Empower Your Financial Savvy

Through our free workshops members learn practical tips on how to reach goals and improve their personal finances.

Find answers you need.

Here we've compiled the questions we're asked most frequently by members. If you don't find the information you need, please contact us and we'll be happy to assist.

Withdraw cash surcharge-free at any CashPoints® ATM or Allpoint® ATM. Here are some of the retailers where you won't be charged a fee by the ATM owner to take out your cash: 

  • Circle K
  • Costco
  • CVS
  • Harris Teeter
  • Kroger
  • Safeway
  • Sheetz
  • Speedway
  • Target
  • Walgreens
  • Winn-Dixie

Use our interactive ATM and Branch Locator map to find surcharge-free ATMs near you. A similar locator is also conveniently located in the main menu of our Digital Banking app, appearing as "Locations".

Keep these points in mind when using your Summit Credit Union Debit Card:

  • We allow up to five free ATM transactions each month at any non-Summit Credit Union ATM.
  • Transactions on Summit Credit Union-owned ATMs are always free to Summit Credit Union members regardless of the number of transactions.
  • You can also use the surcharge-free ATMs at locations of State Employees' Credit Union, Piedmont Advantage Credit Union, Coastal Federal Credit Union, Allegacy Federal Credit Union, and Truliant Federal Credit Union.

The CashPoints® ATM Network is owned by State Employees’ Credit Union.

In addition to Summit Credit Union branches and ATMs, qualified members may also access in-branch services at more than 5,000 CO-OP Shared Branches nationwide, some with weekend hours. Use our interactive ATM and Branch Locator map to find a CO-OP Shared Branch near you where you can take care of various tasks, such as:

  • Check-cashing
  • Deposits and withdrawals
  • Funds transfer between accounts
  • Account inquiries
  • Loan payments, advances and disbursements

No, we do not have a minimum balance requirement. Our checking account comes with no strings attached.

Our mobile app is available at no cost to you on Google Play Store and Apple App Store when using a supported device. Using the device, follow the appropriate store link or search your store app for "Summit CU Digital" and look for the icon shown below.

Icon for the Digital Banking app

Log into Digital Banking and select “Change Address” under the “User Options” tab. You also can visit a Summit Credit Union branch and complete a Change of Address Form provided by a Summit Credit Union team member.

To add or change a joint owner or change your name, you must fill out an Account Update Form, available from a Summit Credit Union team member at one of our branches. 

For questions on how to update your account, please text or call our Member Service Call Center at 336-662-6200.

Your 7-digit account number can be located via Digital Banking or by contacting our Member Service Call Center 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.

To make a wire transfer, text or call our Member Service Call Center. You will need the following details:

  1. Receiving institutions name and ABA routing number
  2. Receiving person's name and account number
  3. 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.


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. 

Log into Digital Banking and choose "Reorder Checks" under the “Services” tab. You can also order directly through the Deluxe website.

For a lost or stolen credit card, call 336-662-6200 Monday-Thursday, 7:30 AM - 5:30 PM and Friday, 7:30 PM - 6:00 PM. After hours, call 800-991-4964.

To start a direct deposit, members must contact the depositor and provide the following:

  • Summit Routing and Transit Number: 253176118
  • The correct account number:
    • For deposits being directed to checking, members should provide the 10-digit number that appears at the bottom of their checks.
    • For deposits being directed to savings, members should provide their 7-digit member number.

Direct deposits are typically posted to member accounts prior to the start of business, except for exceptions that need to be hand posted.

Our hassle-free Bill Payer service is a no-cost service for our members who are signed-up for e-statements. Just tell us which bills to pay and we do the rest.

Our lower-cost Emergency Loans help cover your immediate needs, and maybe leave you with something extra to jump-start a savings plan.

We offer the same low rate for both new and used vehicles. Our current auto loan rates    can be found here.

For hours for a specific branch location or call center, visit our Locations page.

Our mobile app is your on-the-go branch where you can make deposits, initiate a loan application, transfer funds, check your credit score, and much more.

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.

For Fixed rate Conventional, FHA, and USDA loans, a borrower needs to have at least a 640 and above credit score. There are some programs that will allow below 640, but very few and are very hard to get an approval on.

There are two First Time Home Buyer loans that require 3% of the purchase price as down payment and a third one that requires 3.5%. If you have owned a home in the last 3 years, then you are required to put 5% down on a Conventional loan or 3.5% on an FHA loan. USDA and VA loans may allow for no down payment.

Members have access to their accounts 24/7 through Digital Banking. Transactions can be completed nationwide through CO-OP Shared Branch and surcharge-free ATMs. Visit our Locations page to find a branch or ATM nearest you.

A Credit Score Analysis is a no-cost, in-depth review of your credit history using a recently pulled soft-pull credit report. We analyze the report with you and from there, will offer personalized suggestions on how you can improve your credit score.

A HELOC is a variable-rate real estate loan that allows you to use up to 100% of the equity in your home to use when you need it over a 15-year period. As you repay the funds, you can use them again for other purposes.

It's an instant-access loan account. Tap into it anytime to make purchases, cover repairs, pay tuition bills - or do anything else life calls for.

If a member’s car is a total loss due to collision or theft, GAP (Guaranteed Asset Protection) helps cover the difference between the insurance company’s settlement and the outstanding loan balance. GAP is offered at loan closing, but is not required and is not a factor in determining whether to grant a loan. GAP insurance protects the borrower for the life of the loan and the one-time cost is added to the initial loan balance.


A Home Equity Loan allows you to use the equity in your home to take care of a financial need, such as home improvements, debt consolidation, education, and more. Home Equity Loan is a fixed-rate loan that is a one-time only advance. HELOCs is a revolving line of credit that you are able to pay-off and reuse during a 15-year period.

Summit Credit Union's Auto Buying Service is our no-cost service we offer to members through Enterprise Car Sales to assist with locating a new or used vehicle you are looking for at the very best price.

We offer flexible payment terms, up to 96 months.

Our Home Loan rates change daily. Our current rates can be found here.

If you are only doing a refinance to payoff the first mortgage and nothing else, then you are allowed to go to 95% of the current value of the home. If you are paying off any other debts or getting cash-out, then you are limited to 80% of the current value of the home. There are some specialty loans that allow different amounts, but those are considered Non-Conventional loans.

A good way to establish yourself as a responsible borrower - and build your credit score - is through on-time loan payments. From a loan, Visa loan, to an auto loan, we can help you get your credit score back on track.

Our Christmas Club gives you a way to save money for end-of-year expenses. An account can be opened anytime during the yea and can be accessed October 1 each year. You are able to take a partial withdraw prior to October 1 with a $5 fee.

As a member, you have access to over 56,000+ surcharge-free ATMs nationwide. Find ATMs in many well-known retailers, including Target, Speedway, Costco, CVS, Harris Teeter, Walgreens, Sheetz, and more. Use our ATM and Branch Locator map to find surcharge-free ATMs near you.

We have eight branches across North Carolina with locations in Greensboro, Hickory, High Point, Oxford, Raleigh, and Winston-Salem.

Your $5.00 on deposit in your savings account means you own one share of the Credit Union and are a part owner with full voting rights. Once you are a member/owner, you are eligible to take advantage of the other services available at the credit union. If your savings balance falls below the $5.00 requirement, you will need to make a deposit to bring the balance back to $5.00 to maintain your membership.

Your FICO® Score determines the likelihood the loan will be repaid and lenders will review this during the loan process. Generally, the higher the credit score, the lower the interest rate.

Summit Credit Union is a full-service financial institution with eight branches throughout North Carolina.

Banking Where You Need It

Bank from anywhere, anytime. Digital Banking is available to members 24/7.