	3.75%	—	3.75%	$1,587
60 months	—	3.75%	—	3.75%	$2,021

Sources (3)

All captured Oct 16, 2026

Who can join Summit Credit Union

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