Credit union · NCUA insured
Summit Credit Union Savings Rates
Summit Credit Union’s best savings rate is 0.17% APY on $10,000, with its Money Market Plus Account. Rates checked October 16, 2026.
How Summit Credit Union’s savings 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
0.17%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $17
Money Market Plus Account
Top rate
UMB Bank
3.71%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $371
2nd-highest rate
Associated Bank
3.20%APY
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000 a year
- $320
Summit Credit Union savings score
70
Savings score
Higher than 27% of U.S. banks and credit unions
- $1,000 balance$1,0000.12%
- $10,000 balance$10,0000.17%
- $100,000 balance$100,0003.56%
- QualifiedQualified0.17%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Ultimate Money Market Special
3.56%APY
Special rate of 3.50% on balances of $50,000 or more, with at least $25,000 new money, through February 28, 2027. Annual Percentage Yield of 3.56% on balances of $50,000 or more in the first full year from account opening. No withdrawal penalties. No minimum balance fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50,000 and upSpecial rate of 3.50% on balances of $50,000 or more, with at least $25,000 new money, through February 28, 2027. APY applies in the first full year from account opening.$50,000 and up | 3.56% | — | Special rate of 3.50% on balances of $50,000 or more, with at least $25,000 new money, through February 28, 2027. APY applies in the first full year from account opening. |
Sources (1)
- summitcreditunion.com/bank/money-market/promo · captured Oct 16, 2026
Money Market Maximizer Account
Up to 3.10%APY
No minimum balance requirement or withdrawal fees. Minimum balance to open is $75,000.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $75,000 and up | 1.30% | — |
| $150,000 and up | 1.70% | — |
| $250,000 and up | 2.60% | — |
| $500,000 and up | 2.85% | — |
| $1,000,000 and up | 3.10% | — |
Sources (1)
- summitcreditunion.com/bank/money-market-account · captured Oct 5, 2026
Ultimate Money Market Account
Up to 1.44%APY
No minimum balance requirement or withdrawal fees. Minimum balance to open is $50,000.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $50,000 and up | 0.35% | — |
| $75,000 and up | 1.24% | — |
| $100,000 and up | 1.34% | — |
| $150,000 and up | 1.34% | — |
| $200,000 and up | 1.44% | — |
Sources (1)
- summitcreditunion.com/bank/money-market-account · captured Oct 5, 2026
Money Market Plus Account
Up to 0.17%APY
No minimum balance requirement or withdrawal fees. No minimum balance to open.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.12% | $12 |
| $2,500 and up | 0.14% | $14 |
| $10,000 and up | 0.17% | $17 |
| $25,000 and up | 0.18% | — |
| $50,000 and up | 0.20% | — |
| $100,000 and up | 0.23% | — |
Sources (2)
- summitcreditunion.com/accounts…oney-market-plus-account
- summitcreditunion.com/bank/money-market-account
All captured Oct 5, 2026
GoSave Account
0.08%APY
Allows one free withdrawal per month. Monthly automatic electronic deposit required. Minimum opening deposit is $25 on p22 / $100 on p125 footnote. Rate may change at any time.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Allows one free withdrawal per month. Monthly automatic deposit required. Rate may change at any time. Minimum balance to open is $25 ($100 per p125 footnote). | 0.10% | — | Allows one free withdrawal per month. Monthly automatic deposit required. Rate may change at any time. Minimum balance to open is $25 ($100 per p125 footnote). |
| $1,000 – $10,000Allows one free withdrawal per month. Monthly automatic deposit required. Rate may change at any time. Minimum balance to open is $25 ($100 per p125 footnote). | 0.09% | — | Allows one free withdrawal per month. Monthly automatic deposit required. Rate may change at any time. Minimum balance to open is $25 ($100 per p125 footnote). |
| $10,000 and upAllows one free withdrawal per month. Monthly automatic deposit required. Rate may change at any time. Minimum balance to open is $25 ($100 per p125 footnote). | 0.08% | $8 | Allows one free withdrawal per month. Monthly automatic deposit required. Rate may change at any time. Minimum balance to open is $25 ($100 per p125 footnote). |
Sources (2)
All captured Oct 5, 2026
Primary Savings Account
0.10%APY
No monthly fees or minimum balance charges. Rate and APY may change at any time. Must maintain a minimum daily balance of $25 to obtain disclosed APY.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upMust maintain a minimum daily balance of $25 to obtain disclosed APY. Rate may change at any time.$25 and up | 0.10% | $10 | Must maintain a minimum daily balance of $25 to obtain disclosed APY. Rate may change at any time. |
Sources (2)
All captured Oct 5, 2026
Secondary Savings Account
0.10%APY
No monthly fees or minimum balance charges. No minimum balance required to open account. Rate and APY may change at any time.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upNo minimum balance required to open account. Rate may change at any time.$25 and up | 0.10% | $10 | No minimum balance required to open account. Rate may change at any time. |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
Health Savings Account
0.10%APY
Tax-advantaged savings account for qualified medical expenses. Must be covered by an HSA-eligible high-deductible health plan (HDHP), not enrolled in Medicare, and not eligible to be claimed as a dependent. No administrative or usage fees. No minimum balance to open. Rate may change at any time.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500No minimum balance to open. No administrative or usage fees. Rate may change at any time. | 0.06% | — | No minimum balance to open. No administrative or usage fees. Rate may change at any time. |
| $2,500 – $5,000No minimum balance to open. No administrative or usage fees. Rate may change at any time. | 0.07% | — | No minimum balance to open. No administrative or usage fees. Rate may change at any time. |
| $5,000 – $10,000No minimum balance to open. No administrative or usage fees. Rate may change at any time. | 0.09% | — | No minimum balance to open. No administrative or usage fees. Rate may change at any time. |
| $10,000 and upNo minimum balance to open. No administrative or usage fees. Rate may change at any time. | 0.10% | $10 | No minimum balance to open. No administrative or usage fees. Rate may change at any time. |
Sources (3)
- summitcreditunion.com/deposit-rates
- summitcreditunion.com/bank/savings-account
- summitcreditunion.com/bank/sav…/health-savings-accounts
All captured Oct 5, 2026
Holiday Savings Account
0.10%APY
No monthly fees or minimum balance charges. No minimum balance required to open account. Rate may change at any time.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upNo minimum balance required to open account. Rate may change at any time.$25 and up | 0.10% | $10 | No minimum balance required to open account. Rate may change at any time. |
Sources (1)
- summitcreditunion.com/bank/savings-account · captured Oct 5, 2026
IRA Savings
0.10%APY
Traditional or Roth IRA savings account. No administrative fees. Minimum to open is $25. Must maintain a minimum daily balance of $25 to obtain the disclosed APY. Rate may change at any time.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upMinimum balance to open is $25.00. Must maintain a minimum daily balance of $25 in account to obtain disclosed APY. No administrative fees. Rate may change at any time.$25 and up | 0.10% | $10 | Minimum balance to open is $25.00. Must maintain a minimum daily balance of $25 in account to obtain disclosed APY. No administrative fees. Rate may change at any time. |
Sources (2)
All captured Oct 5, 2026
Who can join Summit Credit Union
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