The Summit Credit Union Rochester NY | Best Auto Loans & Rewards Cards

Introduction

Welcome to The Summit, where your financial well-being is our top priority! Located at 100 Marina Dr, Rochester, NY 14626, we have been proudly serving our community since 1941. With a strong commitment to our members, we currently support over 95,000 individuals who trust us with their financial journeys. At The Summit, we believe in building lasting relationships and providing exceptional services tailored to your needs. Our total assets of $1,352,881,336 reflect the robust foundation we have established, allowing us to offer competitive rates on various loans and deposits. As of now, our members enjoy a total deposit amount of $73,606,513, ensuring that their savings are secure and growing. Led by our dedicated CEO, Laurie Baker, and Board President Christian Modesti, our team of 253 employees is here to assist you every step of the way. We understand that navigating finances can be daunting, which is why we offer a range of services including personal banking solutions, auto loans, mortgage options, and business banking services. While members can visit us at our branch location for personalized service, official correspondence should be directed to our mailing address: 100 MARINA DR, ROCHESTER, NY 14626-5104. With a net worth of $144,591,455 and cash readily available at $3,677,137, we pride ourselves on maintaining a sound financial position that allows us to reinvest in the community and provide excellent service. Ready to take the next step towards achieving your financial goals? Call us today at (585) 453-7000 or visit our website at summitfcu.org to learn more about how we can help you thrive!

Branch History & Mission

At The Summit, we take pride in our rich history and unwavering commitment to the community of Rochester, NY. Founded in 1941, our branch has grown from a modest beginning into a vibrant credit union that serves over 95,000 members. With total assets exceeding $1.35 billion, we stand as a pillar of financial support and guidance for individuals and families alike. Located at 100 Marina Dr, Rochester, NY 14626, our branch is not just a place for transactions; it's a community hub where relationships flourish. We believe that everyone deserves access to affordable financial services, which is why our mission centers around empowering our members through personalized banking solutions. From checking and savings accounts to auto loans and mortgages, we offer a wide range of products tailored to meet diverse needs. Over the years, The Summit has embraced change while staying true to its core values. Our commitment to innovation is evident in our online banking services that allow members to manage their finances easily from anywhere. While we do not have ATMs or drive-thru facilities at this location, our dedicated team is always ready to assist you during our operating hours: 8:00 am - 5:00 pm, Monday through Friday. In addition to providing exceptional financial services, we prioritize community outreach and engagement. Our partnerships with local organizations ensure that we are not just serving our members but also making a positive impact on the Rochester area. Whether it's sponsoring local events or supporting charitable initiatives, we aim to uplift those around us. While members can visit us at 100 Marina Dr, official correspondence should be sent to 100 MARINA DR, ROCHESTER, NY 14626-5104. We invite you to join The Summit family and experience the benefits of being part of a credit union that genuinely cares about your financial well-being and community growth. Together, let's reach new heights! For more information or to become a member today, please call us at 585-453-7000 or visit our website.

Branch Location & Accessibility

Accessibility Features

Our branch offers a welcoming environment for all. We have ample parking available right outside, making it easy for you to pop in whenever you need assistance. Plus, our facility is fully ADA compliant, ensuring that everyone can access our services comfortably.

Operating Hours

We're here for you during the week! Our lobby hours run from 8:00 am to 5:00 pm, Monday through Friday. Whether you need to open an account or discuss loan options, our dedicated team is ready to help you during these hours.

Services Offered

At The Summit, we provide a range of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage financing, we're equipped to assist you every step of the way. While we currently do not offer ATM services or drive-thru banking at this location, our staff is always available to guide you on how to access your funds easily. If you're looking for more information or have any questions, don't hesitate to reach out! You can give us a call at 585-453-7000. We invite you to visit us soon and discover how The Summit can help you achieve your financial goals.

Member Eligibility

At The Summit, we believe that everyone deserves the chance to join a community that supports their financial journey. Becoming a member is simple and welcoming. If you live, work, worship, or attend school in our local area, or have a family member who is already part of our credit union, you're likely eligible to join! This means you can access all the great benefits we offer, like competitive rates on loans and savings accounts, personalized service, and a range of financial products tailored just for you. To get started with your membership at The Summit, simply visit us at 100 Marina Dr Rochester Ny 14626 or give us a call at (585) 453-7000. We make the account opening process easy! You can find more details about eligibility and how to open an account on our website here: https://tscu.bd.digitals.dmattercloud.com/landingpage. We encourage you to check out our membership criteria for any updates or specifics! Join us today and experience the difference of being part of The Summit.

Business Banking & Commercial Services

Commercial Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. Additionally, we also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, our merchant services streamline payment processing so you can focus on what matters most your customers. Imagine having a quick and efficient way to accept payments that enhances your customer's shopping experience. This means faster transactions and happier clients, allowing your business to grow without the hassle. Visit us at 100 Marina Dr Rochester Ny 14626 in Rochester, NY, or call us at (585) 453-7000 to learn more about how we can assist you in reaching your business goals. Together, let's build a brighter future for your enterprise!

Comprehensive List Of Services

Business Banking Services

For our members who own businesses, we haven't forgotten about you! Our business banking services, including merchant services and business loans, are designed to support your entrepreneurial journey. Whether you need assistance with day-to-day transactions or funding for expansion, we've got solutions tailored just for you.

Credit Cards and Rewards

Don't forget about rewards! With our credit cards featuring rewards programs, you can earn points on everyday purchases that can be redeemed for travel, merchandise, or cash back. It's like getting paid for spending what could be better?

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking features that let you manage your finances from anywhere at any time. You can pay bills, transfer funds, or check account balances with just a few taps on your smartphone. We also provide easy access to ATM and cash withdrawal services, ensuring that no matter where you are in Rochester, NY, accessing your money is hassle-free.

Get in Touch

Located at 100 Marina Dr Rochester Ny 14626, we invite you to visit us or reach out at (585) 453-7000 during our operating hours from 8:00 am - 5:00 pm Monday through Friday. At The Summit, we are committed to serving our members with the highest level of care and attention. Discover how our wide array of financial services can empower you today by visiting us online at The Summit Fcu. Your financial journey starts here!

Personal Banking Solutions

Starting with personal banking, we offer a variety of checking and savings accounts to fit different lifestyles. Imagine having the flexibility to access your funds easily while earning interest on your savings. Our accounts are user-friendly and perfect for managing your daily expenses or saving for something special. When it comes to financing, our auto loans and vehicle financing options make purchasing a new car straightforward and affordable. Picture yourself driving off in that new vehicle without the stress of complicated loan terms just simple, transparent options designed to fit your budget. For those considering home ownership or refinancing an existing mortgage, our mortgage loans provide competitive rates and personalized service. We know buying a home is one of the biggest decisions you'll make, so we're here to guide you through every step of the process. If you're facing unexpected expenses or need to consolidate debt, our personal loans offer quick access to cash with flexible repayment plans. We believe everyone deserves a second chance when it comes to financial stability.

Digital & Online Banking

Key Services

Our online banking platform allows you to check balances, make transfers, and pay bills with just a few clicks. We also offer person-to-person transfers, making it easy to send money to friends or family without any hassle. Want to go paperless? You can sign up for e-statements, which provide a quick and secure way to view your account statements online.

Security and Accessibility

Security is our top priority. While we do not currently support electronic signature authorization or mobile payments, our online banking system employs robust security measures to keep your information safe. You can rest easy knowing that your financial data is protected.

User-Friendly Experience

With our user-friendly interface, navigating through your accounts is a breeze. Even if you're not tech-savvy, you'll find everything you need right at your fingertips. Although we don't have a dedicated mobile application yet, you can easily access our website from any smartphone or tablet. At The Summit, we're committed to providing you with the tools you need for real-time account management while ensuring a secure banking experience. Explore all that we offer by visiting https://www.summitfcu.org/ today!

Financial Strength

Growing Community Trust

We're proud to have built a strong community of trust with 188,315 total share accounts. This growth shows that our members rely on us for their financial needs an affirmation of the stability and reliability we strive for every day. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, The Summit is your trusted partner. Visit us at 100 Marina Dr Rochester Ny 14626 or call (585) 453-7000 to learn more about how we can help you achieve your financial goals.

Investing in Your Future

With $124,240,311 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is robust as we have $22,468 in used auto loans and a total of $1,144,430,854 in loans and leases available to support your financial aspirations across various sectors.

Member-Centric Savings

Your savings are secure with us. We hold $430,525,811 in share certificates and $317,993,602 in money market shares, offering stable and rewarding financial growth opportunities tailored to meet your goals. Unlike traditional banks, we prioritize our members; with non-member deposits at $25,722,158, we ensure our resources focus on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our commitment to operational efficiency is reflected in our $0, which enables us to continue offering competitive loan rates and solid financial products for our members. Additionally, we pride ourselves on having 246 full-time employees and 7 part-time employees who are dedicated to serving you with knowledge and care.

Strong Financial Health

With a net worth of $144,591,455, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,068 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $424,501,031 in used vehicle loans and $338,132,492 in new vehicle loans already helping members get on the road. Whether you're purchasing a brand-new model or a reliable used vehicle, our financing options are flexible and tailored to meet your needs.

Credit Lines and Unsecured Loans

In addition to auto and mortgage loans, we provide access to credit lines totaling $679,605,578. This means you have the flexibility to draw funds as needed for unexpected expenses or planned purchases. We also offer flexible terms on unsecured credit card loans, with a total of $28,173,948 in loans helping members manage their finances effectively. If you're considering refinancing any existing loans or want to explore eligibility options for any of our products, feel free to reach out. Our team is ready to assist you in finding the right solution that fits your financial situation. All performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At The Summit, we're committed to providing straightforward financial solutions that empower our members every day. Whether it's buying a car or making your dream home a reality, we're here for you!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $112,630,740. This could be your stepping stone towards owning a home without the hassle often associated with mortgages.

Loan Aggregator

Benefits of Using LendMesh

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How LendMesh Ensures Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This ensures that users receive fair and transparent offers that reflect current market conditions. Each lender's information is verified, allowing for accurate comparisons.

The Summit