Whether you’re covering an unexpected emergency, consolidating high-interest debt or even taking advantage of a great opportunity that pops up – like an investment or once-in-a-lifetime trip – get the funds you need to feel secure in your next move.

Summit’s personal loan options can be an easy, lower-cost alternative to using a credit card. We can help you choose the right option for you – and it just takes minutes to apply online!

Great for a bigger one-time expense, like paying off high-interest debt, covering a dental bill or booking tickets for your sister’s destination wedding.

Get up to $20,000 fast – typically the same day you apply.
Choose terms from 24-60 months to fit your needs.
Lock in a competitive fixed rate and know your exact monthly payments – which makes budget planning easy.
Plus, there are no fees to get your loan set up or to access your funds, no annual fees, and no fees to pay off your loan early!

Enjoy ongoing access to funds that you can use as needed with an easy transfer from your credit line. Great for covering things with uncertain costs, like ongoing home improvements or relocating for a new job.

Get up to $20,000 fast – typically the same day you apply.
Pay interest only on the funds you use.
As you repay what you’ve borrowed, that money becomes available to use again.
Easily transfer funds right into your account through digital banking, or get access through our Contact Center, Teller Phone or branches.
Plus, there are no fees to get your loan set up or to access your funds, no annual fees, and no fees to pay off your loan early!

Protect yourself from declined transactions and avoid merchant changes for returned checks with automatic overdraft coverage. You'll know your bills will be paid on time so you can keep building a positive credit history!

Get access to your line of credit fast – typically the same day you apply.
Transfers in $50 increments are automatic and only when you need them.
Just a small $3 transfer fee per transaction (waived for Ultimate Checking accounts).
Plus, there are no annual fees and no fees to pay off your loan early!

Take advantage of the balance in your Certificate account early without penalty. Great for covering car repairs, a new computer when your other one overheats, and other costs that pop up.

Get up to $20,000 fast – typically the same day you apply.
Lock in a great, low rate.
Pay back the loan over time or all at once when your Certificate matures.
Watch as your Certificate continues its growth – still earning dividends while you repay your loan.
Plus, there are no fees to get your loan set up or to access your funds, no annual fees, and no fees to pay off your loan early!

Establish your credit or build up your positive credit history with a low-rate loan secured by your account balance. Also, a quick way to cover an emergency without having to drain your savings.

Get access to your funds fast – typically the same day you apply.
Lock in a fixed, low rate.
You’ll still earn dividends on your savings while you repay your loan.
Plus, there are no fees to get your loan set up or to access your funds, no annual fees, and no fees to pay off your loan early!

Get In Touch

Whether you're exploring your options, ready to apply, or just have questions, our team is here to guide you through every step of the way. We'll help you understand your choices and move forward with confidence.