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High Point Federal Credit Union

High Point Federal Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/24/2025
3.80%
Our Rating
4.2  / 5
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 1/24/2025
4.50%
Our Rating
3.5  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/24/2025
4.46%
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 1/24/2025
4.55%
Our Rating
4.2  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Overview / Commentary
www.highpointfcu.com
716-372-6607
1201 Wayne St
Olean, NY 14760

High Point Federal Credit Union is headquartered in Olean and is the 39th largest credit union in the state of New York. It is also the 850th largest credit union in the nation. It was established in 1972 and as of September of 2024, it had grown to 78 employees and 20,196 members at 6 locations. High Point Federal Credit Union's money market rates are 3X the national average, and it has a B+ health rating.

Field of Membership Restrictions

High Point Federal Credit Union is open to those who live, work, worship, or attend school in the New York counties of Allegany or Cattaraugus, or the Pennsylvania counties of McKean or Potter. Businesses and organizations in those counties are also eligible. Immediate family and household members of current members also qualify for membership.
See current membership details

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Health
B+

Data as of Q3 2024

Learn why bank health matters

Health Grade Components

Overall
NCUA #21083
Year Chartered1972
Employees78
Primary Regulator
Profit Margin
Return on Assets - YTD0.36%
Return on Equity - YTD3.31%
Annual Interest Income$11MM
Assets and Liabilities
AssetsQ3 2024vs Q3 2023$399.4MM$396.8MM
LoansQ3 2024vs Q3 2023$189.2MM$193.9MM
DepositsQ3 2024vs Q3 2023$349.8MM$363.6MM
Equity CapitalQ3 2024vs Q3 2023$42.9MM$30.8MM
Loan Loss AllowanceQ3 2024vs Q3 2023$2MM$2.3MM
Unbacked Noncurrent LoansQ3 2024vs Q3 2023$1.1MM$873K
Real Estate OwnedQ3 2024vs Q3 2023$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/24/2025
3.80%
Our Rating
4.2  / 5
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 1/24/2025
4.50%
Our Rating
3.5  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/24/2025
4.46%
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 1/24/2025
4.55%
Our Rating
4.2  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Rates
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Always verify rates and promotions with the bank or credit union. We are not High Point Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

High Point Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.80%$0-IRA Savings
0.27%*$25k*-Primary Savings
OTHER TIERS: 0.20% → $300 - $10k | 0.25% → $10k - $25k
0.27%*$25k*-Youth Share Savings
OTHER TIERS: 0.20% → $5 - $10k | 0.25% → $10k - $25k

High Point Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.40%*$250k*-Money Market
OTHER TIERS: 0.25% → $2.5k - $25k | 0.30% → $25k - $50k | 0.35% → $50k - $100k | 0.75% → $100k - $250k

High Point Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%*$300*$10kmyDividendChecking
OTHER TIERS: 0.10% → $10k+

High Point Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.50%$500-7 Month CD Special
3.20%$500-15 Month CD Special
0.85%$500-60 Month CD
0.80%$500-48 Month CD
0.65%$500-36 Month CD
0.60%$500-24 Month CD
0.45%$500-12 Month CD
0.35%$500-6 Month CD
0.25%$500-3 Month CD

High Point Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.50%$500-7 Month IRA Special
3.20%$500-15 Month IRA Special
0.85%$500-60 Month IRA
0.80%$500-48 Month IRA
0.65%$500-36 Month IRA
0.60%$500-24 Month IRA
0.45%$500-12 Month IRA
0.35%$500-6 Month IRA
0.25%$500-3 Month IRA
Locations


High Point Federal Credit Union Locations
Branch Office1201 Wayne StOlean, NY 14760
Branch Office206 N Clark StOlean, NY 14760
Branch Office180 W Main StAllegany, NY 14706
Branch Office160 S Main StPortville, NY 14770
Corporate Office234 Homer StOlean, NY 14760
Branch Office1035 W Main StBradford, PA 16701

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