Business Details
50+ Years
experience
Emergency
services
Your Trusted Financial Partner in North Carolina
Summit Credit Union has been dedicated to providing exceptional financial services since 1935. Originally established to serve telephone company employees, we have grown to support over 35,000 members across North Carolina. Our mission centers on fostering financial success through personalized service, competitive rates, and community engagement. We offer a comprehensive range of products, including home loans, auto loans, credit cards, savings accounts, and digital banking tools. As a not-for-profit cooperative, we prioritize member needs over shareholder profits. Our commitment extends beyond finance through scholarships, financial literacy programs, and partnerships with local organizations like Victory Junction Gang Camp.With eight branches and 55,000 surcharge-free ATMs nationwide, we combine convenience with a personal touch. Our team of experts delivers tailored solutions for every financial goal, from everyday banking to long-term planning. Backed by NCUA insurance and BBB accreditation, we maintain rigorous standards of security and service. Whether you're purchasing a home, financing a vehicle, or planning for retirement, we partner with you to achieve financial stability and growth.
Services
Home Loans
Auto Loans
Credit Cards
Savings Accounts
Digital Banking
Mortgage Refinancing
Personal Loans
Financial Counseling
Details
- Year established: 1935
Highlights and features
- 90+ years of community-focused financial service expertise
- Member-owned cooperative structure prioritizing customer needs
- Free financial literacy workshops for practical money management
- 24/7 digital banking with mobile app convenience
- Active community involvement through scholarships and local partnerships
Associations and certifications
- BBB Accredited Business
- NCUA
What people say
Knowledgeable agents
Prompt loan processing
Friendly service
Community involvement
Financial education resources
Services
Home Loans
We offer fixed-rate and adjustable-rate mortgage options for home purchases and refinancing. Our lending team provides personalized guidance through the entire process, from pre-approval to closing. Competitive rates and flexible terms help members achieve homeownership goals while maintaining financial stability.
Auto Loans
Flexible financing options available for new and used vehicle purchases, plus refinancing opportunities to reduce payments. Our auto loans feature competitive rates and terms tailored to individual credit profiles. Members can utilize our Auto Buying Service to find budget-friendly vehicles.
Digital Banking
24/7 access to account management through secure website and mobile app platforms. Features include bill payment, fund transfers, mobile check deposit, and real-time transaction monitoring. Digital tools empower members to manage finances conveniently from any location.
Financial Counseling
Personalized financial guidance from experienced advisors helps members create budgets, reduce debt, and plan for future goals. Free workshops cover topics like credit management, retirement planning, and first-time homebuyer education to build financial confidence.
Savings Accounts
Multiple savings options include standard accounts, money market accounts, and certificates with tiered interest rates. Special youth and student accounts promote early financial education. Minimum $5 opening deposit provides access to all membership benefits.
Questions
How do I become a member?
Open a savings account with $5. Membership extends to employees of our business partners and their families.
What loan types do you offer?
We provide home loans, auto loans, personal loans, credit cards, and student loan options with competitive rates.
Are there surcharge fees for ATMs?
Access 55,000 surcharge-free ATMs nationwide through our CO-OP network.
Do you offer financial education?
Yes, we provide free workshops and one-on-one counseling for budgeting, debt management, and financial planning.
Can I bank remotely?
Our 24/7 digital banking platform allows account management via mobile app or website from any location.
What community programs do you support?
We fund scholarships, sponsor financial literacy initiatives, and partner with Victory Junction Gang Camp for children's healthcare.
