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Summit Community Bank

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Summit Community Bank Rates & Review April 2026

Q: How many branches does Summit Community Bank operate?

Summit Community Bank currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Summit Community Bank 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Summit Community Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 16, 2026

Summit Community Bank's 10-Month Online CD rates are at 3.55%. MonitorBankRates evaluates the financial stability of Summit Community Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.42%. Rates were last updated on 04/16/2026.

Summit Community Bank 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 Community Bank? Share your experience about Summit Community Bank by leaving a review below, or read customer reviews before you decide to use Summit Community Bank.

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.42%

Excellent Lower than avg

Summit Community Bank

310 N Main St
Moorefield, WV 26836

https://www.mysummit.bank

Summit Community Bank CD Rates

Product	Rate	APY	Term	View More
10-Month Online CD	-	3.55%	10
No additional details. Last Updated 04/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.42%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Summit Community Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer 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 bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Summit Community Bank 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 Community Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Summit Community Bank

Bank Holding Company SUMMIT FINANCIAL GROUP INC

Address 310 N Main St, Moorefield, WV 26836 · Hardy

Website https://www.mysummit.bank

FDIC Certificate # 34102

Established 12/11/1995

FDIC Insurance Date 12/11/1995

Domestic Offices 57

Total Branches 0

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 98/100

5.0

Exceptional Out of 5.0 Stars

3.42%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.3528%

Return on Equity (ROE) 11.9600%

Non-Performing Loans (NPL) 0.28%

Total Assets $4,633,672,000

Total Deposits $3,778,807,000

Equity Capital $545,807,000

Net Income $18,328,000

Headquarters Moorefield

Total Offices 57

Source: FDIC | Last Updated 03/31/2024

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Summit Community Bank

Is Summit Community Bank a safe place to deposit money?

Yes, Summit Community Bank is considered a safe financial institution. With a Texas Ratio of 3.4186619697498%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

How many branches does Summit Community Bank operate?

Summit Community Bank 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 there a first-time homebuyer program?

Currently, Summit Community Bank 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 Community Bank provides members with tools to manage their accounts and build a solid financial history.

Does Summit Community Bank offer online and mobile banking?

Most modern institutions like Summit Community Bank 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.mysummit.bank.