My CU Club
- Rewards for doing business with us
- Perks based on account balances
- Save on financial services
We show a lot of love to people who are loyal to us.
Is Summit Credit Union your go-to financial institution? Great choice. All that business you do with us can earn you some pretty sweet deals on financial services.
Here's how My CU Club rewards work: You have deposit accounts at Summit Credit Union. You might have loan accounts here, too. We add up all your deposits and loan balances. The bigger that number, the more you can save on a wide range of services.
We also have a similar rewards system for kids and seniors. Does all this sound complicated? Really, it's not. Check out the charts below:
Club Categories
My CU Clubs can be an age-based category or a relationship category. Your club status is reviewed at the end of each month and printed on your statement.
Age-Based Category
Age-based categories are Kids Club, Youth Club, and Senior Club.
- Kids Club - Ages 0-12
- Youth Club - Ages 13-22
- Senior Club - Ages 55+
Relationship Category
Relationship categories are based on the total number of Qualifying Services you have combined with your total Qualifying Balance. Once you become a Premier Club member, you remain in the Premier Club for life.
Relationship Category
Relationship categories are based on the total number of Qualifying Services you have combined with your total Qualifying Balance. Once you become a Premier Club member, you remain in the Premier Club for life.
| Club | Minimum Qualifying Services | Minimum Qualifying Balance |
|---|---|---|
| Standard Club | 1 | $500 |
| Enhanced Club | 2 | $5,000 |
| Partner Club | 3 | $15,000 |
| Premier Club | 4 | $25,000 |
Relationship-Based Benefits
| = Free = Low Fee | Standard Club | Enhanced Club | Partner Club | Premier Club |
|---|---|---|---|---|
| Check Cashing | Free | Free | Free | Free |
| CO-OP Shared Branch Transactions | Free | Free | Free | Free |
| Low Balance Inactive Account Fee | Free | Free | Free | Free |
| Teller/Certified Check | Low Fee | Free1 | Free1 | Free |
| Membership Account Below $5 | Low Fee | Free | Free | Free |
| Returned Third-Party NSF Checks | Low Fee | Free | Free | Free |
| Check and Statement Copies Up to 10 Copies of each per year | Low Fee | Low Fee | Free | Free |
| Excessive Research and Balancing Assistance | Low Fee | Low Fee | Free | Free |
| Assisted Transfers or Balance Inquiries | Low Fee | Low Fee | Free | Free |
| History Printout | Low Fee | Low Fee | Free | Free |
| ACH Origination (One-Time) | Low Fee | Low Fee | Low Fee | Free |
| Over Five Non-Summit ATM Transactions in a Month | Low Fee | Low Fee | Low Fee | Free |
| Non-Sufficient Funds Fee (Check or ACH Returned – excluding Overdraft Privilege) | Low Fee | Low Fee | Low Fee | Free |
| Stop Payment By Check or ACH | Low Fee | Low Fee | Low Fee | Free |
| Checking Printing No cost Senior Club checks also available | Low Fee | Low Fee | Low Fee | Free2 |
| Counter Checks Maximum of eight checks | Low Fee | Low Fee | Low Fee | Free |
| Cash or Deposit of Non-Member Third-Party Checks | Low Fee | Low Fee | Low Fee | Free |
| Debit/Credit Card or PIN Replacement | Low Fee | Low Fee | Low Fee | Free |
1 One free per day
2 Available upon request
Qualifying Services
Qualifying Services are determined by how many unique Account Types you have. If you have multiple services of the same Account Type, they're considered one Qualifying Service. But the combined balance from all accounts is considered when determining your relationship category.
For example, consider that you have both a Membership Savings account and a Special Savings account. The chart shows these two services fall within the same Account Type and would therefore be counted as only one Qualifying Service. The same would be true for two auto loans or multiple Certificates. A Membership Savings and a Christmas Club, however, would count as two Qualifying Services because they're designated as separate Account Types.
| Account Type | Service |
|---|---|
| Membership or Special Savings |
|
| Christmas Club |
|
| Money Market |
|
| Certificate |
|
| Individual Retirement Account (IRA) |
|
| Checking (with Direct Deposit or eStatements) |
|
| Auto Loans |
|
| Motorcycle Loans |
|
| Boat Loans |
|
| Recreational Vehicle Loans |
|
| Personal Loans |
|
| Visa Credit Cards |
|
| Home Equity Line of Credit | |
| Fixed-Rate Home Equity Loan | |
| Secured Loans |
|
| Credit Builder Loans | |
| Emergency Loans |
Qualifying Balances
Your Qualifying Balance is the total of all your Summit deposits plus the total of all your Summit loan balances.
Please note that loans with payments over 10 days past due will not be included in your Qualifying Balance.
Linking Accounts
Spouses or life partners residing at the same address can link their accounts so the balances for both accounts will be combined to make the Qualifying Balance.
Just let us know which account you want linked to your primary account and we'll combine the balances from both accounts to determine your My CU Club category. Keep in mind, the Qualifying Services of the linked account are not able to be added.
To link accounts, text or call our Member Service Call Center at 336-662-6200 or visit any branch.
Summit Credit Union is a full-service financial institution with eight branches throughout North Carolina.
Frequently Asked Questions
Current employees of any of our business partners and their immediate family are able to join. To become a member, you must open a new Savings account by depositing at least $5. Opening a Savings account is fast and easy.
We have a list of all Business Partners available to you on our site. To suggest Summit Credit Union as a business partner, please consult with your HR Director.
We have eight branches across North Carolina with locations in Greensboro, Hickory, High Point, Oxford, Raleigh, and Winston-Salem.
To make a wire transfer, text or call our Member Service Call Center. You will need the following details:
- Receiving institutions name and ABA routing number
- Receiving person's name and account number
- Other relevant information, if necessary
Wire transfers are usually completed by 4:00 pm daily. Requests for transfers after 4:00 pm cannot be completed until the following day.
There is NO CHARGE to wire funds from another financial institution to your Summit Credit Union account. Funds may be wired to your account by providing the financial institution wiring your funds the following information:
| Item | Detail |
|---|---|
| Name | Catalyst Corporate Federal Credit Union |
| City | 6801 Parkwood Blvd. Plano, TX 75024 |
| ABA Routing Number | 311990511 |
| Name of Beneficiary | Summit Credit Union |
| Account Number | 253176118 |
| For Further Credit | Member Name Member Account Number and Suffix |
For International wire transfers into and out of your account, please contact our Member Service Call Center to assist you at 336-662-6200.
Text or call our Member Service Call Center and request to be removed from our mailing list for insurance and other marketing materials. This request will not stop your monthly statements from being mailed to the address on file.
If you have a discrepancy on your account from a merchant, contact the merchant or company regarding the charge. If the issue is not resolved, please text or call our Member Service Call Center. If the transactions are fraudulent, please contact us immediately to begin the dispute process.
Related Resources
Banking Where You Need It
Bank from anywhere, anytime. Digital Banking is available to members 24/7.