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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
HIGH POINT Rates & Review March 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: March 20, 2026
HIGH POINT's 4 Month Special CD rates are at 2.50%, 25 Month Special CD rates are at 1.90%, 60 month CD rates are at 0.85%, 48 month CD rates are at 0.80%, 36 month CD rates are at 0.65%. HIGH POINT's savings rates are at 0.80%. HIGH POINT's Personal Loan Rates are at 4.24%. MonitorBankRates evaluates the financial stability of HIGH POINT with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.94%. Rates were last updated on 03/20/2026. HIGH POINT 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 HIGH POINT? Share your experience about HIGH POINT by leaving a review below, or read customer reviews before you decide to use HIGH POINT. 
HIGH POINT CD Rates
HIGH POINT Savings Rates
HIGH POINT Checking Rates
HIGH POINT Auto Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for HIGH POINT 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 HIGH POINT 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 HIGH POINT's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
HIGH POINT
Website
http://highpointfcu.com
Address
234 Homer St,
Olean, NY 14760
Phone
716-372-6607
Fax
President
Michele Pancio
CEO
Richard Yeager
Full-Time Employees
81
Part-Time Employees
3
Branch Locations
5
ATM Locations
4
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.94%
Return on Assets (ROA)
0.2553%
Return on Equity (ROE)
1.8036%
Non-Performing Loans Ratio (NPL)
0.53%
Total Assets
410,057,092
Total Amount of Shares and Deposits
355,619,368
Total Shares and Deposits < 1 Year
348,863,968
Total Shares and Deposits 1 3 Years
6,218,649
Total Shares and Deposits > 3 Years
536,749
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
27,676,327
Total Uninsured Shares and Deposits > $250K (F+J)
27,676,327
Total Insured Shares and Deposits > $250K (item 17 less item K)
327,943,041
Total Interest Expense (Sum of items 6 8)
3,362,743
Share Certificates
2,329
Number of Accounts for Share Drafts
12,936
IRA KEOGH Accounts
930
Number of Accounts for Regular Shares
24,589
Money Market Shares
945
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
14,134,060
Total Liabilities
362,215,245
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About HIGH POINTIs HIGH POINT a safe place to deposit money?Yes, HIGH POINT is considered a safe financial institution. With a Texas Ratio of 1.9380929529361%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does HIGH POINT operate?HIGH POINT 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 HIGH POINT?Yes, to access services at HIGH POINT, 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, HIGH POINT 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, HIGH POINT provides members with tools to manage their accounts and build a solid financial history. Does HIGH POINT offer online and mobile banking?Most modern institutions like HIGH POINT 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: http://highpointfcu.com. Current HIGH POINT Rates
Retrieved from our database of financial products. Rates subject to change.
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