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1st Summit Bank


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/5/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/5/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/5/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/5/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/5/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/5/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
1stsummit.com
814-262-4010
125 Donald Lane
Johnstown, PA 15904

1st Summit Bank is headquartered in JOHNSTOWN and is the 39th largest bank in the state of Pennsylvania. It is also the 776th largest bank in the nation. It was established in 1924 and as of March of 2025, it had grown to 204 employees at 17 locations. 1st Summit Bank's money market rates are 2X the national average, and it has a B+ health rating.

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Health
B+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #8426
Year Established1924
Employees204
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.25%
Return on Equity - YTD3.69%
Annual Interest Income$14.4MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$1.43B$1.36B
LoansQ1 2025vs Q1 2024$784.5MM$756.9MM
DepositsQ1 2025vs Q1 2024$1.19B$1.2B
Equity CapitalQ1 2025vs Q1 2024$96.9MM$94.2MM
Loan Loss AllowanceQ1 2025vs Q1 2024$6.1MM$7.8MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$2.6MM$5.9MM
Real Estate OwnedQ1 2025vs Q1 2024$449K$807K
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/5/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/5/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/5/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/5/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/5/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/5/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

1st Summit Bank Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%$0-Holiday Club w/ Automatic Deduction
2.00%$0-Vacation Club w/ Automatic Deduction
0.75%$0-Holiday Club w/o Automatic Deduction
0.75%$0-Vacation Club w/o Automatic Deduction
0.11%*$25k*-Statement Savings Accounts
OTHER TIERS: 0.06% → $50 - $25k
0.11%*$25k*-Smart Savers Club
OTHER TIERS: 0.06% → $50 - $25k

1st Summit Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%*$1m*-Insured Money Market Account
OTHER TIERS: 0.06% → $300 - $100k | 0.11% → $100k - $200k | 0.21% → $200k+ | 0.75% → $500k - $1m
1.00%*$1m*-Advantage Plus Money Management
OTHER TIERS: 0.06% → $0 - $100k | 0.11% → $100k - $200k | 0.21% → $200k - $500k | 0.75% → $500k - $1m
1.00%*$1m*-Business Insured Money Market Account
OTHER TIERS: 0.06% → $300 - $100k | 0.11% → $100k - $200k | 0.21% → $200k - $500k | 0.75% → $500k - $1m
1.00%*$1m*-Non-profit Insured Money Market Accounts
OTHER TIERS: 0.06% → $300 - $100k | 0.11% → $100k - $200k | 0.21% → $200k - $500k | 0.75% → $500k - $1m

1st Summit Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.11%*$25k*-Primetimer's Club Checking Accounts
OTHER TIERS: 0.06% → $300 - $25k
0.11%*$25k*-Peak Checking Accounts
OTHER TIERS: 0.06% → $300 - $25k
0.06%$1k-Business Now

1st Summit Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.01%$0-182 Day Best Relationship CD
2.01%$0-12 Month Best Relationship CD
2.01%$0-18 Month Best Relationship CD
2.01%$0-24 Month Best Relationship CD
2.01%$0-30 Month Best Relationship CD
2.01%$0-36 Month Best Relationship CD
2.01%$0-48 Month Best Relationship CD
2.01%$0-60 Month Best Relationship CD
1.86%$0-42 Month Best Relationship CD
1.76%$0-182 Day Great Going CD
1.76%$0-12 Month Great Going CD
1.76%$0-24 Month Great Going CD
1.76%$0-30 Month Great Going CD
1.76%$0-18 Month Great Going CD
1.76%$0-48 Month Great Going CD
1.76%$0-60 Month Great Going CD
1.76%$0-36 Month Great Going CD

1st Summit Bank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.51%$0-18 Month Best Relationship IRA
2.26%$0-18 Month Great Going IRA
2.26%$0-42 Month Best Relationship IRA
2.26%$0-12 Month Best Relationship IRA
2.26%$0-12 Month Great Going IRA
2.01%$0-42 Month Great Going IRA
0.51%$0-Variable Great Going IRA
0.51%$0-Variable Best Relationship IRA
Locations

Availability

Johnstown Area

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