High Point Federal Credit Union
Headquarters
234 Homer St
Olean, NY 14760
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2025 Overview
General Credit Union Information
High Point is an NCUA insured institution located in Olean, NY. It was founded in 1972 and has approximately $401.77 millions in assets.
Who can join?
Persons who live, work, worship, or attend school in the City of Olean and the following Cattaraugus County townships: Ellicottville, Franklinville, Lyndon, Ischua, Humphrey, Great Valley, Little Valley, Allegany, Hinsdale, Portville, Olean, Knapp Creek, and Weston Mills. Also, employees of Heritage Cutlery, Inc., a subsidiary of Lunt Silversmiths, who work in Bolivar, New York, are eligible for membership.
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 21083 |
| Date Established | 1972 |
| Assets | $401.77 million |
| Loans | $191.47 million |
| Deposits | $353.59 million |
| Capital | $56.99 million |
Field of Membership Restrictions
Must live, work, worship or attend school in the City of Olean or the following Cattaraugus County townships: Ellicottville, Franklinville, Lyndon, Ischua, Humphrey, Great Valley, Little Valley, Allegany, Hinsdale, Portville, Olean, Knapp Creek or Weston Mill. Also open to employees of Heritage Cutlery, Inc., a subsidiary of Lunt Silversmiths in Bolivar, New York.
Deposit Rates - July 5, 2025
Your Current Location: New York, NY 10116
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| SAV
|
0.20% | $300 | $9,999 |
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|
| Share
|
0.25% | $10,000 | $24,999 |
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|
| Share
|
0.27% | $25,000 | - |
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|
|
Money Market
|
0.25% | $2,500 | $9,999 |
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|
|
Money Market
|
0.25% | $10,000 | $24,999 |
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|
|
Money Market
|
0.30% | $25,000 | $49,999 |
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|
|
Money Market
|
0.35% | $50,000 | $99,999 |
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|
|
Money Market
|
4.75% | $100,000 | - |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.35% | $500 | - |
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|
| 7 Month Special
|
5.25% | $0 | - |
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|
| 12 Mo CD
|
0.45% | $500 | - |
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|
| 15 Mo CD
|
3.75% | $500 | - |
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|
| 24 Mo CD
|
0.60% | $500 | - |
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|
| 36 Mo CD
|
0.65% | $500 | - |
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|
| 48 Mo CD
|
0.80% | $500 | - |
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|
| 60 Mo CD
|
0.85% | $500 | - |
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|
Loan Rates - July 5, 2025
Your Current Location: New York, NY 10116
There are currently no loan rates available for High Point
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - New York 30 Year Fixed Mortgage Rates 2025
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 292473 |
6.357% | 6.250% | 0.50 | $3,633 | $1,971 | Learn More |
NMLS ID: 401822 |
6.632% | 6.500% | 0.75 | $4,395 | $2,023 | Learn More |
NMLS ID: 3030 |
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NMLS ID: 401822 |
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Featured - New York Home Equity Line Of Credit Rates 2025
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
Intro APR 6.990 % After Intro: 6.990 % |
$0 |
Learn More
More Info |
Four Leaf Federal Credit Union See Table |
Intro APR 6.490 % After Intro: 7.750 % Intro Period: 12 months |
$25,000 |
Learn More
More Info |
Note to High Point
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Branches
Below are High Point branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
New York City,New York
High Point Locations around zip code 10116
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 251.33 | A | View Lobby Hours | |
| 253.59 | B | View Lobby Hours |
Climate Policy and Initiatives
HIGH POINT is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
High Point Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of High Point. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| High Point | U.S. Average |
|---|---|
| 3.57% | 7.07 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of December 31, 2024, High Point had $2,115,761 in non-current loans and $8,688 in owned assets. To cover these potential losses it had $56,994,373 in net worth and $2,578,622 in loans loss reserves. That gives it a Texas Ratio of 3.57%.
Net Worth
| High Point | U.S. Average |
|---|---|
| 14.19% | 14.25% |
High Point FCU has a net worth of 14.19% versus the BestCashCow average of 14.25. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for High Point
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