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 Summit Credit Union Cottage Grove, WI Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 30, 2026
Summit Credit Union Cottage Grove, WI's 16-Month CD rates are at 4.50%, 11-Month CD rates are at 4.30%, 7-Month CD rates are at 4.10%. Summit Credit Union Cottage Grove, WI's Express Mortgage Refinance - 20 Year Fixed rates are at 6.99%, Express Mortgage Refinance 20 Year Fixed rates are at 6.99%, Mortgage 30 Year Fixed rates are at 7.12%. Summit Credit Union Cottage Grove, WI's Auto Loan Rates are as low as 5.54%. Summit Credit Union Cottage Grove, WI's CD rates are 48% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Summit Credit Union Cottage Grove, WI with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.84%. Rates last updated and verified on 10/30/2026. Summit Credit Union Cottage Grove, WI money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Summit Credit Union Cottage Grove, WI? Share your experience about Summit Credit Union Cottage Grove, WI by leaving a review below, or read customer reviews before you decide to use Summit Credit Union Cottage Grove, WI. Summit Credit Union Cottage Grove, WI
Cottage Grove - Headquarters 1709 Landmark Dr
https://www.summitcreditunion.com Cottage Grove, WI 53527-8957  Customer Reviews
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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. Summit Credit Union Cottage Grove, WI CD Rates
Summit Credit Union Cottage Grove, WI Mortgage Rates
Summit Credit Union Cottage Grove, WI Home Equity & HELOC
Summit Credit Union Cottage Grove, WI Auto Loan Rates
Financial Health HistorySummit Credit Union Cottage Grove, WI’s Texas Ratio rose from 4.23% in Q3 2023 to 4.84% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Summit Credit Union Cottage Grove, WI is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Summit Credit Union Cottage Grove, WI rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Summit Credit Union Cottage Grove, WI's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Summit Credit Union Cottage Grove, WI
Address
1709 Landmark Dr,
Cottage Grove, WI 53527-8957
Phone
608-243-5000
Fax
President
Robert Lindner
CEO
Kim Sponem
Full-Time Employees
880
Part-Time Employees
58
Branch Locations
57
ATM Locations
59
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
4.84%
Return on Assets (ROA)
0.6282%
Return on Equity (ROE)
6.0728%
Non-Performing Loans Ratio (NPL)
0.65%
Total Assets
8,522,236,354
Total Amount of Shares and Deposits
6,850,128,977
Total Shares and Deposits < 1 Year
5,978,320,198
Total Shares and Deposits 1 3 Years
813,885,556
Total Shares and Deposits > 3 Years
57,923,223
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
1,063,514,591
Total Uninsured Shares and Deposits > $250K (F+J)
1,063,514,591
Total Insured Shares and Deposits > $250K (item 17 less item K)
5,786,614,386
Total Interest Expense (Sum of items 6 8)
98,864,792
Share Certificates
75,678
Number of Accounts for Share Drafts
216,018
IRA KEOGH Accounts
13,258
Number of Accounts for Regular Shares
370,721
All other shares
2,470
Non Member Deposits
272
Money Market Shares
37,215
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
449,851,663
Total Liabilities
7,663,087,423
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Frequently Asked Questions About Summit Credit Union Cottage Grove, WIDoes Summit Credit Union Cottage Grove, WI offer CDs?Yes. Summit Credit Union Cottage Grove, WI current CD rates include its 16-Month CD at 4.50% APY, its 11-Month CD at 4.30% APY and its 7-Month CD at 4.10% APY, verified by MonitorBankRates as of October 30, 2026. Are CDs from Summit Credit Union Cottage Grove, WI NCUA insured?Yes. Summit Credit Union Cottage Grove, WI is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Summit Credit Union Cottage Grove, WI?The highest Summit Credit Union Cottage Grove, WI CD rate is its 16-Month CD at 4.50% APY, verified by MonitorBankRates as of October 30, 2026. What CD terms does Summit Credit Union Cottage Grove, WI offer?Summit Credit Union Cottage Grove, WI CD rates are 4.10% APY for a 7 month CD, 4.30% APY for an 11 month CD, 4.30% APY for a 12 month CD and 4.50% APY for a 16 month CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Summit Credit Union Cottage Grove, WI for its full lineup. What is the lowest 30 year fixed mortgage rate at Summit Credit Union Cottage Grove, WI?The lowest Summit Credit Union Cottage Grove, WI 30 year fixed mortgage rate is its Mortgage 30 Year Fixed at 7.125%, verified by MonitorBankRates as of October 30, 2026. Summit Credit Union Cottage Grove, WI mortgage rates are 7.125% for a 30 year mortgage and 6.989% APR for a 20 year mortgage. What is the lowest auto loan rate at Summit Credit Union Cottage Grove, WI?The lowest Summit Credit Union Cottage Grove, WI auto loan rate is its Auto Loan - No Payments for 90 Days at 5.54% APR, verified by MonitorBankRates as of October 30, 2026. How many branches does Summit Credit Union Cottage Grove, WI operate?Summit Credit Union Cottage Grove, WI currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Summit Credit Union Cottage Grove, WI?Yes, to access services at Summit Credit Union Cottage Grove, WI, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Summit Credit Union Cottage Grove, WI does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Summit Credit Union Cottage Grove, WI provides members with tools to manage their accounts and build a solid financial history. Does Summit Credit Union Cottage Grove, WI offer online and mobile banking?Most modern institutions like Summit Credit Union Cottage Grove, WI provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.summitcreditunion.com. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Summit Credit Union Cottage Grove, WI rates compare?Summit Credit Union Cottage Grove, WI's CD rates are 48% higher than the MonitorBankRates national average, and it has an A+ health rating. Summit Credit Union Cottage Grove, WI's top rates are its 16-Month CD at 4.50% APY, its Express Mortgage Refinance - 20 Year Fixed at 6.989% and its Auto Loan - No Payments for 90 Days at 5.54% APR, verified by MonitorBankRates on October 30, 2026. Current Summit Credit Union Cottage Grove, WI Rates
Retrieved from our database of financial products. Rates subject to change.
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