Simpler. Better. More For You.

1 APY = Annual Percentage Yield. APYs accurate as of 1/1/2026. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. Qualifications and rewards may vary by account. Monthly receipt of electronic statements, log into online banking, and twelve (12) debit card transactions are conditions of this account. For Summit High Yield account, if qualifications are met during a Monthly Qualification Cycle, (1) Balances up to $10,000 receive APY of 6.00%; and balances over $10,000 earn 0.50% dividend rate on the portion of balance over $10,000, resulting in a range from 6.00% to 1.00% APY depending on the account’s balance and (2) you will receive reimbursements up to $20 for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. Dividends and ATM fee reimbursements will be credited to your Summit High Yield account on the last day of statement cycle. When Summit High Yield qualifications are not met, all balances in the account earn 0.05% APY and ATM fees are not refunded. Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. ATM-processed transactions do not count toward qualifying debit card transactions. Transfers between accounts do not count as qualifying transactions. “Monthly Qualification Cycle” means a period beginning one (1) day prior to the first day of the current statement cycle through one (1) day prior to the close of the current statement cycle. The advertised Summit High Yield APY is based on compounding dividends. The SaverPlus APY may be less than Summit High Yield APY. If qualifications are met in your Summit High Yield or Cash Back account during the Monthly Qualification Cycle, the balance in the SaverPlus earns 2.00% APY. If Summit High Yield or Cash Back qualifications are not met, the balance in the SaverPlus earns 0.05% APY. Limit one (1) Rewards checking and SaverPlus per social security number. View schedule of fees.

2 With qualification and $10,000 balance maintained

3 Early Pay requires: 1) a checking or savings account with Cinfed Credit Union; 2) a recurring qualifying direct deposit; and 3) a valid email address. Early Pay is automatic and has no fee requirements. Participation is subject to approval and may take up to 60 days to identify deposits that qualify. Some direct deposit types not eligible; not all employers send deposits early; deposit timing depends on employers and is not controlled by Cinfed. Early Pay service not guaranteed in case of unanticipated circumstances. 

4 APYs accurate as of 1/1/2026. Rates and rewards are variable and may change after account is opened. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. Qualifications and rewards may vary by account. Monthly receipt of electronic statements, log into online banking, and twelve (12) debit card transactions are conditions of this account. When Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive 6.00% cash back on up to a total of $100.00 in debit card purchases that post and settle to the account during that cycle period. A maximum of $6.00 cash back may be earned per Monthly Qualification Cycle. You will also receive reimbursements up to $20.00 for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. Cash back payments and ATM fee reimbursements will be credited to your Cash Back account on the last day of statement cycle. When Cash Back qualifications are not met no cash back payments are made and ATM fees are not refunded. Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. ATM-processed transactions do not count toward qualifying debit card transactions. Transfers between accounts do not count as qualifying transactions. “Monthly Qualification Cycle” means a period beginning one (1) day prior to the first day of the current statement cycle through one (1) day prior to the close of the current statement cycle. If member has a SaverPlus account, cash back payments earned in Cash Back account are automatically transferred to SaverPlus each statement cycle. If qualifications are met in your Summit High Yield or Cash Back account during the Monthly Qualification Cycle, the balance in the SaverPlus earns 2.00% APY. If Summit High Yield or Cash Back qualifications are not met, the balance in the SaverPlus earns 0.05% APY. Limit one (1) Rewards checking and SaverPlus per social security number. View schedule of fees.