Personal Deposit Rates
Rate are accurate as of 07/17/25
High Interest Rate CDs for a Limited Time
Check out our CD specials! We have rates worth celebrating so you can make this your summer of saving.
CD Rates
| Term | |||||
|---|---|---|---|---|---|
| 182 Day | |||||
| 12 month | |||||
| 18 month | |||||
| 24 month | |||||
| 30 month | |||||
| 36 month | |||||
| 42 month | |||||
| 48 month | |||||
| 60 month | |||||
APY=Annual Percentage Yield. Penalty for early withdrawal. Fees could reduce earnings on the account.
IRA
| Term | |||||
|---|---|---|---|---|---|
| Variable IRA | |||||
| 12 month IRA | |||||
| 18 month IRA | |||||
| 42 month IRA | |||||
APY=Annual Percentage Yield. Penalty for early withdrawal. Fees could reduce earnings on the account.
Peak & Prime Accounts
| Amount | Rate | APY |
|---|---|---|
| $300 - $4,999.99 | 0.06% | 0.06% |
| $5,000 - $24,999.99 | 0.06% | 0.06% |
| $25,000 + | 0.11% | 0.11% |
Annual Percentage Yield (APY) compounded daily. We may change the interest rate/APY after the account is opened for variable rate accounts. Fees could reduce earnings on the account.
Statement Savings & Smart Savers Club
| Amount | Rate | APY |
|---|---|---|
| $50 - $24,999.99 | 0.06% | 0.06% |
| $25,000 + | 0.11% | 0.11% |
Annual Percentage Yield (APY) compounded daily. We may change the interest rate/APY after the account is opened for variable rate accounts. Fees could reduce earnings on the account.
Savings Clubs – Holiday Club & Vacation Club
| Rate | APY | |
|---|---|---|
| With automatic deduction | 2.00% | 2.00% |
| Without automatic deduction | .75% | .75% |
Simple interest paid at end of term. Automatic funds transfer from a 1st Summit Bank checking or savings account. The Annual Percentage Yield (APY) is current as of the current date and will remain in effect until account maturity – Holiday Club matures in October and Vacation Club matures in April. APY will revert to .75% if Automatic Funds Transfer from a 1st Summit Bank account of $20 or more per month does not occur. The account will earn the quoted APY for amounts up to $12,000.99 and any amount greater will receive no interest. Fees could reduce earnings on the account. Withdrawals will result in account closure and are subject to a $25 fee and loss of interest.
Personal & Non-profit Insured Money Market Account
| Amount | Rate | APY |
|---|---|---|
| $300 - $24,999.99 balances | 0.06% | 0.06% |
| $25,000 - $99,999.99 balances | 0.06% | 0.06% |
| $100,000 - $199,999.99 balances | 0.11% | 0.11% |
| $200,000 - $499,999.99 | 0.21% | 0.21% |
| $500,000 - $999,999.99 | .75% | .75% |
| $1,000,000 & over | 1.00% | 1.00% |
Annual Percentage Yield (APY) compounded daily. We may change the interest rate/APY after the account is opened for variable rate accounts. Fees could reduce earnings on the account.
Advantage Plus Money Management
| Amount | Rate | APY |
|---|---|---|
| AP MM $.01-$24,999.99 (existing APs only) | 0.06% | 0.06% |
| AP MM $25,000 - $99,999.99 | 0.06% | 0.06% |
| AP MM $100,000 - $199,999.99 | 0.11% | 0.11% |
| AP MM $200,000 - $499,999.99 | .21% | .21% |
| AP MM $500,000 - $999,999.99 | .75% | .75% |
| AP MM $1,000,000 & over | 1.00% | 1.00% |
Annual Percentage Yield (APY) compounded daily. Fees may reduce the earnings on the account. We may change the interest rate and A.P.Y after the account is opened for variable rate accounts.
IRA
| Term | |||||
|---|---|---|---|---|---|
| Variable IRA | |||||
| 12 month IRA | |||||
| 18 month IRA | |||||
| 42 month IRA | |||||
*Relationship Rate: Available to customer who has four or more unique services with the bank. Services include Consumer Checking, Business Checking, Savings, Smart Savers Account, Money Market, Holiday Club, Certificate of Deposit, Credit Card Merchant Service, Mortgage Loan, Personal Line/Loan, VISA® Credit Card, Commercial Line/Loan, Trust/Estate, Brokerage, Safe Deposit Box.