Find a bank near Madison or Milwaukee, WI. You must be a member of The Summit FCU to take advantage of its products and services. Summit Credit Union has been open since 1935. Whether personal or business, we'll help you manage your money. Founded in 1935, the mortgage lender grew considerably after several mergers with other credit unions within the state.. For home equity lines of credit: Rate is variable rate of Prime rate as published in the Wall Street Journal plus a margin ranging from 0% to 2.5%, and will never fall below the floor rate of 4.00% and will never exceed 18.00%. National Credit Union Administration, a U.S. Government Agency. 1 If refinancing a Summit Auto Loan, you must increase the outstanding loan balance by at least $1,000. ... We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. Member Service (585) 453-7000 | (800) 836-SFCU Corporate Headquarters The Summit Federal Credit Union Canal Ponds Business Park 100 Marina Drive Construction A construction loan can be a short term (aka interim construction) loan that covers the period while the home is being built with periodic disbursements to the contractor(s) as construction progresses. “On average, credit unions offer lower rates on mortgage loans,” says Long. Explore Resources Apply. The Summit’s loan programs, rates, terms, and conditions are subject to change without notice. A free inside look at Summit Credit Union salary trends based on 135 salaries wages for 70 jobs at Summit Credit Union. ... Mortgage Rates. Quoted rates assume purchase money mortgage, single family, owner occupied dwelling with loan amount of $150,000 and a purchase price of $200,000 using a 30-day lock with a minimum credit score of 740. Fixed-Rate Loans. Search. The current offered rates 6 are: 15-Year Repayment Term: between 6.00% and 11.00% APR Find maximum loan amount My annual income is. If you have questions about the home loan process, credit requirements, down payment needed, etc. Rates as low as 8.25% up to 60 months: Share Secured: 3.50% -- (Certificate Secured 2% above CD Yield) Visa Credit Card: Rates as low as 10.75%: Holiday & Vacation Loans: Rates as low as 10.00% for up to 10 months: Handi/Cash Loan: 39% with a 5% advance fee -up to $500 for 90 days If you move, retire or change jobs, they’ll always be here for you. Better than dealer Loan Protection, GAP, and Warranty Coverage; N.A.D.A. It's the 2nd largest credit union in Wisconsin with assets totaling $4.24 Billion and providing banking services to more than 203,000 members. Summit Credit Union has been open since 1935. Contact SFCU staff for more information about applicable fees and terms. Office: (585)453-7287; Cell Phone: (585)329-4488; Fax: (585)453-7216; Email: nannini@summitfcu.org 100 Marina Drive Rochester, NY 14626; NMLS Registry Number - 671515; I have been with The Summit for 15 years and in the mortgage business since 1991. Mortgage loans are only available for owner-occupied 1-4 family properties located in New York State. Salaries posted anonymously by Summit Credit Union employees. *100% financing is available for well qualified buyers. Summit Credit Union offers competitive RATES for all its savings and loan options! You must be a member of The Summit FCU to take advantage of its products and services. Rates may change daily. To obtain the best home loan rate, shop around with multiple lending institutions. Anyone can join Summit Credit Union, and once you're a member, you're a member for life. Search form. As of 03/17/2020, the Prime rate was 3.25%. A loan guaranteed by the Veteran's Administration with little or no down payment. Today's Rates. Terms up to 10 years Summit now has over 168,000 members throughout Wisconsin and 34 different branch locations. National Credit Union Administration, a U.S. Government Agency. 10021 E. 66th Terrace, Raytown, MO 64133 | NMLS# 459083. Ideally, you want a price that's at least equivalent to, or even better below, the existing average price for the loan product you're interested in. It's the 2nd largest credit union in Wisconsin with assets totaling $4.24 Billion and providing banking services to more than 203,000 members. Pricing Available; Get preapproved today or call our 24/7 Loan Call Center at 336-662-6202 or 800-288-5252. These loans are available only to qualifying veterans for the purchase or refinance of a home, which is for their own personal occupancy. Apply Now. Serving Central & Western New York Contact us at (585)453-7010 or (800)836-7328 extension 7010. Will likely pay a lower interest rate over the first 10 years of your loan (vs. a fixed rate loan) No mortgage insurance with equity or a down payment of at least 10% And like every Summit mortgage, your loan will be serviced directly by Summit Routing # 275979034 Copied to clipboard; Join; Meet; Locate Mortgage Rates; Application Tips; Mortgage Checklist Our Mortgage Originators are only a phone call away if you need help. The rate you receive depends upon the credit qualifications of the borrower or cosigner (if applicable) and the repayment term selected. And finally, since they’re a not-for-profit financial cooperative, all of their earnings are redistributed right back to their members. Rates are subject to change without notice. You must be a Summit member to apply. Home; Resources and Tools. All mortgage programs at The Summit Federal Credit Union require credit and property approval. Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. Home Loans; Purchase or refinance, fixed- and variable-rate home loans are available. It's the 2nd largest credit union in Wisconsin with assets totaling $4.24 Billion and providing banking services to more than 203,000 members. Summit Credit Union has been open since 1935. The Annual Percentage Rate (APR) for our student loan refinance program is fixed 5 for the life of the loan. Comparing rates from three, 4 or more loan providers helps ensure you're getting competitive offers on a new home loan or a refinance. Member eligibility required. The process of obtaining a new mortgage, usually at a lower rate, to repay and replace an existing mortgage. Loans are subject to credit approval and certain limitations may apply. New SFCU loans only. Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. Whether you're buying, building or fixing up a home, Summit is here to help answer any questions you may have, and make sure you're asking the right ones too. Summit is Wisconsin’s largest credit union. Receive a lump sum of money with a Fixed-Rate Loan or borrow money as needed with a revolving Line of Credit. All loan rates are fixed except the Home Equity Line of Credit. A Home Equity Loan from your Credit Union can provide you with the cash you need for home improvements, college tuition, debt consolidation, or to take a much-needed vacation. You can see all the loan specifics and disclosures by clicking the Payment amount for each loan program. love your mortgage Set up your auto-pay with a United checking account and get a 0.125% 1 discount on your rate.. Loan Payment Examples: Signature Loan: $5,000 for 36 months at 6.25% APR = $153.07/mo. Member Service (585) 453-7000 | (800) 836-SFCU Corporate Headquarters The Summit Federal Credit Union Canal Ponds Business Park 100 Marina Drive Mortgage loans are only available for owner-occupied 1-4 family properties located in New York State. All rates quoted are based on a purchase of a single family, primary residence for properties located in Genesee, Livingston, Monroe, Ontario, Orleans, Seneca, Steuben, Wayne, Wyoming, and Yates Counties in the state of New York that have a 96.5% loan to value (LTV) and at least a 680 credit score with a 60-day rate lock period. Count on Summit Credit Union as your financial advisors. MORTGAGE RESOURCES. The rates shown are the best rates available. All mortgage programs at The Summit Federal Credit Union require credit and property approval. All terms and conditions may change at anytime without prior notice. Our goal is to provide the highest level of service at competitive rates. 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