Credit union · NCUA insured
The Summit Federal Credit Union
Top CarrotA $1.5B credit union, the 339th largest of 4,329, headquartered in Rochester, NY, with 97,655 members and 15 branches in New York. Best rates: CDs 4.60% and savings 1.20% APY.
The Summit Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 83% of U.S. banks and credit unions
#5 of 32 in Rochester, NY metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About The Summit Federal Credit Union
- Headquarters
- 100 Marina Dr, Rochester, NY 14626-5104
- NCUA charter
- 4580
Branches
15 branches in New York
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New York
15 branches
Rochester area · 9
- The Summit FCUMain office100 Marina Dr, Rochester, NY 14626Directions
- Perinton Branch665 Moseley Rd, Fairport, NY 14450Directions
- Hilton41 Hovey St, Hilton, NY 14468Directions
- Penfield2146 Penfield Rd, Penfield, NY 14526Directions
- Brighton1660 Monroe Ave, Rochester, NY 14618Directions
- City of Rochester2315 E Main St, Rochester, NY 14609Directions
- Greece100 Marina Dr, Rochester, NY 14626Directions
- Henrietta2087 E Henrietta Rd, Rochester, NY 14623Directions
- Irondequoit2121 Hudson Ave, Rochester, NY 14617Directions
Buffalo area · 2
- Delaware2290 Delaware Ave Ste 100, Buffalo, NY 14216Directions
- Clarence5641 Transit Rd, East Amherst, NY 14051Directions
Syracuse area · 2
- Taft Rd5201 W Taft Rd, North Syracuse, NY 13212Directions
- Erie1400 Erie Blvd E, Syracuse, NY 13210Directions
Cortland area · 1
- Cortland877 State Route 13, Cortland, NY 13045Directions
Seneca Falls area · 1
- Seneca Falls123 Fall St, Seneca Falls, NY 13148Directions
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
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 11.31% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.34% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.88% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $92 | $88 | — |
- CapitalNet worth ratio11.31%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.34%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.88%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$92Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more 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 The Summit Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.