What are the current interest rates at HIGH POINT?

Current rates for HIGH POINT include: 12-Month CD: 0.45%, 24-Month CD: 0.60%, 60-Month CD: 0.85%, Savings: 0.00%

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HIGH POINT

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HIGH POINT Rates & Review August 2026

Q: 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.

Q: 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.

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: August 28, 2026

HIGH POINT's 9 Month Special rates are at 2.75%, 15 Month Special rates are at 2.25%, 60 month rates are at 0.85%, 48 month rates are at 0.80%, 36 month rates are at 0.65%. HIGH POINT's savings rates are at 0.00%. 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 1.87%. Rates last updated and verified on 08/28/2026.

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.

Verified Strong Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.87%

Excellent Lower than avg

HIGH POINT
High Point FCU

234 Homer St
Olean, NY 14760

http://highpointfcu.com

HIGH POINT CD Rates

Product	Rate	APY	Term
9 Month Special	2.72%	2.75%	9 Months
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
15 Month Special	2.23%	2.25%	15 Months
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
60 month	0.85%	0.85%	60 Months
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
48 month	0.80%	0.80%	48 Months
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
36 month	0.65%	0.65%	36 Months
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
24 month	0.60%	0.60%	24 Months
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
12 month	0.45%	0.45%	12 Months
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
6 month	0.35%	0.35%	6 Months
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
3 month	0.25%	0.25%	3 Months
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%

HIGH POINT Savings Rates

Product	Rate	APY
Money Market Savings	0.90%	0.90%
Min Balance $250,000 Details APY=Annual Percentage Yield. To receive the disclosed APY, you must maintain a minimum average daily balance of $2,500 in your account. Minimum to earn dividends is $2,500. Rates subject to change without notice and may change after account is opened. Fees may reduce earnings. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
IRA Savings	0.80%	0.80%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Money Market Savings	0.50%	0.50%
Min Balance $100,000 Details APY=Annual Percentage Yield. To receive the disclosed APY, you must maintain a minimum average daily balance of $2,500 in your account. Minimum to earn dividends is $2,500. Rates subject to change without notice and may change after account is opened. Fees may reduce earnings. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Money Market Savings	0.35%	0.35%
Min Balance $50,000 Details APY=Annual Percentage Yield. To receive the disclosed APY, you must maintain a minimum average daily balance of $2,500 in your account. Minimum to earn dividends is $2,500. Rates subject to change without notice and may change after account is opened. Fees may reduce earnings. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Money Market Savings	0.30%	0.30%
Min Balance $25,000 Details APY=Annual Percentage Yield. To receive the disclosed APY, you must maintain a minimum average daily balance of $2,500 in your account. Minimum to earn dividends is $2,500. Rates subject to change without notice and may change after account is opened. Fees may reduce earnings. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Christmas Club	0.27%	0.27%
Min Deposit $25 Min Balance $25,000 Details APY=Annual Percentage Yield. To receive the disclosed APY, you must maintain a minimum average daily balance of $25 in your account. Rates are subject to change without notice. Fees may reduce earnings on the account. Clubs mature on 10/1 of each year. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Savings	0.27%	0.27%
Min Deposit $5 Min Balance $25,000 Details To receive the disclosed APY, you must maintain a minimum average daily balance of $300 in your account for the month. Rates are subject to change without notice. Fees may reduce earnings. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Youth Savings	0.27%	0.27%
Min Balance $25,000 Details APY=Annual Percentage Yield. To receive the disclosed APY, you must maintain a minimum average daily balance of $5 in your account. Rates are subject to change without notice. Fees may reduce earnings on the account. Minimum required to earn interest is $5. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Christmas Club	0.25%	0.25%
Min Deposit $25 Min Balance $10,000 Details APY=Annual Percentage Yield. To receive the disclosed APY, you must maintain a minimum average daily balance of $25 in your account. Rates are subject to change without notice. Fees may reduce earnings on the account. Clubs mature on 10/1 of each year. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Money Market Savings	0.25%	0.25%
Min Balance $2,500 Details APY=Annual Percentage Yield. To receive the disclosed APY, you must maintain a minimum average daily balance of $2,500 in your account. Minimum to earn dividends is $2,500. Rates subject to change without notice and may change after account is opened. Fees may reduce earnings. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Savings	0.25%	0.25%
Min Deposit $5 Min Balance $10,000 Details To receive the disclosed APY, you must maintain a minimum average daily balance of $300 in your account for the month. Rates are subject to change without notice. Fees may reduce earnings. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Youth Savings	0.25%	0.25%
Min Balance $10,000 Details APY=Annual Percentage Yield. To receive the disclosed APY, you must maintain a minimum average daily balance of $5 in your account. Rates are subject to change without notice. Fees may reduce earnings on the account. Minimum required to earn interest is $5. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Christmas Club	0.20%	0.20%
Min Deposit $25 Min Balance $25 Details APY=Annual Percentage Yield. To receive the disclosed APY, you must maintain a minimum average daily balance of $25 in your account. Rates are subject to change without notice. Fees may reduce earnings on the account. Clubs mature on 10/1 of each year. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Savings	0.20%	0.20%
Min Deposit $5 Min Balance $300 Details To receive the disclosed APY, you must maintain a minimum average daily balance of $300 in your account for the month. Rates are subject to change without notice. Fees may reduce earnings. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Youth Savings	0.20%	0.20%
Min Balance $25 Details APY=Annual Percentage Yield. To receive the disclosed APY, you must maintain a minimum average daily balance of $5 in your account. Rates are subject to change without notice. Fees may reduce earnings on the account. Minimum required to earn interest is $5. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Christmas Club	0.00%	0.00%
Min Deposit $25 Min Balance $0 Details APY=Annual Percentage Yield. To receive the disclosed APY, you must maintain a minimum average daily balance of $25 in your account. Rates are subject to change without notice. Fees may reduce earnings on the account. Clubs mature on 10/1 of each year. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
IRA Savings	0.00%	0.00%
Min Deposit $50 Details APY=Annual Percentage Yield, assumes the same rate for 1 year. Rates are subject to change without notice and may change after account is opened. Fees may reduce earnings. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Money Market Savings	0.00%	0.00%
Min Balance $0 Details APY=Annual Percentage Yield. To receive the disclosed APY, you must maintain a minimum average daily balance of $2,500 in your account. Minimum to earn dividends is $2,500. Rates subject to change without notice and may change after account is opened. Fees may reduce earnings. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Savings	0.00%	0.00%
Min Deposit $5 Min Balance $5 Details To receive the disclosed APY, you must maintain a minimum average daily balance of $300 in your account for the month. Rates are subject to change without notice. Fees may reduce earnings. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Youth Savings	0.00%	0.00%
Min Balance $0 Details APY=Annual Percentage Yield. To receive the disclosed APY, you must maintain a minimum average daily balance of $5 in your account. Rates are subject to change without notice. Fees may reduce earnings on the account. Minimum required to earn interest is $5. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%

HIGH POINT Money Market Rates

Product	Rate	APY
Money Market Savings	0.90%	0.90%
Min Balance $250,000 Details APY=Annual Percentage Yield. To receive the disclosed APY, you must maintain a minimum average daily balance of $2,500 in your account. Minimum to earn dividends is $2,500. Rates subject to change without notice and may change after account is opened. Fees may reduce earnings. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Money Market Savings	0.50%	0.50%
Min Balance $100,000 Details APY=Annual Percentage Yield. To receive the disclosed APY, you must maintain a minimum average daily balance of $2,500 in your account. Minimum to earn dividends is $2,500. Rates subject to change without notice and may change after account is opened. Fees may reduce earnings. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Money Market Savings	0.35%	0.35%
Min Balance $50,000 Details APY=Annual Percentage Yield. To receive the disclosed APY, you must maintain a minimum average daily balance of $2,500 in your account. Minimum to earn dividends is $2,500. Rates subject to change without notice and may change after account is opened. Fees may reduce earnings. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Money Market Savings	0.30%	0.30%
Min Balance $25,000 Details APY=Annual Percentage Yield. To receive the disclosed APY, you must maintain a minimum average daily balance of $2,500 in your account. Minimum to earn dividends is $2,500. Rates subject to change without notice and may change after account is opened. Fees may reduce earnings. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Money Market Savings	0.25%	0.25%
Min Balance $2,500 Details APY=Annual Percentage Yield. To receive the disclosed APY, you must maintain a minimum average daily balance of $2,500 in your account. Minimum to earn dividends is $2,500. Rates subject to change without notice and may change after account is opened. Fees may reduce earnings. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Money Market Savings	0.00%	0.00%
Min Balance $0 Details APY=Annual Percentage Yield. To receive the disclosed APY, you must maintain a minimum average daily balance of $2,500 in your account. Minimum to earn dividends is $2,500. Rates subject to change without notice and may change after account is opened. Fees may reduce earnings. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%

HIGH POINT Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan	-	-	5.25%	5 yr
Details Max LTV: 90%, Credit Score: Available to All Credit Tiers Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Home Equity Loan	-	-	5.50%	7 yr
Details Max LTV: 90%, Credit Score: Available to All Credit Tiers Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Home Equity Loan	-	-	5.75%	10 yr
Details Max LTV: 90%, Credit Score: Available to All Credit Tiers Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Home Equity Loan	-	-	6.00%	15 yr
Details Max LTV: 90%, Credit Score: Available to All Credit Tiers Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Home Equity Line of Credit	-	-	6.75%	1-5 Years
Details All loans are subject to credit approval, home eligibility, minimum amount to finance $ 10,000.00 and maximum loan amount to finance $150,000.00, and maximum LTV is 80%. Draw period is 10 years, repayment period is 20 years. Property Insurance required. Closing costs are waived unless the loan is discharged within 3 years of the origination date in which case you will be required to pay closing costs, which will range from approximately $200 - $2,500. Rates subject to change without notice. All loans are subject to homeownership (primary residence). Loans are subject to credit approval and appraisals. The credit union takes security interest in the home. Other terms and conditions available. Consult a tax advisor regarding the deductibility of interest. Maximum APR of 18.000% . NMLS #585840. Equal Housing Lender Prime rate, as published in the Wall Street Journal, currently 6.750%. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%

HIGH POINT Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan	-	-	4.24%	Up to 48 Months
Details Rates are based on credit score, term and model year. Collateral 10 model years and older will have higher rates. Rates subject to change without notice. A $20,000 loan for 48 months @ 4.24% APR = $453.79 per month. Rates include a .25% discount for auto transfer of the monthly payment and .25% discount for LTV (loan to value) under 80% Maximum terms are dependent on model year and/or credit score. LTV restrictions may apply. Contact a member of the Lending Team for specific rates and terms. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Auto Loan	-	-	4.44%	Up to 48 Months
Details Rates are based on credit score, term and model year. Collateral 10 model years and older will have higher rates. Rates subject to change without notice. A $20,000 loan for 48 months @ 4.24% APR = $453.79 per month. Rates include a .25% discount for auto transfer of the monthly payment and .25% discount for LTV (loan to value) under 80% Maximum terms are dependent on model year and/or credit score. LTV restrictions may apply. Contact a member of the Lending Team for specific rates and terms. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Auto Loan	-	-	4.64%	49-60 Months
Details Rates are based on credit score, term and model year. Collateral 10 model years and older will have higher rates. Rates subject to change without notice. A $20,000 loan for 48 months @ 4.24% APR = $453.79 per month. Rates include a .25% discount for auto transfer of the monthly payment and .25% discount for LTV (loan to value) under 80% Maximum terms are dependent on model year and/or credit score. LTV restrictions may apply. Contact a member of the Lending Team for specific rates and terms. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Auto Loan	-	-	4.74%	61-75 Months
Details Rates are based on credit score, term and model year. Collateral 10 model years and older will have higher rates. Rates subject to change without notice. A $20,000 loan for 48 months @ 4.24% APR = $453.79 per month. Rates include a .25% discount for auto transfer of the monthly payment and .25% discount for LTV (loan to value) under 80% Maximum terms are dependent on model year and/or credit score. LTV restrictions may apply. Contact a member of the Lending Team for specific rates and terms. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Auto Loan	-	-	4.84%	Up to 48 Months
Details Rates are based on credit score, term and model year. Collateral 10 model years and older will have higher rates. Rates subject to change without notice. A $20,000 loan for 48 months @ 4.24% APR = $453.79 per month. Rates include a .25% discount for auto transfer of the monthly payment and .25% discount for LTV (loan to value) under 80% Maximum terms are dependent on model year and/or credit score. LTV restrictions may apply. Contact a member of the Lending Team for specific rates and terms. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Auto Loan	-	-	4.94%	61-75 Months
Details Rates are based on credit score, term and model year. Collateral 10 model years and older will have higher rates. Rates subject to change without notice. A $20,000 loan for 48 months @ 4.24% APR = $453.79 per month. Rates include a .25% discount for auto transfer of the monthly payment and .25% discount for LTV (loan to value) under 80% Maximum terms are dependent on model year and/or credit score. LTV restrictions may apply. Contact a member of the Lending Team for specific rates and terms. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Auto Loan	-	-	5.24%	49-60 Months
Details Rates are based on credit score, term and model year. Collateral 10 model years and older will have higher rates. Rates subject to change without notice. A $20,000 loan for 48 months @ 4.24% APR = $453.79 per month. Rates include a .25% discount for auto transfer of the monthly payment and .25% discount for LTV (loan to value) under 80% Maximum terms are dependent on model year and/or credit score. LTV restrictions may apply. Contact a member of the Lending Team for specific rates and terms. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Auto Loan	-	-	5.44%	61-75 Months
Details Rates are based on credit score, term and model year. Collateral 10 model years and older will have higher rates. Rates subject to change without notice. A $20,000 loan for 48 months @ 4.24% APR = $453.79 per month. Rates include a .25% discount for auto transfer of the monthly payment and .25% discount for LTV (loan to value) under 80% Maximum terms are dependent on model year and/or credit score. LTV restrictions may apply. Contact a member of the Lending Team for specific rates and terms. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Auto Loan	-	-	5.74%	76-84 Months
Details Rates are based on credit score, term and model year. Collateral 10 model years and older will have higher rates. Rates subject to change without notice. A $20,000 loan for 48 months @ 4.24% APR = $453.79 per month. Rates include a .25% discount for auto transfer of the monthly payment and .25% discount for LTV (loan to value) under 80% Maximum terms are dependent on model year and/or credit score. LTV restrictions may apply. Contact a member of the Lending Team for specific rates and terms. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Auto Loan	-	-	5.94%	76-84 Months
Details Rates are based on credit score, term and model year. Collateral 10 model years and older will have higher rates. Rates subject to change without notice. A $20,000 loan for 48 months @ 4.24% APR = $453.79 per month. Rates include a .25% discount for auto transfer of the monthly payment and .25% discount for LTV (loan to value) under 80% Maximum terms are dependent on model year and/or credit score. LTV restrictions may apply. Contact a member of the Lending Team for specific rates and terms. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%

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 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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.87%

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

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

14,134,060

Total Liabilities

362,215,245

Source: NCUA — Last Updated 09/30/2025

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Frequently Asked Questions About HIGH POINT

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.